Consumer complaint received 2021-07-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX XXXX, and I am submitting this CFPB complaint against XXXX XXXX, Senior Vice President, Wells Fargo Bank. My claim involves charges to my Wells Fargo XXXX XXXX the amount of {$2300.00} from XXXX XXXX XXXX in XXXX XXXX, Texas. 

On or about XX/XX/XXXX, I visited the local Wells Fargo Bank to initiate my claim against XXXX XXXX XXXX. While creating the dispute, I advised the Wells Fargo employee I would be getting a comprehensive diagnosis of my vehicle on or about XX/XX/XXXX. The bank employee agreed that this would be very helpful about the claim I was filing. The Wells Fargo employee contacted the debit card dispute section of Wells Fargo and submitted the claim with the understanding I would return with the report from the independent mechanic on or before the XXXX of XXXX, XXXX. The Wells Fargo employee was equally outraged at the excessive charges from XXXX XXXX XXXX, along with the online reviews from other customers that XXXX XXXX XXXX fleeced. A copy of some of the online reviews is attached and incorporated in this complaint. 

I returned to the Wells Fargo Bank on XXXX, XXXX, XXXX with the diagnosis/review from an independent, five-star certified mechanic in XXXX, Texas, as agreed and met with the same person that initially took my claim. The Wells Fargo employee called XXXX XXXX in the claims section, and Ms. XXXX informed her my claim was DENiED based upon the fact XXXX XXXX XXXX offered to repair my car, and I refused. This is a blatant lie. The Wells Fargo employee immediately intervened and discovered that Ms. XXXX based her decision on the fact that XXXX XXXX XXXX is an extensive Wells Fargo account holder. Ms. XXXX claimed to have investigated the claim in less than three calendar days which is impossible according to the Wells Fargo bank employee. Based upon this, Ms. XXXX reversed her decision. ( See Attached Letters From Wells Fargo, XXXX XXXX ) The review/diagnosis from XXXX XXXX XXXX clearly indicates the charges from XXXX XXXX XXXX were/are fraudulent, and the entire repair should have been less than {$700.00}. In fact, XXXX XXXX XXXX attempted to charge me {$7600.00} to repair a XXXX XXXX XXXX XXXX AFTER THEY CHARGED ME {$4200.00} with {$2300.00} being charged to my Wells Fargo Debit Card. I am XXXX according to the American Disability Act and receive SSI Benefits based upon a mental health diagnosis. I can not afford this outrageous amount of money and expenditure. Simply put, the work was not performed by XXXX XXXX XXXX. ( See Attached Letter From XXXX XXXX XXXX ). 

I seek the assistance of the CFPB to investigate and take the appropriate steps ( if necessary ) to ensure compliance by Ms. XXXX and Wells Fargo regarding my claim and request for a final {$2300.00} credit against XXXX XXXX XXXX for their egregious and fraudulent misconduct in fabricating repairs to my vehicle and taking advantage of my kind nature and XXXX XXXX  XXXX. In support of my claim, I attach the following documents : Review from XXXX XXXX XXXX, Contradicting letters from XXXX XXXX, XXXX, Online reviews of XXXX XXXX XXXX, XXXX XXXX, Texas. Would you please investigate this complaint and oversee the conduct and fairness of XXXX XXXX, Senior Vice President of Wells Fargo Bank and my request for a final credit in the amount of {$2300.00} to my Wells Fargo Debit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief