Consumer complaint received 2020-01-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I took my vehicle to XXXX XXXX XXXX to get a written estimate on overheating issues on my XXXX XXXX XXXX XXXX XXXX XXXX van. I explained the issues to the owner and he agreed to inspect and give me a written estimate on how much it would cost to repair. I told him I have a limit of {$800.00} to pay for the repairs and wanted a written estimate 'before any work was to be completed. Instead, the owner went ahead and done the work " without prior authorization according to Florida Statute when a written estimate is asked by consumer ( me ). I received a phone call from the owner stating the repairs was done and the bill was fraudulently written to cover the {$800.00} limit. By me stating I had a {$800.00} limit " doesn't give authorization for the work that wasn't authorized by my signature or no document was signed by me giving my authorization of any repair that amounted to exactly {$800.00}. I wasn't given any written estimate or document from the owner that gave him permission to do work that amounted to the {$800.00} the owner stated I owed when I went to the shop to get my van. Instead, I had to pay the full amount {$800.00} ( {$500.00} on bank card wells Fargo ) and {$300.00} in cash which I had to withdraw from my checking account. Otherwise the owner would impound my vehicle until the {$800.00} was paid in full. I only had a {$500.00} daily limit on charges with my bank card and had to swipe the debit card from my checking account. Then pay {$300.00} cash in order to get my van released. There was no documentation presented to Wells Fargo Bank from XXXX XXXX XXXX  owner " XXXX '' to prove I authorized the repairs made on XX/XX/XXXX, nor was a written estimate was provided by the owner " as requested by me which all consumers have a right under Florida Statute " to receive a written estimate prior to any work being performed by any licensed automotive repair facility. This repair shop violated this right that is guaranteed by Fla. Stat. When I file my dispute, " I could only dispute the {$500.00} charged to my debit card, " because the {$300.00} was paid in cash. Wells Fargo gave me a provisional credit to my checking account in XX/XX/XXXX in amount of {$500.00}. However, Wells Fargo " had no documentation to prove the {$500.00} was authorized by me with my legal signature or made any attempt to get the copy of the written estimate that was requested by me prior to any work to be performed. Instead, Wells Fargo reversed my {$500.00} provisional credit which left my checking account to be overdrawn and subject to being closed. This consumer kept arguing that there is no documentation to prove I authorized the {$800.00} repair bill no signature by me or written estimate. Then the argument I had to pay the unauthorized charges in order to get my van out of impound " so i can return to work. The van was used for business and was necessary to keep working. I submitted complaints with Wells Fargo and the XXXX XXXX XXXX based on fraud charges and not following state statute which Wells Fargo refused to submit a proper complaint with Visa so they can do a proper investigation of my claims. Instead, Wells Fargo closed my checking account because I refused to repay the {$490.00} overdraft fee until Wells Fargo takes my complaint seriously. Wells Fargo Failed to cooperate and submit proper documentation that the {$800.00} was authorized even though the evidence proved otherwise. Wells Fargo failed to protect me against fraud by not properly investigating my complaint against XXXX XXXX XXXX owner.

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