Consumer complaint received 2026-01-08 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: GA

Complaint narrative:
Wells Fargo Fraud Dispute I am filing a complaint regarding XXXX XXXX handling of unauthorized and fraudulent credit card transactions that occurred on XX/XX/XXXX. On that day, my XXXX account was hacked and used for fraudulent fuel purchases. Multiple high-value transactions were processed through the merchant XXXX, totaling over {$8000.00}, scattered across multiple credit card accounts, all on the same day, within the same evening hours. These transactions occurred in multiple different states, as shown on the transaction receipts I received by email from the merchant. 

I did not authorize these transactions nor did I receive the services for. Again, I never received services for any of these charges. The transaction pattern itself demonstrates fraud : the charges occurred in different geographic locations on the same date and within a narrow time window, and the total fuel quantities charged exceed the physical fuel capacity of my vehicles tanks, making it impossible for me to have completed these purchases. 

I contacted both the merchant ( XXXX  ) and Wells Fargo multiple times to report and dispute these transactions. Wells Fargo credited back most of these transactions but the ones that day denied to credit back, I disputed under the following dispute numbers : XXXX, XXXX, XXXX, and XXXX. 

Wells Fargo stated that these charges were upheld because the merchant ( XXXX ) claimed they were legitimate. This decision ignores clear evidence of fraud, including : Transactions occurring simultaneously in multiple states. 
Fuel amounts exceeding my trucks tank capacity. 
Prior acknowledgment that the XXXX account was compromised. 
Inconsistent handling of identical fraudulent transactions on the same account. 

Wells Fargo issued a partial refund, but denied the remaining disputed amount, stating that the merchant provided documentation allegedly proving the transactions were authorized. This conclusion is incorrect. The documentation itself shows transactions occurring in different states ( XXXX, XXXX XXXX XXXX, multiple locations in XXXX  and so forth as you can see in the screenshot emailed receipts ) on the same evening, which is physically and logistically impossible. 

I have provided and am providing documentation showing : Transaction locations in multiple states. Identical transaction dates ( XX/XX/XXXX ). Transaction volumes inconsistent with my vehicles fuel tank capacity Despite this, Wells Fargo has failed to properly investigate the disputes and has relied on merchant-provided documents without reconciling obvious inconsistencies or impossibilities. 

I am requesting that Wells Fargo : XXXX. Conduct a proper investigation consistent with its obligations XXXX. Reverse the remaining fraudulent charges XXXX. Correct any adverse account or credit reporting related to these disputes XXXX. Provide a written explanation of how interstate, same-time, physically impossible transactions were determined to be authorized I am acting in good faith and seeking a lawful and accurate resolution. 

Thank you

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 monetary relief