Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Complaint Details : I am filing a formal complaint against Wells Fargo for failing to follow due process in handling a credit card dispute and for engaging in deceptive and unfair practices. 

On XX/XX/year>, I submitted a dispute regarding a {$5000.00} charge on my Wells Fargo credit card. The dispute was initially classified under services/products not received. According to Wells Fargo, they denied the claim and notified me via email on XX/XX/year>. However, I never received this email, nor was I contacted through any other channel to inform me of the denial. 

On XX/XX/year>, I called Wells Fargo for an update. I was informed by a representative named XXXX that the claim had been denied due to the wrong dispute classification. I explained that the correct classification should have been reason code XXXX or XXXX significantly not as described, or misrepresentation. XXXX acknowledged this and told me she would initiate an appeal and reclassify the dispute accordingly. 

However, I recently spoke with another Wells Fargo representative who confirmed that no such appeal or reclassification was ever initiated. This means XXXX misrepresented her actions to me. Additionally, she advised me during the XX/XX/XXXX call that I did not need to submit any further evidence, even though the merchant 's version of eventson which Wells Fargo allegedly reliedwas grossly fabricated. 

With regards to the actual dispute. The attorney/merchant in question did not render services as agreed. A full refund was agreed to on XX/XX/XXXX and allowable under the original contract. Attorney later reneged on refund conditions and lied about completing assigned tasks. This lie was confirmed through my attached communication with court employees. I filed a grievance with the XXXX XXXXXXXX and they agreed with these facts. The attorney then appealed and was denied his appeal. That documentation is also attached. Not only did Wells FargoXXXX not follow due process but somehow their final determination is in direct opposition of and takes precedent over both the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Wells Fargo has therefore : Failed to provide timely notice of the dispute outcome, as required under Regulation Z ( 12 CFR 1026.13 ). 

Denied me the right to appeal and correct a misclassified dispute. 

Conducted an unreasonable investigation by relying exclusively on the merchant 's claims and ignoring my opportunity to submit evidence. 

Engaged in deceptive practices through false assurances by their agent. 

This experience has caused significant frustration, time loss, and financial harm. Wells Fargos dispute resolution process appears to be both unreliable and procedurally flawed.

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