Complaint regarding collection of fraudulent charges by Wells Fargo Bank ( WFB ). I am a XXXX citizen who is a victim of fraud. I was contacted by several merchants and charged for various services relating to educational materials. At the time, I did not know that these merchants were in any way related to each other as factoring companies. When I realized that I would never receive any services promised, I began vigorously contacting the merchants to get my money refunded. When that did n't work, I began contacting WFB to assist me in getting a refund of these fraudulent charges. WFB refused. I have taken them to court ; I have explained the situation to their attorneys, but still no resolve. Instead, I 'm met with a handful of Motions filed by their attorneys to the court. The case has now been pushed into federal court by WFB. WFB insists that the charges were authorized by me. However, the charges are unauthorized as the purchases were acquired with the intent to deceive me and I was misled to believe that I would actually receive the services I was promised. I received nothing. The whole refund process with WFB is exhausting ; I am not an attorney and I do not have the financial means to pay for an attorney. I am working with XXXX XXXX XXXX ( XXXX XXXX who have provided me with regulations and statutes stating that I am entitled to get my money back for fraudulent charges. The merchants involved, XXXX and XXXX Now XXXX, have all been indicted and shut down by the FTC. They had hundreds of factoring companies between them and have stolen hundreds of thousands of dollars from consumers like myself. The FTC, CFPB, XXXX, FBI, XXXX and local law enforcement agencies have conducted in-depth research into the fraud scheme and concluded that not XXXX customer ever received what they were promised. WFB did not thoroughly investigate my fraud claim. I orally and in writing disputed all my charges well within the statute of limitations. WFB is making excuses for everything, and if they do n't have an excuse, they simply file a new Motion with the court. The laws I have used to maintain against WFB are : FTC Act, Section 5 ( a ) ( 15 U.S.C. 45 ( a ) ) -Misrepresentations or deceptive omissions of material fact constitute deceptive acts or practices which constitute fraud. FCBA XXXX XXXX, XXXX XXXX of billing errors : investigation concluding with documents showing services were provided, non-compliance is forfeiture of rights to collect on debt. XXXX XXXX XXXX, XXXX XXXX of credit card customers : I have made a good faith effort to resolve issue with merchants, and amount of initial transaction exceeds {$50.00}, and the initial transaction occurred in my home. FDICXXXX Special Credit Card Provisions ; XXXX XXXX Operating Regulations, Reason Code XXXX : 1 ) The Chargeback is invalid for any of the following : General : " A Transaction that the Cardholder states is fraudulent ''. 2 ) Chargeback Time Limits : " If the merchandise or services were to be provided after the Transaction Processing Date, ... the date that the Cardholder was first made aware that the merchandise or services would not be provided, not to exceed 540 calendar days from the Transaction Processing Date ''. The schemes by these merchants were designed to be deceptive and are fraudulent. Fraudulent charges are prohibited by law and therefore illegal and should be refunded by WFB. I filed a complaint with the FTC and the local XXXX for the fraud. I should not be liable for the debt incurred with WFB and should be refunded the fraudulent transactions and all interest incurred. WFB did not provide proof to me that any goods or services were provided to me by the merchants. The Bank is clearly in violation, but because of my limited resources, it will be