Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The claim number with wells fargo is # XXXX {$300.00} # XXXX {$300.00} # XXXX {$1200.00} On XX/XX/2019 I was in XXXX XXXX XXXX and needed to go to a medical clinic to be seen for an emergency. The front desk stated that they needed {$30.00} pre payment so that I could see the doctor and then they would bill me after for what ever was performed. I gave them my Wells Fargo XXXX card. They went in back and then came back out to the desk and stated that my card was denied and was no good. They asked if I had different card. I then handed them my debt card which is all I had left. 
They then came back out from the back room again and handed me my debit card back to me and stated that this one went through fine. I was already in a wheel chair and brought to the room. I was in the hospital/Clinic overnight. They performed 1 XXXX, did 2 XXXX XXXX, and had 3 separate bags of XXXX drip. The next day I left and they handed me an itemized bill for everything they did and I received. The total bill was around {$230.00} dollars and I was to pay that how ever I wanted at a later date. 2 days later I looked on my bank statement and I noticed that my original Wells Fargo visa that I handed them for the {$30.00} payment to be seen went through just fine and it was charged to my account. This is where I noticed they lied to me and told me it was denied and asked me for another card. That is when I handed them my debit card which they ran through as a visa so I did not use any pin numbers while in the back room away from me. My bank statement showed that they never charged me {$30.00} like they stated they needed for my debit I handed them. Instead they swiped my debit card three separate time 's. It should be noted that all three swipes and charges all had separate names of businesses on them and they were not even from the clinic that I was at and there was not even the {$30.00} charge which was supposed to be what they were charging me and the only thing that I gave them the card for an authorization for. The three swipes and charges were {$300.00} and {$300.00} twice and another for {$1200.00} for a total of {$180000.00}. These are clearly Fraud charges. They are all separate names of businesses, two are the exact same amounts, there is no bill or documentation that these places can provide to the Wells Fargo investigator to show why there were these charges. I never authorized them, and I clearly have a document itemized bill showing what the clinic did for me and I was to pay that at a later date. This is so obvious it is fraud. I was a XXXX  XXXXXXXX XXXX XXXX   for over 20 years and there is so many things proving and pointing to absolute fraud. Wells fargo tells me it is not fraud because I handed them my card. That was their explanation. I stated how is it different then handing my card to a XXXX  at a restaurant and then he goes in back and swipes my card 2-4 times with different names on the swipes. Then later I see it was fraud and he charged off more swipes at the restaurant when he went in back because I handed him the card. I said it is the same thing. Wells Fargo didn't care, they did not investigate properly and now I am getting horrible credit history and dragging my credit score down over this and out the money of $ XXXX The attorney general stated this seems very wrong when they looked into it and wells fargo is not assisting or helping out when dealing the attorney General so the attorney general stated to defiantly contact your agency to get something done over this total obvious fraud that wells fargo will not do anything about Thank you very much 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 non-monetary relief