Consumer complaint received 2026-06-23 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: WA

Complaint narrative:
This filing is a continuation of the previous ones I have opened with Wells Fargo. If Wells Fargo goes back to the transcripts of one of the calls from XX/XX/year>, referenced by them in their closing response to my last dispute, they will find in the transcript that I was starting to have strong concern that I was being scammed. In that call, I asked to verify the name on the account that had sent money to my own account, which money had then bounced soon after. At the time of this deposit into my account, I did not know someone could fraudulently deposit money they did not have access to, or enough funds for, into someone else 's account. As an honest, trusting consumer, I believed this deposit into my account meant this individual I was communicating with had true access to real funds. In the phone call with Wells Fargo in XX/XX/year> that I am referring to, I was told to my inquiry, trying to verify if the name on the sending account matched the name of the individual to whom I had been communicating, that the information I was seeking was not available. I was hesitant to accuse this individual of fraud at the time, but my concerns were definitely feeling alerted at that point. I was doing my best at the time to get to the bottom of my growing concerns. It seems that an inquiry of this nature from the consumer, stating that they were trying to figure out if this activity on their account had been fraudulent, should have triggered an internal alert on the account. Banks deal with fraud all the time. They are trained to recognize suspicious behavior. We, the consumer, are not. But if a customer calls, trying to get to the bottom of who the funds truly came from, expressing concern that there has been potential fraud, should that not have been a red flag to someone at Wells Fargo and action taken to investigate, if not freeze the account on suspicion of fraudulent activity brought to their attention by myself? Please review the transcript of this call ( I believe it was a call I made in the middle of XXXX, though do not have phone logs of my own to pinpoint precisely to ). Wells Fargo may still fall back on their stand that technically I still gave authorization for these transactions. I acknowledge the truth of that. I gave authorization believing someone was telling me the truth. I since know I was being lied to. But in this case, Wells Fargo did not step up to assist me in getting to the bottom of the fraud committed against me, even when questionable activity was brought to their attention. Technically I gave authorization for these charges. But it could also truly be stated that technically I did NOT give authorization, as the authorization I gave for these transactions was to a man named XXXX XXXX, and I believe that if Wells Fargo digs into the banking account that sent the payments into my credit card account, that the name on the sending account will not be XXXX XXXX. THAT'S who I was authorizing payments for, and was told the money coming into my account was from. If the payment money coming into my account does not match to XXXX XXXX, as I was requesting information to confirm in that XXXX phone call, it confirms that these transactions I made on this card did NOT have my authorization, as XXXX XXXX was the ONLY individual I was giving authorization to, both for payments out and money paid into this account. Any other individual is fraudulent. If the payment to my account does not match name to XXXX XXXX, all the transactions are fraudulent, as my previous documentation clearly shows that XXXX XXXX is the person I was lied into believing I was in communication with and making these transactions for.

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 non-monetary relief