Consumer complaint received 2022-09-22
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:
On XXXX/XXXX/2022, I filed a dispute over the phone with Wells Fargo Bank in the amount of {$440.00}. The XXXX & XXXX XXXX is defective from a 3rd party ( XXXX ), but I had to deal with the manufacturer XXXX XXXX XXXX XXXX ). XXXX told me I had to call XXXX & XXXX, not them. I purchased it with my XXXX debit card. I also filed a XXXX complaint against XXXX & XXXX about this, but because XXXX got the money, they're who XXXX went after. I told XXXX to contact XXXX and XXXX, not XXXX. XXXX doesn't deal with defective firearm warranty issues ; the manufacturer ( XXXX & XXXX ) does. XXXX only has a 24-hr policy about returns and told me to call XXXX & XXXX when I told them I had a problem using this weapon for the first time on XXXX/XXXX/2022. Today, Wells Fargo Bank called XXXX and they should've told my bank to contact XXXX & XXXX, not them. Everybody is sticking me with a defective weapon that could injure me ( perhaps fatally ) if that slide sticks open during discharge. 

Not only did XXXX & XXXX fail to acknowledge I sent them a defective weapon, they merely closed the stuck slide without telling me anything. Ran it through some imaginary tests and wanted me to send it back again to reproduce the problem when you can't force that slide to stick at-will. I told them it had never been discharged by me, everybody attending that class saw it, and XXXX & XXXX sent it back to me after closing the stuck slide ... w/o saying what they did. I asked for replacement, not a quick fix. I don't trust they had a test for why the slide was stuck, because of their refusal to say what was wrong in the first place. My last point of defense was Wells Fargo Bank, because XXXX XXXX XXXX doesn't have a registered agent in my State ( GA ), and I would have to travel to XXXX, MA for a small claims lawsuit. I'd have to sue for air-travel, hotel, and car rental as well as the {$440.00} + court costs. 

Wells Fargo Bank gave me some nonsense and denied my claim, because they didn't follow all the way through to the manufacturer of the firearm. I don't care who got the money, XXXX doesn't deal with purchases beyond me picking it up from the XXXX and Wells Fargo Bank has very lousy research methods. I told them over the phone that XXXX knew nothing about the XXXX complaint I filed against XXXX XXXX XXXX, and I did provide correspondence going back and forth between myself and XXXX & XXXX, not XXXX. XXXX was quick to deny my claim, just because they could. Even if I find another bank, this transaction happened with them, so I'm filing this complaint against XXXX who has a very bad habit of doing lousy research and poor resolutions that always benefits the business, not their customers. This is not the 1st time they've done this, including a claim against a local branch that didn't know what they were doing. 

I asked XXXX to refund the {$440.00} so I can replace this firearm since XXXX and XXXX XXXX XXXX are being completely uncooperative, lack integrity, and are dumping me with a firearm I'm afraid to use. Before I found out the firearm was defective, I purchased a couple of holsters and ammunition. These guns manufacturers get away with selling defective weapons because everybody in this country allows them to do so. I'm hoping CFPB doesn't send me into the jaws of XXXX, XXXX XXXX XXXX, and Wells Fargo Bank. PLEASE FORCE XXXX TO DO THE RIGHT THING and don't pass the buck. If you can get the others to do the same, I'm fine with that as well. I just want this to stop going in circles and my bank to do the right thing ; not the quickest thing. 

If you send this to XXXX or XXXX & XXXX, they will play the same games all over again, so please don't do that. " Policy '' isn't warranty or safety, and none of those companies want to make sure I'm safe. 

I don't want to attach my debit card number on this website. They should be able to get to case # XXXX without it.

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