Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: GA
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:
My credit card was used between the dates of XXXX in the amount of {$780.00}. Wells Fargo is saying I am responsible for these charges because I activated the account on XX/XX/XXXX. I did activate the 3rd credit card I received but it was after these charges were made. I made a purchase of {$44.00} on the card through XXXX. I did not make any of the other charges. 

XX/XX/XXXX XXXX XXXX XXXX - {$110.00} XX/XX/XXXX XXXX XXXX XXXX - {$93.00} XX/XX/XXXX XXXX XXXXXXXX - {$120.00} XX/XX/XXXX XXXX XXXX XXXX - {$50.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - {$8.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - {$9.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - {$110.00} XXXX  I was able to get a hold of someone at this store who confirmed the card was used for a watch battery and a {$100.00} VXXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX- {$120.00} and {$120.00} XX/XX/XXXX XXXX XXXX XXXX- {$9.00} I got a letter in the mail stating that the original card, that never showed up, was activated by me. That is impossible unless it was activated upon registering for it online. Either way, the 10 or so charges made in XXXX between XXXX, were not made by me. I swear it on everything I love. I did not make these charges. 

You won't find another XXXX XXXX, XXXX XXXX or XXXX charge anywhere on any of my accounts. I did NOT make these charges. Wells Fargo is sticking me with {$780.00} worth of fraudulent charges I DID NOT MAKE and reported when I became aware. 

Something has to be done about this. The fact that no one can verify who made the charges is a problem. It was not me. I have paid my {$44.00} for the XXXX purchase. That is the only time I have used the XXXX credit card. 

I registered for this card because I wanted to transfer money from one card to another due to the 0 % interest. I am now scared to use it because someone else has already used it. 

I spoke with XXXX Store XXXX on XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, and they confirmed the card was used XX/XX/XXXX for {$110.00} for a watch battery and a XXXX XXXX XXXX, RED FLAG! I DID NOT MAKE THIS CHARGE OR ANY OF THE OTHER CHARGES. 

All the charges were made downtown XXXX. I live in XXXX Ga, which is not far away, but I have a XXXX and a XXXX and a XXXX and a XXXX as well as a XXXX literally 2 miles from my doorstep here in XXXX. I did not make these charges. I would never need to go to any other the places this card was used at. 

Is there any other way to check and see who used the card since WF keeps coming back saying I made these charges? I did not make these charges. I am a middle-class citizen who can not afford to make a {$780.00} payment for charges I did not make let alone spend {$780.00} in 3 days. 

Please take my complaint seriously as this is really messing with my well-being. I should have never applied for this card. This is a real-life nightmare! 

I have since made the 1st payment on these fraudulent charges to maintain my credit score. 

I attached 2 pictures. One is of the 2 cards I received, and the second picture is of my call history from the day they said I activated my card. 

Thanks for hearing me out.

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