Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo improperly charged interest and a late fee on my closed Wells FargoXXXX credit card account after mishandling a customer-service-authorized reversal of an overpayment. On or about XX/XX/XXXX, I called Wells Fargo regarding what appeared to be a duplicate payment on my Wells FargoXXXX credit card account. At that time, XXXX was transitioning from Wells Fargo to another partner bank. During that call, I asked how to close the account and whether there was anything further I needed to do. In response, customer service identified that both an automatic Wells Fargo payment and another Bilt-related payment had gone through, resulting in an overpayment. Based on that conversation, Wells Fargo customer service reversed my automatic payment. During the same call, customer service also helped me close the account, and I confirmed that no further payment was due. The account history showed the following payment, reversal, and later charge activity : XX/XX/XXXX AUTOMATIC PAYMENT - THANK YOU ( # XXXX ) + {$3000.00} XX/XX/XXXX PAYMENT - THANK YOU ( # XXXX ) + {$5900.00} XX/XX/XXXX ADJUSTMENT-PAYMENTS ( # XXXX ) {$3000.00} XX/XX/XXXX INTEREST ADJ - PREV CYCLE PURCHASES {$85.00} XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/XXXX LATE FEE {$25.00} XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$2.00} Wells Fargos own transaction history and my checking account records show that the XX/XX/XXXX automatic payment of + {$3000.00} was in fact made while autopay was still active. I did not turn off autopay until after that final payment had already been made. The records also show that the {$3000.00} payment was later reversed after I contacted customer service about the overpayment. On XX/XX/XXXX, I called Wells Fargo again after receiving an XX/XX/XXXX email stating that there was still an outstanding balance on the account, even though I had already closed the account and believed the matter had been fully resolved. During that call, I specifically asked Wells Fargo to explain why interest and a late fee had been charged. Customer service did not answer that question and instead repeatedly insisted, without addressing the actual payment history, that I had turned off autopay and that this was why the charges appeared. She asked me to verify whether the automatic payment appeared in my checking account. I did so during the call and confirmed that it did, but she still denied that I had made the payment on time. I am prepared to provide supporting documentation, including Wells Fargo account records and XXXX checking account transaction history, showing that the payment activity described above is accurate. I am seeking removal and refund of the {$85.00} interest adjustment, the {$25.00} late fee, and all related trailing interest ; correction of the account history to reflect what actually occurred ; written confirmation that no negative reporting was made, or correction if it was ; and reimbursement for any other fees, charges, or adverse consequences caused by Wells Fargos mishandling of this issue.

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