Consumer complaint received 2026-03-17 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: VA

Complaint narrative:
I am disputing charges for transactions that were confirmed as canceled or never processed, yet I was still billed, which may constitute a billing error under the Fair Credit Billing Act and raises serious concerns about the adequacy of Wells Fargos investigation. I am filing this complaint against Wells Fargo regarding their handling of my credit card dispute involving transactions made through XXXX. After discovering that I had been the victim of a scam, I immediately reported the transactions to Wells Fargo and to the merchant, XXXX. I received written confirmation from XXXX that multiple transactions were canceled or did not go through, including : * Transaction ID : XXXX ( {$710.00} ), which I canceled before approval and was confirmed that my account would not be debited * Transaction ID : XXXX ( {$3000.00} ), XXXX ( {$2500.00} ), and XXXX ( {$500.00} ), which were not processed because my bank rejected the transactions and no funds were transferred In addition, I received confirmation that the following transactions were canceled : * Transaction ID : XXXX * Transaction ID : XXXX Despite these confirmations, I was still charged for certain transactions. At the same time, XXXX provided inconsistent information by initially stating that transactions were completed and later confirming that some were canceled. This creates serious concerns about billing accuracy and the reliability of the merchants response. Additionally, XXXX acknowledged concerns about possible fraudulent activity involving the recipient and confirmed that the recipient was flagged in their system. Despite this clear evidence, Wells Fargo denied or failed to properly resolve my dispute. I believe the investigation was incomplete and did not fully consider the confirmed cancellations, rejected transactions, and inconsistent merchant responses. Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, I am entitled to a reasonable and good faith investigation of disputed transactions. Given that multiple transactions were canceled or never processed, and others are associated with a reported scam, I respectfully request that Wells Fargo : * Reopen this dispute and conduct a full and independent investigation * Verify all transaction statuses based on accurate and complete information * Correct any billing errors, including charges for canceled or unprocessed transactions * Issue refunds or credits for any canceled or fraudulent transactions * Provide a clear written explanation of the investigation findings I also request confirmation that my account will not be negatively impacted during this process. I have attached written confirmation emails from XXXX and supporting documentation for review. Thank you for your attention to this matter.

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