Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
WELLS FARGO CLAIM : XXXX On XX/XX/2025, on my first day of vacation in XXXX, I went to a bar for a drink in XXXX. At time of payment, the merchant said can not pay by credit card, therefore I proceeded to pay with my debit card. Merchant said to me, card not getting through, therefore call your bank, which I assume was not going through because I was in XXXX. The merchant started to use my debit card for excessive transactions and amount so they could withdraw as much as possible. My WF debit card was increased to {$14000.00} USD from {$3500.00} USD without my permission and WF could not confirm who authorized that. If you calculate the 3 transactions that took place at that bar ; the 1st one I was charged {$2100.00} USD which was not the correct amount but I accept since I should have paid closer attention with the yen invoice amount to USD. The 3 transactions total amounted to {$13000.00} that is basically my new debit card limit of {$14000.00} USD. This " bar/merchant/establishment '' are professional scammers. 
The fraudulent establishment debited my debit card within " XXXX '' second apart of each transaction below ( which it's physically impossible to be that fast ). The transaction amounts and details provided by Wells Fargo during their investigation : XX/XX/XXXX amount {$5500.00} USD time XXXX XX/XX/XXXX amount {$5700.00} USD time XXXX Within an hour of the transactions, I proceeded to call Wells Fargo and put a stop to those transactions. I was told that they were pending and any for any " action ' to be taken by WF, they had to let the transactions proceed, which does not make sense and give them my money without due diligence. 
I filed a police report which I gave Wells Fargo the details, I called the XXXX XXXX and was told, it's a local issue, can not help and was on the phone with Wells Fargo on a daily basis to try not to let them pay these fraudulent charges since they would be pending for a few days and get some updates.

Wells Fargo did not protect my money, and my account. I asked Wells Fargo to investigate. WF answered that it was a processing error and closed the claim as a result. I was provided upon their investigation just a record of the transactions, which shows very clearly the 2 above transactions within 1 second, which in my opinion should have raised red flag. Also, the name of the merchand name is not match the bar I went too. I feel that WF did not really investigate this matter properly. I contacted them again and make it clear again that this was not a processing error but fraud on my account. Following my claim 's denial, I proceeded to appeal their decision and after over XXXX  days Wells Fargo has yet to address the issue and /or reply to me.

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