Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: OH
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 previously submitted 3 disputes back on XX/XX/2018 Dispute Transactions ID 's are as follows. 
XXXX, XXXX and XXXX All disputes were opened at the same time, all for the same reason and all from the same company XXXX  who used several different names and URLs to run a fraudulent business. 

Dispute Transaction ID XXXX from XXXX XXXX for {$7500.00} was closed in my favor but Disputes XXXX from XXXX for {$7500.00} and Dispute Transaction ID XXXX from XXXX also for {$7500.00} were closed for partial credit on my account because of the merchants response. 

Upon further review of the letter sent to you by the merchant it is hard to believe it has been used against my dispute cases. I am asking that the merchant letter be dismissed from both dispute cases for the many reasons I am going to list below in addition the attachments I am sending you offering proof of my claims. 

Even just a quick visual analysis of the contents of the document supposedly delivered by the merchant reveals numerous elements. 

1. The document was not composed upon the merchants logo-bearing stationary.

2. The document possesses no date specifying when the document was composed.

3. The document possesses no address identifying from where the document was mailed. 

4. The document possesses no telephone number to be used as evidence that the document was faxed rather than mailed to the dispute center.

5. The document possesses no name indicating the identity of who composed the document.

6. The document possesses such poor and flawed wording as to be unintelligible overall and certainly paints a clear picture that the document was not composed and released by any genuine merchant. For, if the document had been composed and released by any genuine merchant, the writing would be professional, error-free, and easily readable. 

7. The documents verbiage contains the wrong date regarding when my association with the merchant began. If the document were legitimate, the accurate date of when my association with the merchant began would have been utilized. -See attachment for proof of incorrect date and even year. 

8. The existence of a document-building computer-systems database node number in place just above the leftward region of the documents first paragraph.

Being such a large company and dealing with a higher tiered dispute specialist, XXXX XXXX I am surprised that this bogus merchant letter has been used against my case and further more believe that the disputed amounts should be closed in my favor. 

Please see attached proof that the date of services is incorrect and also that the services purchased have not been received or delivered as guaranteed. I will reattach also the XXXX XXXX XXXX XXXX Page 1 that states in Section One, Event and Product Highlights that Lifetime Access to the program was in the Agreement. 

Thank you 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