Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, while vacationing in XXXX, I utilized my Wells Fargo debit card to secure a flight from XXXX XXXX XXXX to XXXX XXXX XXXX , with the intention of indulging in snowboarding activities in XXXX. Regrettably, the flight was canceled by the airline due to adverse weather conditions, a fact confirmed through unequivocal email correspondence from the airline agency. 

Immediately following the cancellation, on XX/XX/year> ( XXXX time ), I diligently contacted Wells Fargo claims department, seeking assurance of a refund for the canceled flight. Despite explicit assurances from a claims specialist that no supporting documentation was requisite, I prudently provided email evidence for verification purposes. 

Subsequent to my proactive engagement, reiterated inquiries on XX/XX/year> ( XXXX time ) only served to reconfirm the unnecessary burden of providing supporting documentation, as per Wells Fargo 's representation. However, to my utter dismay, upon scrutinizing my account on XX/XX/year>, I was astounded to discover a provisional credit reversal of {$190.00}, coupled with two additional reversals of {$150.00} each on XX/XX/year>, effectuated without any prior notification or due process. 

Upon summoning the claims specialist on XX/XX/year>, the alarming revelation surfaced that these unwarranted reversals were purportedly linked to the initial reversal of {$490.00} on XX/XX/year> by Wells Fargo. Incontestably, I never embarked on the canceled flight, and my legitimate entitlement to reimbursement was irrevocably marred by language barriers impeding communication with the airline. It is evident that Wells Fargo 's reprehensible actions epitomize a calculated campaign of malicious business practices, infringing upon my rights and financial stability. 

Moreover, Wells Fargo 's egregious conduct constitutes clear violations of both state and federal statutes, including but not limited to : 1. **California Financial Code Section 17200** : Prohibiting unfair, unlawful, or fraudulent business acts or practices.

2. **Federal Reserve Regulation E ( 12 CFR Part 1005 ) ** : Mandating financial institutions to expeditiously investigate and redress errors reported by consumers concerning electronic fund transfers.

3. **California Business and Professions Code Section 17200 et seq. ** : Condemning unfair competition and unfair, deceptive, or misleading acts or practices. 
4. **California Civil Code Section 1750 et seq. ** : Outlining provisions related to consumer protection laws and remedies for unfair business practices.

5. **Consumer Financial Protection Act ( CFPA ) ( 12 U.S. Code Chapter 53 ) ** : Prohibiting unfair, deceptive, or abusive acts or practices by financial institutions.

6. **Truth in Savings Act ( 12 U.S. Code Chapter 12, Subchapter I ) ** : Ensuring clear and uniform disclosures regarding deposit accounts to consumers.

7. **Electronic Fund Transfer Act ( 15 U.S. Code Chapter 15 ) ** : Governing electronic fund transfers and providing consumer protection measures.