Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: IL
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, XXXX fraudulent charges were made to my Wells Fargo credit card ending in XXXX. I The charges were XXXXXXXX XXXX IL in the amount of {$280.00} and XXXX XXXX XXXXXXXX, IL in the amount of {$420.00}. 

Wells Fargo denied my fraudulent dispute claiming it was 'valid '. I contacted them via telephone on numerous occasions. I was told one 'I file too many fraud claims ' and was hung up on several times by Wells Fargo .

I requested evidence from Wells Fargo supporting the denial of my fraud claim and all I received was copies of the credit card charges. 

On around XX/XX/XXXX I received a letter from Wells Fargo stating they were still working on my claim and needed until XX/XX/XXXX to resolve my claim. On or around the date my credit card reflected a balance equal to the disputed charges and it also reflected a minimum payment due of {$25.00}. 

I contacted Wells Fargo on XX/XX/XXXX asking them why a minimum payment is due on a balance that is equal to the XXXX fraudulent charges. They were unable to answer the questions. I requested that Wells Fargo figure out why the payment was due and requested a response in writing. 

I don't think I should be required to make a payment on the credit card when the disputed amount is exactly equal to the fraudulent charges still under investigation but explained to them I do not want my credit report dinged for late payment. 

I also requested Wells Fargo to provide me with substantive evidence that the charges were valid, meaning surveillance tapes from the XXXX stores showing who actually made the charges. Once they provide me with that, I can send them a photo copy of my Drivers License and they can compare the XXXX. 

I believe th following : XXXX XXXX statement that the fraud investigation concluded the charges valid leads me to conclude : Wells Fargo believes that I made the fraudulent charges which I did not. 
Wells Fargo believes I also gave or authorized anyone known to me to use my Wells Fargo credit card, which I did not Wells Fargo believes I know the identity of the person ( s ) who made the fraudulent charges which I do not Wells Fargo believes the Police Report I filed was done so fraudulently, which it was not. It is against the law to file a false police report I once had an authorized user on my account- XXXX XXXX Wells Fargo told me on a phone call on XX/XX/XXXX, that this authorized user has been removed from my account. I did not remove XXXX XXXX from my Wells Fargo account, nor do I know who did XXXX XXXX and I have been estranged since XX/XX/XXXX. 
I do not know XXXX XXXX whereabouts and she was never given a physical credit card issued in her name by Wells Fargo nor was she ever given any Wells Fargo Credit Card numbers, expiration dates, CVVs related to all credit cards sent to me and received by me from Wells Fargo. 
I am unable drive due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While this is medical information protected under XXXX, Wells Fargo may send me a written request to release this information to them I have never shopped at XXXX or XXXX XXXX  I dont know of XXXX XXXX its location, or the types of products it carries although I asked a friend to XXXX XXXX and found it carries sporting goods and sporing clothing, neither of which I would ever purchase. 
XXXX XXXXXXXX is too expensive. I am XXXX and do not shop at XXXX XXXX ; I shop for food and housing items at XXXX A friend of mine reviewed all Wells Fargo statements with me and last known charges made by me on the Wells Fargo Credit Card ending in XXXX were : o XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, on-line purchase o XX/XX/XXXX XXXX XXXX XXXX My husband drove me to the post office and helped me fill out all necessary paperwork to send documents via certified mail On XX/XX/XXXX, with the assistance of my husband, I filed a complaint with OCC against Wells Fargo for stating they found the fraudulent charges valid based on all the above. 
My husband typed this letter and went to the XXXX store to fax it to Wells Fargo as I am unable to see well and can not drive.

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