Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: NJ
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 am a XXXX year old, U.S. citizen living for now in XXXX, due to not able to afford living in the U.S. since my pension is only {$600.00} per month. I decided to give my XXXXyear old grand-son, a gift by allowing a purchase pertaining the videogame XXXX for {$9.00} US dollars in XXXX. This was used by using the platform and the credit card informtion was saved there witthout me being aware of it as I had never used my credit card to purchase something related to video games online. My grand-son started making purchases since XX/XX/XXXX, which bills were paid, but continued making purchasing throughout the month of XXXX which amounted to {$4400.00}. Although the purchases were made due to me allowing my grand-son to get that one purchase, what its extremely ackward is that Wells Fargo nor XXXX XXXX did not take any type of action to keep this from happening. I contacted XXXX XXXX and they said charges were valid and that we needed to contact Wells Fargo. We contcted Wells Fargo and they submitted the case for review twice and both times came back with the conclusiong that the charges were valid and that the credit card holder shoudl be liable for the charges, or the person who charged the card should do so, meaning my XXXX year old grad-son. Ridiculous. We have been sent back and forth from one company to the other, where both are abviously looking to find someone else to be responsible for the chages but them. There are many cases already reported on situations like this, and although my son did make the purchases, this was clearly something I was not aware of and did not intend for it to happen. I was a Wells Fargo client since XXXX, and never made those type of purchases nor was ever late on my Credit Card payments and they did not even take any sort of precautions with odd purchases being made by my, specially made from overseas. XXXX XXXX, another company trying to stay away from guilt, knowing there have been cases in which they have had to reimburse families for the same issue, claim charges made by my XXXX year old grand-son were valid, this an under age kid who, although made the purchase, the charges were made by an underage individual so charges could not be valid. Also, I had no idea that the credit card information would stay saved in the platform as it was the first time I used the credit card for this type of purchse nor would have been able to understand the terms and conditions fully as this content is very difficult to understand for a XX/XX/XXXX English speaker. It will be greatly appreciated if you could assist me in this matter as this affects my peace of mind and I am under a lot of stress due to this situation. Any correspondence regarding this case could be mailed to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX or email me back to XXXX or my sons email XXXX, who is helping me with this complaints as my English is not the best. 
Thanks a lot for your attention. 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