Consumer complaint received 2024-12-12 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: WA

Complaint narrative:
In additional to complaint numbers : XXXX and XXXX for the same Wells Fargo Visa credit card , I would like to add more information. I don't want to be repetitive because both Wells Fargo Visa finally responded to some of the inquiries and I attached my information that is still available in attachment. Unfortunately, CFPB platform provided by your organization doesn't give enough time for Wells Fargo Visa and myself to respond withing your timeline. How do you serve the purpose in decision making? Please provide me with a contact information, including e-mail with whom I will have ongoing conversations until this problem fully resolved. I will be happy to provide additional information upon request. 

After I reviewed all statements for XXXX and XXXX, transactions, purchases and returns this is what is not resolved. 

1 ) Disputes about billing, transactions, purchases that I never made and credits that I never received for returns. I do have documentation and receipts, provided multiple times to place of business and Wells Fargo Visa. Disputes over wording on statements with large amounts, stating that payment is not required. I'm unable to locate date and business for those amounts. Dispute over lost product that was mailed to place of business. No credit was issued and item was not returned to me. I lost money and product. Dispute over statement balance in XXXX that showed final balance on one statement and showed XXXX balance in biggening balance in following statement that's without payment. The balance appeared in purchases in the next statement. This is a huge bookkeeping mistake because it's neither purchase or return, a bellyflop! Disputes about no customer service in span of two years or more, slow response, no response or inability to problem solve as problem arises, this is why same disputes are still disputed to this day. Disputes over debt that wasn't paid back to me.

2 ) Accrual of late fees and interests. According to Wells Fargo Visa, while the case is still under investigation they will not report to credit bureaus for no payment. In many cases they state on the statement that their clients will not be responsible for payment until case is resolved for however amount time they take. Unfortunately, this is not true the company continues to charge fees and interest on the card regardless of incomplete investigation. 

3 ) False credit reporting to credit bureaus that does more than lower my credit score and good standing reputation. This goes along with statement in # 2. 

4 ) Lowered credit limit from {$7500.00} in XXXX to {$900.00} as of right now on Wells Fargo Visa credit card. This is revolving kid or student balance for a person who has no credit history, not and experienced credit card owner with steady full payment history and good credit history. This amount will buy me nothing! 

5 ) Unpaid debt to me The last statement balance is {$600.00}. According to my calculations debt owed to me in XXXX is {$3600.00} - debt owed in XXXX to Wells Fargo Visa is {$14.00} = {$3500.00}. Please issue immediately issue check for {$3500.00}!

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