Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Wells Fargo XXXX Department Re : Request for Reconsideration of Denied Debit Card Fraud Claim Claim Number : XXXX Account/Card Last 4 Digits : XXXX To Whom It May Concern, I am writing to formally request reconsideration of my denied debit card fraud claim. My Wells Fargo debit card was lost, and after that, more than nine unauthorized charges were made on my account totaling approximately {$490.00}. I did not make, authorize, approve, participate in, or benefit from these transactions. These charges were made without my permission after my debit card was lost. When I first opened the claim, I mistakenly included a few valid transactions. Once I realized the mistake, I reopened and corrected the claim so that only the unauthorized charges were included. I am asking Wells Fargo to review the corrected claim based only on the fraudulent transactions listed below. The unauthorized charges are : Date Merchant Amount Reason Disputed XX/XX/XXXX XXXX Cigar Lounge {$43.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX {$65.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX {$4.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX {$58.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX XXXX {$85.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX XXXX {$77.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX {$26.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX {$66.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX {$19.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX XXXX {$28.00} Unauthorized I did not make, approve, or benefit from this charge. XX/XX/XXXX XXXX XXXX {$22.00} Unauthorized I did not make, approve, or benefit from this charge. Timeline : My debit card was lost on or around : XX/XX/XXXX I noticed the unauthorized charges on or around : XX/XX/XXXX I reported the fraud to Wells Fargo on or around : XX/XX/XXXX The original claim was denied on or around : XX/XX/XXXX I reopened/corrected the claim on or around : XX/XX/XXXX The corrected claim was denied on or around : XX/XX/XXXX I am requesting that Wells Fargo reopen and fully reinvestigate this corrected fraud claim. I am also requesting reimbursement for the unauthorized charges and a written explanation of the specific reason the corrected claim was denied, including any evidence Wells Fargo relied on to deny my claim. I am also requesting confirmation that the reviewed claim only includes the unauthorized charges listed above, and not the valid charges that were mistakenly included in the original claim. Please consider this letter my formal written dispute and request for reconsideration. I have attached supporting documents, including screenshots of the transactions, claim information, denial notices, and any additional documentation available. Thank you for your prompt attention to this matter. I look forward to receiving a written response.

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