Consumer complaint received 2026-04-28 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: CA

Complaint narrative:
Executive Summary We are filing this complaint regarding Wells Fargos improper handling of fraudulent debit card transactions involving XXXX XXXX. On XX/XX/year>, we made a legitimate payment of {$970.00} to XXXX XXXX using our company debit card. Shortly afterward, the merchant fraudulently charged XXXX additional unauthorized transactions of {$2000.00} each on XX/XX/year> and XX/XX/year>, which we immediately reported and disputed. Wells Fargo initially issued provisional credits for both fraudulent charges but later reversed {$2000.00} on XX/XX/year> and again on XX/XX/year> without requesting additional evidence or providing documentation of authorization. Despite providing proof of the only authorized transaction, the bank has failed to properly resolve the dispute. We are requesting full reimbursement of {$4000.00} in fraudulent charges and correction of the improper reversals in accordance with Regulation E. Complaint : I am filing a complaint regarding Wells Fargos mishandling of unauthorized debit card transactions and failure to properly resolve fraud disputes in accordance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. We used our company debit card to make a legitimate one-time payment to XXXX XXXX in the amount of {$970.00}. All subsequent transactions were unauthorized. Timeline of Events : XX/XX/year> : Authorized payment of {$970.00} made to XXXX XXXX using our company debit card. We received a receipt for this transaction. XX/XX/year> : XXXX XXXX fraudulently charged {$2000.00} without authorization. We immediately contacted the bank and filed a fraud claim. XX/XX/year> : Wells Fargo issued a provisional credit for the disputed {$2000.00} charge. XX/XX/year> : XXXX XXXX again fraudulently charged {$2000.00} without authorization. We again contacted the bank and filed a fraud claim. XX/XX/year> : The bank issued a credit for the second {$2000.00} fraudulent charge. XX/XX/year> : Wells Fargo reversed a provisional credit of {$2000.00} without requesting any additional documentation or new evidence. XX/XX/year> : A second reversal of {$2000.00} was made under the same circumstances. Summary of Issue : The total fraudulent amount of {$4000.00} ( XXXX unauthorized charges of {$2000.00} each ) was improperly reinstated against our account through provisional credit reversals. We have consistently maintained that : Only the initial {$970.00} transaction on XX/XX/year> was authorized All subsequent {$2000.00} charges were fraudulent and unauthorized We immediately reported each fraudulent transaction to Wells Fargo We also provided Wells Fargo with the receipt from XXXX XXXX confirming the only authorized charge of {$970.00}. At no point did Wells Fargo request additional supporting evidence before reversing provisional credits. Regulatory Concern : Wells Fargos handling of this dispute raises concerns under the Electronic Fund Transfer Act and Regulation E, which require financial institutions to properly investigate unauthorized electronic fund transfers and provide fair resolution. The reversal of provisional credits without requesting additional evidence or establishing valid authorization is inconsistent with these requirements.

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