Consumer complaint received 2026-06-14 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: VA

Complaint narrative:
- XX/XX/year> - transaction occurred from XXXX the amout of {$48.00} ( posted to my account on XX/XX/XXXX ) XXXX XXXX, XXXX - transaction occurred with XXXX ( XXXX ) - {$25.00} ( posted to my account on XX/XX/XXXX ) - XX/XX/year> - transaction occurred from XXXX XXXX Shop the amout of {$21.00} ( posted to my account on XX/XX/XXXX ) - two transactions - XX/XX/year> - transaction occurred from XXXX XXXX Shop the amout of {$54.00} ( posted to my account on XX/XX/XXXX ) I contacted Wells Fargo fraud department on XX/XX/XXXX at XXXX in which the representtaive submitted a claim and closed my debit card. I receuved an alert through the portal to inform me that my claim had denied. I was told on XX/XX/XXXX that my claim regarding fraudulent charges on my account was denied due to me having click yes on a previous email that was sent regarding possible fraudulent charges. As I had explained to the representative, I had just returned from XXXX and thought the charge was a delayed charge from them. At that point I noticed the other charges appearing on my account. The charges were from Mississippi and Georgia and I had never been to Mississippi. I called the number of the transaction and she indicated that she never has been to Virginia nor does she have an online presence. She stated that she only does popup shops in that area. When I called on Friday to inquire how you all do your research to determine if there was fraud on my account it was stated that it had to go with the guidelines of XXXX or it would not be appproved. Now this is disheartening because I have been with this banking institution for 29 years and for me to trust that my hard earned money would be safe in your account and that you all would assist the customers versus the merchant only to discover that you all do not care is distrubing. No one attempted to do research ... the " only research '' is does it meet the qualifications of XXXX. What if it had been {$1000.00} taken from me... would I have gotten the same response? What if I would have been an elderly personsho is living check to check ... would I have been given the same response. With the amount of hacking ocurrung you would think that you have more safeguards in place that would help to prevent this. I am extremely disappointed and will be removing my account and filing a compliant with whomever I need to as this is unacceptable. Being a business owner who accept credit cards I have had in the past charges reversed because a customer said they did not authorize the charges and in that case although they had authorized the charges and received the services... the bank automatucally took the word of the customer and reverse the charges. So how is this any different? I hope that you all will put more safeguards in place for the customers as things are going to continue to get worst with scammers and hackers as technology continues to evolve.

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