Consumer complaint received 2025-12-31 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:
b'Hi below is the complaint letter i have written to wells fargo claims department which explains the details of my case.\n\ni have tried contacting them multiple times the only answer i get is card was in my possession no other investigation proofs.\n\nDear Wells Fargo Dispute Resolution Team,\n\nI am writing to formally dispute and request investigation into one or more unauthorized transactions that occurred on my Wells Fargo account. Despite my prior attempts to resolve this matter through your customer service team, the issue remains unresolved, and I have not received the protection or reimbursement required under Regulation E (12 CFR Part 1005).\nBelow are the details of the fraudulent transactions:\n\tTransaction Date(s): XXXX XXXX XXXXMerchant Name(s):  1. XXXX XXXX XXXX XXXX                                    2.XXXX XXXX XXXX XXXX XXXXI did not authorize these transactions and have no connection to the merchants involved.i was in india when these fraudulent transactions happened iam attaching my ticket as well here in this mail, whenever big transactions are attempted using my card I will get a SMS to check if it was me or not I have replied to that message as no and still transaction went through.  I have already reported these charges promptly and provided supporting documentation. Despite this, I was informed that my claim would not be reimbursed, without sufficient written explanation or evidence of authorization.please submit details of all the investigation.\n\nUnder Regulation E, Wells Fargo is required to:\n\tComplete an investigation within 10 business days (or 45 days if provisional credit is given);\n\tProvide a written details explanation of the investigation results; and\n\tReimburse the consumer if the bank cannot prove the transactions were authorized.\n\nTo date, I have not received a satisfactory explanation or refund as required by law. I am therefore requesting a reinvestigation of this case and a written final response detailing Wells Fargos findings and the specific evidence relied upon.\n\nPlease treat this letter as a formal written dispute and complaint under the Electronic Fund Transfer Act. I am also submitting a copy of this letter and all documentation to the Consumer Financial Protection Bureau (CFPB) for review.\nI expect a written response within 10 business days from receipt of this letter. Please direct any further communication to me via the contact details provided above.\n\nThank you for your immediate attention to this serious matter.\n\nNote:Old debit is still in my possession card ending with XXXX, I have not let anyone use my card,new debit card is ending with XXXX  \n.\n\nSincerely, \n(Signature if mailed)\n\n\n\nThank you....\n\nwells fargo claim numbers \n1.claim # XXXX2. claim # XXXX

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