Consumer complaint received 2022-11-16
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I performed a fully authorized charge to my client 's credit card ; it stood for almost XXXX months, until he disputed it, and now, his card company claims it is not their fault for returning the charge to him, when clearly, it is. Here is my explanation : I ran the authorized, {$1200.00} charge through my card processor, XXXX. XXXX months later, they said Wells Fargo had approved a chargeback for that amount to my client, XXXX XXXX. They also said they received all supporting items related to this more than a month ago. They sent all of that over to Wells Fargo. 

This was authorized by my XXXX, XXXX XXXX, both verbally and per his lease, for payment toward past-due rent of his office/personal home, per the lease he signed in XXXX of XXXX. ( He also gave me verbal authorization to make such charges, including a charge of {$720.00} in XXXX of this year, XXXX, and there was NO PROBLEM with this charge. ) This is the exact letter I sent to XXXX : This {$500.00} charge, and the other {$700.00} charge ( totalling {$1200.00} ), were authorized under the lease signed by XXXX XXXX, who is now behind approximately {$4000.00} in rent. He had previously authorized a payment of {$750.00}, XXXX months ago toward his rent, as you will see by my transaction records. This total of XXXX plus XXXX equals only XXXX of the XXXX months he owes : XXXX, XXXX and XXXX, XXXX. He also owes {$400.00} in late fees for XXXX, XXXX, XXXX and XXXX, plus {$300.00} more for his full XXXX payment, plus {$210.00} for his electric bill, which I was forced to pay for him while he was hospitalized. He has broken his lease on numerous counts, including non-payment of rent ( above ) not maintaining my property, not reporting XXXX serious water main breaks, not informing me of mail at my property, ignoring numerous calls, texts, and emails, not cleaning the property, and being an on-going nuisance to my neighbors and park management, forcing me to call police to the residence XXXX, including just last week. Inform XXXX XXXX that if these charges are blocked, I will file suit against him on Tuesday, XX/XX/XXXX, in XXXX XXXX, for full payment of his {$7200.00}, PLUS all late fees, attorney fees, and court costs related to full collection of those fees. NOTE : I can attach and send his full lease upon request, but do not see a place to do that on this page. PLEASE ALLOW BOTH OF THESE CHARGES, PER THE LEASE HE SIGNED. Thank you, XXXX XXXX Owner, XXXX XXXX XXXX {$140.00} XXXXXXXX XXXX XXXXXXXX Cell : XXXX. 

NOW : I called both XXXX and Wells Fargo again, today, XX/XX/XXXX, and AGAIN : THEY BOTH BLAME THE OTHER FOR THE CHARGE BACK, AND NEITHER COMPANY WILL TAKE RESPONSIBILITY FOR THIS OBVIOUS FRAUD ON THE PART OF XXXX XXXX! 

YOU MUST CONTACT WELLS FARGO, AND FORCE THEM TO RELEASE THE {$1200.00} BACK TO MY XXXX ACCOUNT. 

CALL THEM DIRECTLY AT : XXXX. 
Here name is XXXX and she lied to me again, today, XX/XX/XXXX, that it was XXXX 's responsibility, when XXXX confirmst they have sent ALL the related documentation, including the above letter, and the lease, ATTACHED!! WITH XXXX 'S CONTACT INFO! 
YOU SHOULD ALSO CALL XXXX XXXX AT : XXXX HE IS A SCAM XXXX! 
PLEASE CALL WELLS FARGO ASAP!! 
THANK YOU! 
XXXX XXXX

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