Consumer complaint received 2020-10-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom it may concern i seriously need your help, my bank wells fargo is forcing me to pay to a merchant that doesnt even have a creditor, yet this place where is bought the phone off of XXXX the seller is like mer child that doesn't understand what you say, see on XX/XX/XXXX bought a phone off XXXX for {$160.00} off this seller called ( never-msrp ) then i cancelled it and got my money but still got the phone and XXXX  still got the payment but the seller send a letter to my bank Wells Fargo saying he didn't get the payment and if forcing me to a place a company that doesn't exsit and that is permently closed, and if you think about if i was to pay back to this merchant where would the credit go to when there is no company, the street address is fake and scams all over the internet about this never-msrp, look it doesn't matter wether i got the item or not the bank say this merchant wants back money and will force it out of my bank by XXXX, does that sound right to you to give money back to a place that is permantly shut down has no real location and there is no creditor to this place it's absurd, the bank wont believe me that when i tell them i payed for it by XXXX  they keep conforming it with me and that on XXXX  system, i tell you this is insane i been calling all over here and there searching all over the internet for every possible way to find information on this ( never-msrp ) and all it say is ( permantly shut down ) by the street address it came from yes i remember the street address it came from after i opened it, but tell me are you really gon na make me pay to a place that a scam has no creditor or corproate and a fraud?, and i have proof, but my bank is at a - {$150.00} negative and i you to tell the bank i refuse to pay to a place that doesn't have a creditor, it doesn't matter weither i got the item or got back my money from the bank what matters is this merchant is trying to get money off me that i already paid says XXXX, then the bank is sending me here or there trying to resolve this with useless information, please help me i need this resolve before XXXX before my next SSI check because the bank will take right out and give it to this fraud are you really gon na allow that?, and i am running out of time to resolve this, please i am begging you to help, tell the wells fargo claim department i am not playing back to a fraud place and XXXX is investing it, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX is a fake address it say it right here on XXXX exactly to the match of this never-msrp, i need your help please there isnt much time for my bank before i recive my next SSi check and i need that whole amount {$950.00} for XXXX, don't let this fraud steal my money or let the bank force me return money to fraud, this is injustice to let this seller get away with money and not even a company, and yet it legal on XXXX when i am trying to shut it down from selling, this can't be law or logical, you can not allow this go on sir or madam.

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