Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: CA
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:
A credit card fraud dispute for a fraudulent {$2400.00} charge from a merchant who is a California State Bar Licensed Attorney, named XXXX XXXX XXXX, license # XXXX has been opened, denied, re-opened, re-denied and re-opened and re-closed by Wells Fargo for the past 2 years. The way such charge was placed on my credit card is still unknown as Wells Fargo still doesn't wish to disclose those facts to me, the credit card holder. After 2 years I still do not know how my credit card was charged : I don't know if it was manually swiped, used over the internet, entered in a specific paper form or charged over the phone. Wells Fargo would not disclose those information and still actively refuses to keep me in the loop. Again, the claim was opened, closed and reopened and denied and reopened infinite times in the past two years. Allegedly, the fraud claim was initially denied because the merchant was able to " verify '' sufficient information. After months and years of complaining, Wells Fargo finally decided to disclose what specifically were those information that were successfully " verified '' : to my deepest shock, the information were just my first and last name, the credit card number and allegedly also my phone number when I specifically stated that my entire backpack was stolen with my notes, agenda, wallet, smartphone with case with IDs and cards and therefore, obviously, all my information were compromised and completely exposed to easy fraudulent activity. My phone could be fraudulently used to make and receive phone calls on my behalf, my card could be fraudulently used, my signature could be copied very easily and so forth and so on. Years later, a large amount of new evidence was found and presented to Wells Fargo, yet it was either completely ignored or never received as Wells Fargo is still refusing to confirm the list of exhibits that they received and reviewed so far from me and from all the other parties involved in this case. Wells Fargo has finally denied again my claim, this time due to allegedly matching my signature " on file '' with the signature allegedly captured and used by the merchant to charge my credit card, while even the merchant admitted in writing that someone stole my identity, pretend to be me and fled the country, and even invited me to put him in contact to Wells Fargo, promising he would cooperate to make sure I get my money back, only to later on, deny such cooperation after accusing me of wanting to " enrich my self '' and wanting to collect twice the credit card charge refund since in the merchant 's knowledge and opinion Wells Fargo " obviously already refunded me '' which sadly couldn't be more far from the truth. Wells Fargo refused to understand that my signature could be easily copied and reproduced, something that even the merchant understood and claimed yet Wells Fargo still refuses to provide me with a copy of such signature they allegedly have on file for me and ultimately, they even refuse to confirm if they received all the new evidence regarding the case, including a third party affidavit, a written statement made under penalty of perjury declaring that the credit card charge, that was never for legal services intended for me, the credit card holder, but rather for legal services allegedly rendered to that specific third party, were actually never rendered as promised in the agreement, making the whole charge invalid, regardless of the legitimacy of the fraud claim and regardless of the validity of the signature on the retainer fee agreement that is also, a document that is completely fraudulent, illegal and invalid as no one other than the actual client is allowed to sign and agree to be legally represented by an attorney and of course a State Bar complaint against the attorney was also filed this month, however, it can take up to one year for the State Bar to complete the investigation. At this point, after two years I am only left with the option of filing an external complaint and of course, filing legal action against Wells Fargo, however, Wells Fargo is also not cooperating as far as the available legal remedies to their customers. I should be made aware of any arbitration clause allegedly signed by me and or any other restriction to sue in small claims as this amount does not allow and justify to file a lawsuit in the Superior Court and/or hire a lawyer like Wells Fargo suggested.

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