Consumer complaint received 2020-02-28
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Wells Fargo XXXX XXXX XXXX card, Which has a balance of {$27000.00}. The Credit Limit on the account is {$18000.00} and the Cash Advance Limit is {$10000.00} The reason for the balance being over the credit limit is due to fraudulent charges that Wells Fargo " Refuses '' to conduct an investigation on. Wells Fargo has not provided me any documentation proof, showing anything of where they have investigated this nor how they have come to this conclusion. The reason for the claim they state they can't investigate, they state that it's because these were disputed and the disputes validate the charge. Let me clarify, I disputed the charges trying to mark these as Fraudulent, However Wells Fargo website does not allow you to mark transactions, as Fraudulent. So in an effort to report these fraudulent charges I submitted a dispute and in the dispute I wrote DID NOT RECEIVE MERCHANDISE. Again, As It states. I didn't receive the merchandise because I didn't. These are fraudulent charges. I do not believe this investigation is being conducted in a fair manner. You are putting my credit line {$9800.00} Over the Credit limit because of these fraudulent charges which I am listing below. I believe this should be investigated, Because I did not authorize these merchants as stated in the original fraud claim. I also want documentation you reviewed during your research. I do not have an XXXX Account, Nor have I ever had one. I do not have a login for XXXX. I have not done business with XXXX XXXX nor XXXX. The email : XXXX was used in Identity Theft. Sold by thieves on XXXX. Which was confirmed in XXXX  Identity Theft Alerts. 

Additionally, Example of one of the charges that was never taken care of : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX=XXXX XXXX TX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX TX XXXX I do not have an XXXX account, Nor Do I have access to XXXX OR XXXX. Again, XXXX is not authorized, XXXX is not Authorized, XXXX is not authorized. I did not authorize any of these transactions yet Wells Fargo has not done anything or conducted any investigations to assist with this matter. 

Additionally on my College Card which had been stolen at the same time, The same thing occurred XXXX Charges that weren't authorized because again I do not have an uber account, and other charges as reported. These were and still are fraudulent transactions. This again was not investigated and Wells Fargo billed me these fraudulent charges. I do not believe I am liable for fraudulent transactions.

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