Consumer complaint received 2026-06-21 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: FL

Complaint narrative:
I am filing this complaint against Wells Fargo regarding two unauthorized online card transactions that occurred in XXXX on two separate Wells Fargo credit cards. The combined amount of these transactions was approximately {$13000.00}. I disputed these transactions with Wells Fargo because I did not authorize, approve, or benefit from these charges. These were online transactions, and I requested that Wells Fargo conduct a proper investigation and provide documentation showing how they determined that I was responsible for the charges. Despite my dispute, Wells Fargo denied my claim and refused to refund the charges. Wells Fargo has also failed to provide me with clear supporting documentation showing how these transactions were completed, including but not limited to : The IP address used to complete the transactions Device information or device ID Location data connected to the transactions Authentication records Login history One-time passcode or verification records, if any Merchant documentation Delivery or shipping confirmation, if applicable Any evidence showing that I personally authorized or benefited from these charges Wells Fargo is claiming that I was responsible for the transactions, but they have not provided sufficient proof to support that decision. Simply denying my dispute without providing detailed evidence is not a fair or complete investigation. These transactions occurred on two different credit cards, which makes the situation even more concerning. I believe Wells Fargo has failed to properly investigate the fraud and has placed the financial burden on me without proving that I authorized these transactions. I am requesting that the CFPB require Wells Fargo to : Reopen and properly investigate my dispute. Provide all documentation and evidence used to deny my claim. Provide records showing how the transactions were authenticated and completed. Explain why Wells Fargo believes I authorized the charges. Refund the disputed amount of approximately {$13000.00}, including any interest, fees, or negative credit reporting caused by these transactions. Correct any negative reporting to the credit bureaus related to these disputed charges. I acted in good faith by reporting the unauthorized charges and requesting proof. Wells Fargo has not provided sufficient documentation to justify holding me responsible. I am asking the CFPB to review Wells Fargos handling of this dispute and require them to provide a complete explanation and resolution. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Wells Fargo Credit Card Ending In : XXXX total XXXX Second Wells Fargo Credit Card Ending In : XXXX total XXXX Transaction Dates : XX/XX/XXXX XX/XX/XXXX Merchant Names : XXXX XXXX Total Disputed Amount : Approximately {$13000.00}

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