Consumer complaint received 2026-06-09 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:
I am submitting this complaint regarding Wells Fargo 's handling of fraudulent transactions on my credit card account and its repeated failure to properly investigate and resolve my disputes. I first contacted Wells Fargo after discovering multiple unauthorized charges on my credit card account. These charges included airline tickets purchased through XXXX XXXX XXXX for flights that I never booked, authorized, or used. In addition, there were numerous charges exceeding {$500.00} each at various clubs, restaurants, and other merchants where I have never been and from which I received no goods or services. When I initially attempted to report the fraudulent activity, I was connected with an offshore customer service representative. Due to significant communication difficulties and misunderstandings during that interaction, my dispute was not accurately documented. As a result, Wells Fargo failed to properly capture the nature and scope of the fraud I was reporting. Since that time, I have contacted Wells Fargo on multiple occasions in an effort to correct the record and file disputes regarding the unauthorized transactions. Despite my repeated requests, Wells Fargo has either refused to allow certain disputes to be filed, improperly processed my claims, or denied the disputes without conducting what I believe to be a reasonable and thorough investigation. I have consistently informed Wells Fargo that these transactions were unauthorized and that I did not make, approve, benefit from, or receive the goods or services associated with the charges. Nevertheless, Wells Fargo has continued to hold me responsible for these fraudulent transactions. As a direct result of Wells Fargo 's actions and failure to properly investigate my claims, I have suffered significant financial harm, including damage to my finances, the expenditure of substantial time attempting to resolve this matter, and the need to retain legal counsel. I am requesting that Wells Fargo immediately conduct a complete and good-faith investigation of all disputed transactions, provide copies of any documents or evidence relied upon in denying my claims, reverse all fraudulent charges for which I am not responsible, correct any adverse reporting related to these transactions, and reimburse any fees, interest, or other charges that resulted from the fraudulent activity. I have now retained legal counsel and am submitting this complaint as a final attempt to resolve this matter through administrative channels. If Wells Fargo continues to refuse to properly investigate and resolve these fraudulent transactions, I intend to pursue all available legal remedies. I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

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