Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: DC
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:
Wells Fargo co ntinues to allow fradulent transactions to occur with my credit card account. I have not authorized a purchase from my secured credit card account since   XXXX  . In fact, after requesting a new card  in  XX/XX/XXXX - XX/XX/XXXX , I  have not used this account at all except to add a {$20.00} credit online.     Although I have not used this credit card account, I now have  two ne w charges from  XXXX   XXXX    XXXX   XXXX   OK for { $130.00} on   XXXX   XXXX   and another charge from the same company for {$82.00}. It is important to note here that I HAVE NOT DONE BUSINESS WITH  XXXX  IN NEARLY  TWO YE AR AND I HAVE NEVER DONE BUSINESS WITH  XXXX  IN   XXXX   XXXX   SO THIS CHARGE IS UNAUTHORIZED, FRAUDULENT, AND BOTH  WELLS FA  RGO A ND  XXXX  ARE NOW PREJUDICING MY RIGHTS AND I INTEND TO SUE IF THIS IS NOT RESOLVED WITHIN 15 DAYS FROM THE DATE OF THIS COMPLAINT I actually noticed the {$82.00} charge not even a week after  Wells Fargo r esolved my last CFPB and transaction dispute complaints. This previous dispute with   XXXX   XXXX   took over 2 months to resolve, so you ca n imagine my  frustration that just days after my funds were returned to my account I received a new unauthorized charge from  XXXX  in   XXXX   XXXX   for {$82.00}. Instead of working quickly and diligently to resolve this new unauthorized charge, at leas t two different Wells Fargo agen ts harassed me to pay my bill to reduce my balance. I informed them that I did not feel comfortable paying the bill until these disputes were taking care of because my account was already overdrawn as a result of these unauthorized fraudulent charges.     Under duress, I finally decided to transfer {$20.00} to my credit card account from my checking account becaus e I was afraid Wells Fargo would  begin negatively reporting to my credit profile. I was afraid of this because this is what  one of the Wells Fargo agents told me. To comply with his harassing orders, I submitted th is {$20.00} payment from my checking to my credit card on   XXXX   XXXX   XXXX    . It was my hope that this would kee p Wells Fargo from  adding negative remarks to my credit profile. I was uncomfortable making this payment, again, because my account would still be overdrawn because of this new fraudulent transaction.      Wells Fargo re versed this {$82.00} charge and then added the UNAUTHORIZED AND FRAUDULENT charge back to my account as if I never filed the dispute. When I checked on the status of this dispute, I was told that  XXXX , the company, still has n't responded so the dispute is still pending . Wells Fargo has  completely ignored my testimony that I HAVE NOT DONE BUSINESS WITH  XXXX  IN NEARLY TWO YEAR AND I HAVE NEVER DONE BUSINESS WITH  XXXX  IN   XXXX   XXXX   SO THIS CHARGE IS UNAUTHORIZED, FRAUDULENT, AND BOTH  WELLS FARGO  AND  XXXX  ARE NOW PREJUDICING MY RIGHTS AND I INTEND TO SUE IF THIS IS NOT RESOLVED WITHIN 15 DAYS FROM THE DATE OF THIS COMPLAINT Even more recently, I have noticed that  Wells Fargo ha s allowed yet another UNAUTHORIZED AND FRAUDULENT charge to post to my account. This charge posted on   XXXX   XXXX   from  XXXX  in   XXXX   XXXX   for {$130.00}. I HAVE NOT DONE BUSINESS WITH  XXXX  IN NEARLY  TWO YE AR AND I HAVE NEVER DONE BUSINESS WITH  XXXX  IN   XXXX   XXXX   SO THIS CHARGE IS UNAUTHORIZED, FRAUDULENT, AND BOTH  WELLS FARGO AN D  XXXX  ARE NOW PREJUDICING MY RIGHTS AND I INTEND TO SUE IF THIS IS NOT RESOLVED WITHIN 15 DAYS FROM THE DATE OF THIS COMPLAINT.     After learning that  XXXX  and   XXXX   XXXX   companies have previously merged, I am now under the impression that  Wells Fargo  is allowing  XXXX  to fraudulent charge my account for portions of the amount I previously disputed from   XXXX   XXXX  .  Wells Fargo continues to prejudice my rights by being nonresponsive, combative, and unprofession al during these dispu tes. Wells Fargo has a lso continued to charge me interest, late fees, overdraft penalties etc while my account has been in dispute. For the record, I would like to reiterate that I have not even made purchases with this  Wells Fargo ac count since   XXXX   XXXX     because of the way this account has been mismanaged by  Wells Fargo agents. I intent to sue WELLS FARGO I F THIS IS NOT RESOLVED WITHIN 15 DAYS FROM THE DATE OF THIS COMPLAINT.

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 monetary relief