Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In all my years, I have never had a bank and its affiliates refuse to identify those making a financial claim and the reasons for it. So, Wells Fargos refusal to do such is a matter for the Federal Trade Commission. 
On the surface, it appears Wells Fargo ( and its representatives ) recently created a fake scenario ; they claimed that a person or organization tried to make a charge of {$300.00} against my credit card ( with Wells Fargo ). The bank refused to identify that person or organization who made the claim and when I forced them into a corner to do such, they then claimed they made a total recovery of that amount. Very suspicious behavior that lead to a distrustful relationship. 
Next, Wells Fargo ( or its representatives ) claimed I owed them a balance of {$65.00} ( a couple of months ago ) and refused over-and-over to identify the business or person making that claimed expense on my credit card ( with Wells Fargo ). Instead, they dragged out my requested information for 3 months ( and on-going ) so they could charge a 30 % late penalty fee ( their APR is 16.24 %, not 30 % ; their current bill went from {$65.00} to {$92.00} when late payment penalties are included ). Now, they threaten to increase the late payment penalty fee another {$40.00} if I refuse to accept their fictitious {$92.00} charge. From the get-go, all I have asked for ( repeatedly ) is the identity of the party making the original {$65.00} charge and their response is to provide concerned parties with insignificant, massive amounts of paperwork ( to purposely divert attention from the very basic question I am repeatedly asking ). 
Wells Fargos credit card agreement clearly states while we are investigating your suspected error amount, you do not have to pay that amount.. Yet the bank refuses to abide by that contractual obligation. Evidently, they believe there are no errors even though they can not identify who is making a charge on their credit card ; evidently, Wells Fargo believes dreaming up an unsubstantiated expense is not an error on their part. 
**********I am not asking for loads of paperwork that does not even comes close to addressing my grievance ; I am asking for a name only ( as well as the associated purchase date and reference number ). I would think a simple computer request would provide that information in seconds and not take forever to do so ( by their representatives ). This demonstrates how seriously Wells Fargo takes customer service ; they will waste hours to fight even the simplest of requests or to hide errors. ********** It is apparent that Wells Fargo will continue to drag things out so they can attach additional penalties on the fabricated original {$65.00} expense. I have spent hours writing letters and talking to representatives at the bank ( over the past 3 months ) and instead of answering my question ( as to the business or person who made the {$65.00} claim ), they just pass me onto another rep ; it is obvious Wells Fargo is purposely creating delays so they can continue to levy late fees and avoid admitting that they made an error.

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