Consumer complaint received 2024-05-21 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: SC

Complaint narrative:
XX/XX/XXXX I made a transfer from XXXX to Checking accts for {$25.00} with a memo for XXXX. 
XX/XX/XXXX ( as per an Alert Email from my Wells Fargo account ) An unauthorized debit card XXXX transaction was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/XXXX A Wells Fargo online representatives was advised of the unauthorized transaction and recommended that I replace the current XXXX debit card with a new one and I agreed. 
I then proceeded to contact the XXXXXXXX XXXX XXXXXXXX and was advised to " call back and speak with the Manager-XXXX. '' I called back XXXX XXXX XXXX. and spoke with XXXX XXXX about the transaction for {$17.00} and could she check her system? She asked me to " call her back in XXXX minutes. '' When I called back, she advised me that there was no transaction in her system for {$17.00} on XX/XX/XXXX. 
XX/XX/XXXX I called Wells Fargo again and spoke with XXXX XXXX. 
I explained that I called XX/XX/XXXX and needed to know if a new card was issued and can she check on the unauthorized transaction. 
XXXX XXXX checked and tried to convince me that according my account for XXXX on her screen, the Merchant may have been late in collecting their money from XX/XX/XXXX 's transaction. 
I advised her that the XXXX day time period isn't accurate because XXXX XXXX 's time frame on accounts is usually from XXXX days and not an entire 30 days. XXXX XXXX indicated that perhaps " I forgot my transaction on XX/XX/XXXX and did I remember being at the XXXX on XX/XX/XXXX? '' I advised XXXX XXXX that I didn't remember because I didn't have my bank statement in front of me to confirm her allegations. 
XX/XX/XXXX I received XXXX letters from the Wells Fargo Claims Assistance Center Dated XX/XX/XXXX indicating that they provisionally credited my account for {$17.00} on XX/XX/XXXX. 
The second letter also dated XX/XX/XXXX indicated that " we have completed our research into the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/XXXX we will deduct the provisional credit of {$17.00} previously provided to you. '' XX/XX/XXXX I met with my banker, XXXX XXXX at Wells Fargo regarding the letters of XX/XX/XXXX. I explained that after talking to XXXX XXXX, I retrieved my online bank statement for XXXX and saw that XX/XX/XXXX was an account-to-account transfer for {$25.00} with a Memo of Laundry. 
The word " Laundry '' in my memo is the error caused on Wells Fargo 's Representative XXXX 's behalf because she immediately assumed the transfer was to repay XXXX XXXX for their " unauthorized transaction on my XXXX debit card for XX/XX/XXXX. '' Therefore causing a misrepresentation of " Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17.00} '' I want Wells Fargo to reimburse my {$17.00} to my account and I want the corrections made to my XXXX bank statement corrected. 
I want XXXX XXXX XXXX to reimburse Wells Fargo for their wrong doing and penalized for illegal practices to their customer-accounts. I don't want anymore of their customers to be penalized by their banks for unauthorized transactions.

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