Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wells Fargo Bank , N.A . 
Attn : Billing Error Department XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Wells Fargo Bank , N.A . for a Persistent Pattern of Inaccurate Billing Statements and Escalating, Compounding Unwarranted Interest Charges Wells Fargo XXXX Credit Card Account Number : Ending in XXXX Dear Sir or Madam, I am writing to file a formal complaint against Wells Fargo Bank , N.A . regarding a persistent and dangerous pattern of significant billing errors. For multiple consecutive months, the bank has issued misleading credit card statements that report failed payments as successful. This practice is not only deceptive but has also led directly to me being improperly charged escalating, compounding interest charges that now total over {$500.00}. 

Here is a timeline of the events demonstrating this recurring systemic issue : The First Error ( XXXX Statement ) : My statement for the cycle ending XXXX XXXX XXXX, showed a payment of {$5900.00} as successful. However, my bank records confirm this payment was returned and rejected on XXXX XXXX XXXX Wells Fargo had four days to recognize this failure but issued an inaccurate statement. 

The First Financial Consequence ( XXXX Statement ) : As a direct result of their XXXX error, my XXXX statement included an " INTEREST ADJ-PREV CYCLE PURCHASES '' of {$190.00}. 

The Pattern Repeats ( XXXX Statement ) : The error was not isolated. My statement for the cycle ending XXXX XXXX XXXX, reported two separate payments ( {$5700.00} and {$6100.00} ) as successful. My bank records confirm both failed on XX/XX/XXXX and XXXX, respectively, well before the statement date. 

The Second Financial Consequence ( XXXX Statement ) : As a direct result of the XXXX errors, my XXXX statement included yet another " INTEREST ADJ - PREV CYCLE PURCHASES '' of {$120.00}. 

The Third and Largest Financial Consequence ( XXXX Statement ) : The problem has continued to escalate. My latest statement, for the cycle ending XXXX XXXX XXXX, now includes a massive " Interest Charge on Purchases '' of {$240.00}.

This is a complete failure of Wells Fargo 's billing process. They have now charged me a total of {$560.00} in unwarranted interest, all stemming from their own repeated failure to provide accurate and timely billing statements. It is impossible for me to responsibly manage my account when the statements I receive are fundamentally and consistently flawed. This practice is deceptive, has caused me significant financial harm, and has completely eroded my trust in Wells Fargo 's ability to maintain accurate records. 

I request a full investigation into this matter. As a resolution, I demand that Wells Fargo : Immediately refund the total {$560.00} in interest charges that were applied to my account due to their reporting errors. 

Provide corrected statements for the XXXX, XXXX, XXXX, XXXX, and XXXX XXXX billing cycles that accurately reflect the returned payments and the full interest reversal. 

Confirm in writing that no negative information related to this pattern of errors has been or will be furnished to any credit reporting agencies. 

Provide a formal explanation for the systemic failure that is causing returned payments to be reported as successful on official billing statements and what steps are being taken to fix it permanently. 

I have enclosed copies of all relevant Wells Fargo and XXXX XXXX  XXXX statements that substantiate my claim. I trust the Bureau will investigate this matter thoroughly. 

Sincerely, XXXX XXXX Enclosures : Copy of Wells Fargo XXXX Credit Card Statements ( Cycles ending XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ) Copy of relevant XXXX XXXX XXXXXXXX Checking Statements ( Periods covering XXXX, XXXX, XXXX, XXXX, and XXXX XXXX )

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