Consumer complaint received 2017-08-07
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/XXXX I used one of my credit cards an XXXX XXXX card issued by XXXX 's XXXX XXXX and administered by Wells Fargo Bank -- - to pay for a mission outreach trip scheduled for XX/XX/XXXX. I authorized a charge for {$700.00} as a deposit for the trip. However, on XX/XX/XXXX, I became ill and was unable to travel on the trip at the recommendation of my doctor. I immediately asked the mission outreach organization to refund my deposit. I asked them repeatedly over several months for a refund with no success. Beginning in XX/XX/XXXX, I asked XXXX 's to give me back my {$700.00} via its telephone dispute customer service representatives. I called them repeatedly beginning in XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX 's and the {$700.00} charge remained on my credit card statement. I continued to contact XXXX 's about the {$700.00} charge that appeared on my account. This was the only transaction on my card. To this day, the only thing I ever charged on this credit card was the {$700.00} for the mission trip. In XX/XX/XXXX, XXXX 's placed the {$700.00} charge in dispute and told me I did n't have to pay it. InXX/XX/XXXX, I contacted my bank - XXXX -- and told them about the problems I 'd been having with getting my refund from XXXX 's. XXXX XXXX investigated and helped me with my dispute by giving me a {$700.00} credit in my bank account. At this point, I was made whole and gave up trying to contact XXXX 's. In XX/XX/XXXX, XXXX 's removed the dispute status from the {$700.00} charge and said that I have to pay it. In XX/XX/XXXX, I filed a written request with XXXX 's to remove the {$700.00} deposit for the mission trip from my credit card. In the letter, I told XXXX 's that XXXX XXXX had refunded the {$700.00} I paid on XXXX 's credit card and returned this money to my bank account. I wanted XXXX 's to remove the {$700.00} charge from my account or get their money from the mission trip organization. Prior to sending this letter, I had been told by a XXXX 's telephone customer service representative that I was responsible for getting the money from the mission trip organization and sending it to XXXX 's. I refused to do this. I told them I would not do it via telephone and in my XX/XX/XXXX letter. I received no substantive response from XXXX 's to my letter. In XX/XX/XXXX, my credit card monitoring service began to show that XXXX 's had submitted negative information about my account to the credit reporting agencies. I received notices that XXXX 's claimed I failed to pay my account ; XXXX 's also noted that my account was in dispute. In XX/XX/XXXX I received a letter from XXXX 's stating my inquiry was being reviewed. However, beginning in XX/XX/XXXX, XXXX 's reported that my account was 30 days past due. This reports of late payments continued until XX/XX/XXXX. I received a XX/XX/XXXX letter from XXXX/Wells Fargo Bank giving me a notice of intent to accelerate and demand for immediate payment of my entire account balance, which they claimed was past due in the amount of {$300.00}. In XX/XX/XXXX my account with XXXX 's was closed by XXXX 's ; the alleged account balance was {$1000.00}. Subsequently, I was denied a store credit card by a small clothing store in XX/XX/XXXX. This was very disturbing to me. I have always been very diligent with my bills and paid what I owed. I believe XXXX 's treatment of this matter has unfairly harmed my credit history. I want all negative information about this account removed from all 3 credit reports and I want XXXX 's to update my credit file to show that this account was closed in good standing. And I want another XXXX 's card to be issued to me. I am a long-standing customer and I do n't deserve this treatment.

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