Consumer complaint received 2026-03-08 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: CA

Complaint narrative:
I was initially trying to sell used items on depop, and since I had no experience on selling online I decided to start with XXXX item, a pair of XXXX jeans that are too bing for me. Shortly after the listing went live I received emails to confirm my account because the item had sold. I clicked on the link and it took me to a webpage that looked like XXXX. After logging in I had to put in my debit card information to receive the payment. Shortly after a person in a chat said that they will withdraw a small amount of money and once I told them the exact amount they will refund it back. This happened a couple of times until they asked if I had at least {$1000.00} in the account in case I needed to do future returns. I told them I did, because I had gotten paid that same week. They proceeded to start taking out larger amounts but would immediately refund them. The person in the chat asked me if I was still getting the alerts on my phone and since they stopped I told them no. They once again said that I would need another {$1000.00} to finish the process or else my account will not be verified and they couldnt return my money. I had asked my sister for money and since we had never sold online we didnt question it. Once again they took the money I got sent and since they kept on insisting I needed more money I told the person that I would have enough if they could just return everything. They replied again saying that I need to have more in order to verify and rerun everything but once I told them it would take a couple of days for a transfer from an external account to show up they stopped responding. Realizing that I just got scammed I immediately called Wells Fargo so they could freeze my account and to open a claim. The agent froze my account and canceled my card, and told me that they were still trying to take out more money as we were on the phone. Since I didnt have overdraft protection it got declined. I took down my listing on depop and changed my passwords on all of my accounts. I received a provitional credit while Wells Fargo investigated my case. On XX/XX/year> I called back again per a letter I received asking for more information. I told the agent the same thing and asked if I should send emails with proof, she said they were not needed since she believed me, and said that its was up to visa now to determine if I could have the money or not. I kept on checking in the app for updates on the claim and on XX/XX/XXXX I saw that the claim was declined. I called Wells Fargo on XX/XX/XXXX since I got a letter saying that the claim was closed. I requested the documentation for the case but was told that it would take up to XXXX days to get to me via mail. The letter states XXXX reasons : a cancellation was not made or attempted prior to the expected date ( s ) of service. There is no indication the service is different from the merchants description. The services were rendered to you at the time of the transaction.

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