Consumer complaint received 2025-07-27 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: MN

Complaint narrative:
I did not make nor authorize the transaction detailed below. 

On XX/XX/XXXX a charge was made on my debit card for {$2800.00}. My wife saw the charge, knew it was fraudulent and alerted me. It seems they knew the amount in our account as they left us roughly {$65.00}. I immediately contacted Wells Fargo to dispute the charge. Wells Fargo canceled my debit card and issued me a new card. Wells Fargo did provide me with a provisional credit of the {$2800.00} charge. Reference # XXXX was assigned to the claim. 

I received a letter from Wells Fargo dated XX/XX/XXXX notifying me that they had deemed the charge was authorized and that there was no processing error. I received the letter on XX/XX/XXXX and immediately called Wells Fargo to dispute the charge again. The letter also notified me that the provisional credit would be deducted from my checking account on XX/XX/XXXX. During the XX/XX/XXXX call, I was told the following : The bar where the charge was made verified all the debit card information, including the XXXX code, my name, address, email and phone number. 
This was an online order for XXXX XXXX XXXX  of XXXX XXXX  and XXXX XXXX bottles of XXXX XXXX XXXX 
I was told my options were to escalate within Wells Fargo or go to Small Claims Court. I opted to escalate within Wells Fargo. 

On XX/XX/XXXX I called Wells Fargo to check the status of my escalation since I had not heard anything. At this time, I was told that again, my claim was deemed to be a proper transaction since the bar had all the debit card information as well as my name, address, email and phone number. This escalation was assigned claim # XXXX. I ultimately received a letter dated XX/XX/XXXX confirming that my escalation claim had been denied. 

During my XXXX phone calls with Wells Fargo, I had questions that they could not answer. There are : I was initially told this was an online order, my questions around that are : o A XXXX search does not yield a website to place an order. So how was the order placed? 
o Wells Fargo told me the order was for XXXX XXXX bottles of alcohol. Since an order was placed, where was alcohol delivered? It was not delivered to me. ( Wells Fargo told me this was a good question ) I was told the name of the bar was XXXX XXXX XXXX XXXX. A XXXX search yields only XXXX XXXX XXXX and XXXX located in XXXX XXXX, Alabama. 
o XXXX XXXX  reports the business is permanently closed. 
o Their Instagram accounts last post was in XXXX. 
o The last online reviews were in XXXX. 
o During one of my conversations with Wells Fargo, I was told that there was no telephone number for XXXX XXXX and XXXX. 
Other questions that have come to me since my last conversation with Wells Fargo : o Did you look at my purchase history? Did you see anything that history that would indicate I would make this kind of purchase? 
o Is it possible someone inside Wells Fargo acquired all the information and sold or used it?

o Out of curiosity, what phone number and email were used? 


I think my complete card information could have been easily skimmed or acquired during a transaction. I have a unique name in that there is no other XXXX XXXX in the United States. Addresses, emails and phone numbers are not that hard to find online. 

I have requested a copy of all the information that was used to make their decision. I was told it could take up to 30 days to receive the information.

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 monetary relief