Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Complaint Narrative Billing Error & Unauthorized Charge Focus This complaint concerns Wells Fargo Bank, N.A.s mishandling of repeated unauthorized subscription charges and a subsequent improper re-debit on a closed credit card account, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ), Regulation Z ( 12 C.F.R. 1026.13 ), and protections governing recurring electronic fund transfers.

On or around XX/XX/year>, I reported recurring unauthorized charges from a subscription service identified as XXXX XXXX XXXXXXXX, appearing on my XXXX XXXX XXXX XXXX ( ending in XXXX ). I had previously canceled the service, yet charges continued to appear without authorization. 

Wells Fargo provisionally credited the transactions and issued a new card, pending further investigation. I was advised the matter would be resolved, and that my dispute was being reviewed in accordance with federal billing error procedures. 

However, shortly after the dispute was filed, Wells Fargo permanently closed my credit card accounta separate issue currently under investigation in another CFPB complaint. 

On XX/XX/XXXX, XXXXnearly three months laterWells Fargo refiled the disputed charge, debiting me {$19.00} again for the same unauthorized subscription, despite the fact that the account remains closed. This raises urgent concerns : Violations and Regulatory Concerns 1. Unauthorized Transaction Liability 15 U.S.C. 1666 & Reg. Z 1026.13 ( f ) The reappearance of a charge previously credited and disputed, without a written explanation, violates mandatory billing error resolution procedures. Wells Fargo never provided notice of reversal or concluded the investigation in writing. 
2. Post-Closure Re-Debit = Procedural Misconduct Refunding a merchant against a permanently closed account suggests either : Wells Fargo reopened the account unilaterally to process the charge, or It is improperly operating closed accounts for merchant recovery.

In either case, this creates a due process violation and billing system failure. 
3. Failure to Block Recurring Charges After Cancellation UDAAP Risk I had informed the bank that the subscription had been canceled. Their failure to act on this and protect me from further charges violates protections against unauthorized recurring debits under Regulation E analogs and network rules ( e.g., XXXX rules ). 
4. Bad Faith Rebilling After Prior Dispute The fact that this charge was refiled only after I asked Wells Fargo to reopen my accounts suggests the bank is not only mishandling billing errorsbut doubling down in response to prior complaints, a fact that escalates the severity of the conduct.

Notice of Record Preservation I respectfully request that all future communications from Wells Fargo related to this complaint be provided in written form only.

All responses, explanations, and supporting materials will be treated as part of a formal record and may be submitted as exhibits in any resulting arbitration under the applicable cardholder agreement, or to regulatory bodies if further enforcement action is necessary.

This matter will continue to be documented in full, with all rights expressly reserved. 



Requested Resolution 1. Immediate reversal of the {$19.00} charge refiled on XX/XX/year>. 
2. Written confirmation that no further charges from XXXXXXXX XXXX XXXX or similar will be processed against closed or open accounts. 
3. A written explanation as to why the charge was refiled nearly three months later without prior notice or written investigation outcome.

4. Confirmation that my billing dispute rights were not terminated due to the related account closure.

Clarification : Not Duplicate of Pending CFPB Complaint This issue is distinct from CFPB Case # XXXX, which relates to retaliatory account closures and blacklisting. This complaint pertains solely to unauthorized charges, failure to complete a billing error investigation, and improper post-closure rebilling, all of which constitute a new and independent violation under federal law.

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 non-monetary relief