Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For context, I own a older XXXX XXXX that I was searching the internet for a rear replacement door that had been damaged. I called local wreaking yards in XXXX XXXX  and found a few, but but all had issues as well. So, I decided to make a nationwide search and a wreaking salvage yard came up in XXXX. Everything seemed to be in order with the website so I called the phone number. Unbeknownst to me the website was a fake, created by a XXXX crime ring. I proceeded to give the individual the information of the truck, rear door, year color. He proceeded to text me a photo of the correct truck and color in the salvage yard. He stated the door was {$300.00} plus shipping. This amount was the same price I was quoted by yards in XXXX XXXX. I agreed and stated I wanted to make the purchase. I proceeded to give him my credit card number and begin the transaction. As he began to make the transaction he repeatedly stated saying he was having difficulty with getting the transaction to go threw. This ended up proceeding to take quite some time and I began to question the situation. I decided I wanted to decline with the purchase and did so. I proceeded to immediately contact Wells Fargo and close the card but unfortunately the card was charged with XXXX unauthorized all taking place in XXXX XXXX for {$15000.00}. 
All fraudulent charges were done on the same date XX/XX/25, same time window and all charges to online retail company 's in XXXX. If you look at the XXXX years of my business credit card history I have never used it out of the country, only local business. I have been going back and forth with Wells Fargo for almost XXXX months now trying to resolve this matter. I feel that I am being stone walled by the bank. The bank has XXXX departments for handling credit card disputes. the Fraud team and the unauthorized charges team. I Have been transferred back and forth between the XXXX for months because they say I don't qualify for the fraud department because the card had to be used in a manner that I wasn't aware of. The unauthorized department states that have to return the merchandise to credit the account. Obviously the merchandise went to the criminals in XXXX. The bank has recovered {$2000.00} and credited back the card with a remainder of {$13000.00} due. I keep stating to the bank, If you are able to recover {$2000.00} then why not the rest considering its the same individual on the same date in the same time window. Wells Fargo has stated to me that there is a criteria that the credit card company demands in order to resolve this matter. My response is were are the consumer protections that are associated with credit cards and the fact the credit card company 's are insured for this situation. Wells Fargo is still currently involved with trying to resolve this matter with the unauthorized charges department but my gut feeling is they are going to fail and do what is correct. I believe I will be getting a letter shortly indicating that they have concluded there research and the remaining charges of {$13000.00} are declined. It is so black and white the fact that I was involved in a fraudulent online crime and its so disappointing that Wells Fargo seems uninterested in being fare and legal. I have personally done all the correct things on my behalf. I filed a local Police report. I filled a IC3 complaint with the FBI internet complaint center. I sent a certified letter to the bank explaining in detail the history of the incident.

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