Consumer complaint received 2017-11-12
Company: WELLS FARGO & COMPANY
State: CO
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:
Long history of fraudulent charges from XXXX, XXXX XXXX and XXXX XXXX XXXX. 
charges are reversed when I visit the bank or tell them via phone. The bank called me called me about the charges on XXXX XXXX XXXX about fraudulent activity and I told them these are not my charges, they said they will take care to it. I asked how much charges for my total on XXXX, he said over {$1000.00}. They do n't seem to want to help me block these incoming charges and discussed with my friend in my presence with my permission last week they think it 's coming from someone in my household when it 's not. 

They issue new cards and explain the transfer of some charges to the new statement. I was told to call the number on the back of the card and I did because the newest charge was over {$1000.00}. 

We showed the mgr the police report XXXX XXXX that the bank knew in XXXX but the account holder did not learn until XXXX. This affects both husband and wife. He closed his account. This WF bank in the past and most recently denied refi due to other issues that are not the issue and used the lower credit score knowing the refi application would be denied. The credit inquiry showed it may be used as negative on the husbands credit report with XXXX XXXX. 

During this discussion at the bank, a manager stated to me ( friend ) the above information with all 3 of us present and 2 s eparate statements that the bank said they could close/block her/wife 's account which would be bad for the credit report. I ( friend ) have explained to her to close this account asap because the bank wo n't block fraudulent charges from the game companies. That 's when we called XXXX XXXX and they transferred us to WF fraud and the 24 hour detection who was extremely rude and horrific to us. 

Other charges appear fraudulent because this bank uses the same store number for the store 3 different cities but same location as in XXXX. 

XXXX, Colorado is the physical location but uses the XXXX, CO as it 's post office service. Receipts are printed with XXXX, CO, but the bank uses XXXX store number and XXXX and XXXX and XXXX for charges on the statement.XXXX XXXXXXXX to XXXX/XXXX/XXXX on page 2 of 3. 

I do n't know what/where the XXXX but I did not protest this charge for {$45.00} on XXXX XXXX XXXX. 2 charges are at the same location/Brighton and XXXX. I do n't go to XXXX on XXXX XXXX. The XXXX/XXXX/XXXX through XXXX/XXXX/XXXX are my charges but not sure about XXXX XXXX XXXX XXXX {$45.00} charge. 

I do n't know what the XXXX store is, difficult to determine if this is my charge or not. XXXX and XXXX XXXX are not my charges. 

We spoke to the assistant store manager at XXXX and someone mentioned something about zoning. Not my problem. This is unusual accounting and tax issues. We noticed this after we left the bank. But notified CO XXXX with the letter from store mgr. 

She/the account holder received 2 letters to her address, one with my first name ( friend ) with her address requesting her written permission to talk to me and WF bank from her and to me stating they now needed her written permission. We discussed this and even if she does give permission in writing I may not talk w this bank. They have treated her and her husband wrongly and they know it. Damaged her husband 's credit and now stating they think the fraud is in her household because the bank manager described his family member of fraud in his own household. 

In my opinion, they are not responsible, they are good, decent hardworking people.

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