Consumer complaint received 2023-04-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo case number : XXXX To whom it may concern : On XX/XX/2023 in the early afternoon hours, I attempted to purchase an airline ticket through ASAP Tickets for {$1200.00}. The transaction hadn't been completed and wasn't Authorized, Approved by Wells Fargo ( which is documented in a High Priority message from you-Wells Fargo on XX/XX/XXXX, at XXXX XXXX  ) for Fraud Detection. I shortly after noticing that the transaction hadn't been processed, I called Wells Fargo to see why the transaction hadn't been completed, authorized. The female representative notified me that for my accounts safety they-Wells Fargo wanted to verify that I/account holder was making, requesting this transaction to Asap tickets. I then notified the Wells Fargo representative that I'm pleased that wells fargo hadn't approved the transaction because I had received some information that stated that Asap is not a very ethical and reputable entity. This representative stated that Wells Fargo hadn't and would not approve, authorize this referenced transaction for {$1200.00}. 

Now, I had recontacted a representative XXXX XXXX at ASAP Tickets to let him know that the transaction wasn't processed and based on some unfavorable news that I'd discovered about this company ASAP tickets that I'd have to postpone my purchase and I'd recontact them if I wanted to proceed. 

On XX/XX/2023, I became aware of this transaction of {$1200.00} by Asap tickets being Forced/Charged to my credit card account when I attempted to rent a vehicle from XXXX rent a car for {$980.00} and was declined. I subsequently called Wells Fargo to inquiry why this transaction with XXXX was denied to find out that my account was over its allowed credit limit based solely on this Asap ticket charge.

My account history and credit score also vouches for my credit and financial responsibility and awareness with using my credit card. And as noted in my credit card history, I rarely dispute my transactions and if and when I do it's a serious matter and most likely the seller of the products or service is somewhat questionable and not all the way adhering to best business practices. And isn't it part of Wells Fargo 's policy to dispute, Prevent on my behalf any questionable, clearly fraudulent activities on a cardholders account.? So after I clearly was informed by your representative and also by an online account message that this referenced transaction was suspect, had been Stopped, not authorized and needed my verification, so how is this transaction appearing on my account for payment?!? 

Now, I related this information to XXXX ( a representative ) and XXXX ( a XXXX ) with Wells Fargo at approximately XXXX pm on XX/XX/XXXX during a hour and a half explanation why this transaction shouldn't have been even accepted based on the above factual circumstances and confirmation that I'd presented. XXXX and XXXX 's position is/was that I tried to make this transactions XXXX or 5 times and then it finally went through. Well, first that is not correct. I XXXX have attempted to make this transaction XXXX or 3 times via the Asap website but however if that is the case why wasn't this transaction processed and approved the First time not XXXX times after?? Second, that premise couldn't be factual because why would I have called Wells Fargo and received a XXXX XXXX notice immediately as this payment wasn't Initially approved, completed ...? 

And for the record, I don't have any idea or understanding what or why I, my account was charged for the {$120.00} amount? 

Because I need immediate access and usage of my credit card, I am requesting that you XXXX XXXX XXXX me my earned, deserved Credit Limit XXXX XXXX and not hold me responsible for paying the {$1200.00}. Thank you for your time and consideration.

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 explanation