Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This letter is to reopen the claim # XXXX for fraudulent charges on the account listed ( ending in XXXX ) and Visa issued Wells Fargo card ending in XXXX. The charges in this claim show merchant XXXX XXXX by XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Maryland XXXX ; has posted through KEYED entry ( SEE ATTACHED documentation as my physical card was not present and unauthorized charges to my account debit card in the total accumulated amount of {$8900.00} starting on XX/XX/2021 with the first unauthorized posted transaction through XX/XX/XXXX. These charges were not authorized by me the account holder and I am requesting a claim of fraud to be opened on my behalf by Wells Fargo Bank NA in accordance with the card issuer Visa 's Zero Liability Policy ( requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction ( s ) within five business days of notification ). In addition, I would like to immediately close the card ending in XXXX to prevent any further charges to my account and request a new debit card to expedited mailed to the address on my account. Please handle this claim in accordance with the Consumer Finance Regulation E Rule 1002.11 ( c ) ( i ). 

I am certifying I am the owner of Account # XXXX Routing # XXXX I am disputing the following transaction ( s ) that were charged fraudulently ( or in error ) to my account without my authorization : Posted Date Amount Merchant Name ( s ) XX/XX/2021 {$1600.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$500.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$1300.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$1100.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$720.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$1100.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$1500.00} XXXX XXXX by XXXX XXXX, XXXX XX/XX/2021 {$1000.00} XXXX XXXX by XXXX XXXX XXXX XXXX Total Amount of unauthorized charges {$8900.00} Statement of Events : It is my belief on or around XX/XX/2021, while having dinner XXXX XXXX, ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX GA XXXX, or sometime afterward XXXX of my cell phones was taken from my Fiancs rented vehicle while in the possession of the valet companys personal. The phone in question had personal information included but not limited to a picture of the front and back of my Wells Fargo card ending in XXXX ( pictures taken as required by XXXX in order the card belonged to me ) My pin was stored under my phones notes although it does not appear to have been used for ATM withdrawals at this time. I did not immediately notice my second phone was missing upon retrieving the vehicle from valet ; nor can I for certain state this is when my card information was compromised, because within days I fell extremely XX/XX/XXXXfrom aXX/XX/XXXX XXXX consequently causing my XX/XX/XXXXat XXXX XXXX XXXX XXXX. Approximately on XX/XX/2021, my finance whom I had given permission to use for stated purposes ; she stated that the card declined for food delivery from XXXX. On XX/XX/2021, I was able to log into my Wells Fargo Bank account using a laptop seeing the unauthorized transactions from the merchant listed. I am filing this dispute for the fraudulent unauthorized charges against my Wells Fargo Bank account the card issuer Visa Debit card services according to the terms of the visa debit card agreement listed above.

I am requesting that this claim is reinvestigated, and provisional credit applied as mandated by CFPB 1005 Regulation E 11 ( c ) ( i ) In addition, I am attaching documentation to support this the validity of this claim to favorably result in my account returning whole as required by law ; 1 ) Merchant portfolios showing inconsistent information a. incorrect name b. room number c. parking charges for valet ( I do not own a vehicle ) d. Guest number on disputed portfolio lists as 1 when the original and true portfolio shows as 2 ) e. Please see the last four of the card number changes as well to a number that does not belong to me nor my account, f. Hospital discharge paperwork showing that during these charges ( which were ALL keyed in by the Merchant ) I was in fact in the care of XXXX XXXX XXXX XXXX as a patient for neurological and cardiovascular health issues g. Screenshots from my Wells Fargo account showing each disputed transaction was Keyed in by Merchant not Swiped*******

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