Consumer complaint received 2024-07-16 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: NC

Complaint narrative:
On XX/XX/XXXX, my account was used to make a fraudulent purchase through XXXX to a fraudulent business identified as XXXX XXXX XXXX. XXXX sent an invoice receipt showing the purchase of XXXX shipping containers in the amount of {$3500.00}. I contacted Wells Fargo immediately to report that the charge was a scam and the company info on the invoice was not that of an actual company. The website listed XXXX is a bogus website with contact information and what information is available, it does not match the product type on the invoice. The email address listed is a bogus email which returns failed to sender and the address isnt valid. The physical street address listed on the invoice is also fake, coming back to a completely different business whom I contacted and they have never heard of this company or the name XXXX XXXX that was on the invoice as the alleged sales person. Wells Fargo had this information, submitted the claim to VISA for fraud and was returned on XX/XX/XXXX as charges authorized and a reversal of temporary credit being removed from my account on XX/XX/XXXX. I contacted Wells Fargo requesting further assistance and was just told numerous times I would have to contact the merchant, even though I explained over and over again that the merchant cant be reached because they are a scam. They claimed that XXXX investigators validated the charge however because the charge went through square, square only validated that a charge was made and there is no proof from either entity that can be provided at this time that the merchant is in fact valid or that any information is available to contact them. I have contacted Visa who put this back off on Wells Fargo, I have spoken to XXXX different people at Wells Fargo who are clearly incompetent in the handling of the claim and refused to listen to the information I was providing them. I explained on multiple occasions that I did not authorize a fraudulent charge and that we have not received any goods, nor services, from this alleged merchant, and that the merchant does not in fact even exist. Still I got no where and asked multiple times to speak with a supervisor. One agent told me there wasnt a supervisor which I know was complete garbage, another agent told me they would have to escalate it to the XXXX branch which could take XXXX business days, and another agent told me they would take my phone number and I would receive a call back from a supervisor. To which none of these have happened. I am absolutely furious that I stand to lose {$3500.00} for a complete fraudulent scam and neither Wells Fargo, XXXX  nor visa has any care in the world to assist with this. They have just passed this off on to one another. 

Please take note of the invoice I have attached that I received to my email. The address, company info and email address to this company are fake and a quick XXXX search of the address shows proof that this company does not exist.

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