Consumer complaint received 2026-04-10 00:00:00
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
State: CA

Complaint narrative:
This dispute involves unauthorized charges totaling {$21000.00} by XXXX XXXX, significantly exceeding the agreed and authorized amount of {$5100.00}. The merchant explicitly confirmed that the account was paid in full as of XX/XX/XXXX ( see Exhibit B ), yet continued to process additional charges thereafter without authorization ( see Exhibit C bank statements ). Further, the merchant admitted that these charges were not valid transactions, describing them as authorization holds, and confirmed that a refund would be issued. To date, no refund has been provided despite repeated follow-ups ( see Exhibit A ). Key Findings The original and only authorized agreement totaled {$5100.00} The merchant confirmed the account was paid in full on XX/XX/XXXX Charges continued after the paid in full confirmation without authorization The merchant acknowledged the charges were not valid transactions, characterizing them as authorization holds The merchant committed to issuing a refund, which has not been fulfilled Total unauthorized charges escalated to {$21000.00} Timeline Summary XX/XX/XXXX : Initial engagement ; deposit made under a flexible date arrangement XXXX XXXX : No finalized travel dates ; discrepancies and concerns raised with the vendor XX/XX/XXXX : Merchant confirms account is paid in full XX/XX/XXXX : Unauthorized charges totaling {$21000.00} withdrawn from checking account ending in XXXX XX/XX/XXXX : Merchant acknowledges charges as invalid authorization holds and confirms refund will be issued XXXX XXXX : Multiple attempts to resolve with both the vendor and Wells Fargo ; no refund received and the dispute was misclassified and not properly investigated Exhibits Exhibit A : Merchant email acknowledging charges as authorization holds and confirming refund Exhibit B : Merchant confirmation of paid in full status ( XX/XX/XXXX ) Exhibit C : Bank statements documenting charges totaling {$21000.00} Exhibit D : Wells Fargo denial letter stating no discrepancy found Dispute Handling Concern I attempted to resolve this matter through my bank ; however, the dispute was misclassified or not properly classified, as confirmed by a representative, and was not fully investigated. As a result, the claim was denied without a complete evaluation of the submitted evidence. Legal Basis Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and applicable dispute resolution regulations, this matter constitutes a billing error, including : Charges for goods or services not delivered as agreed Unauthorized charges exceeding the agreed amount Charges processed after the account was confirmed paid in full Additionally : The charges represent a breach of the agreed payment terms, as the authorized total was {$5100.00} No formal contract was provided authorizing additional charges beyond this amount The merchants continued billing after confirming paid in full constitutes material misrepresentation The merchants acknowledgment that the charges were invalid and commitment to refund serves as an admission that the transactions are not legitimate Under applicable card network rules, valid charges require clear authorization and delivery of services as agreed, neither of which has been demonstrated. The burden of proof rests with the merchant to provide evidence of authorization for these charges, which has not been met. Conclusion & Request The evidence clearly establishes : Charges processed without authorization Billing continued after contractual fulfillment ( paid in full ) Merchant admission of invalid charges Failure to honor a confirmed refund commitment Based on these facts, immediate reversal of {$21000.00} is warranted.

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