Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo Dispute Resolution Department, I am writing to formally dispute a series of unauthorized charges made to my Wells Fargo debit card for XXXX rides that I did not authorize, initiate, or benefit from. These transactions were first noticed on Sunday, XX/XX/XXXX. As a Wells Fargo client since XXXX, my account history clearly demonstrates virtually no XXXX usageperhaps one or two rides over a decade ago. This makes the recent pattern of activity both inconsistent and highly suspect. 

Between XX/XX/XXXX and XX/XX/XXXX, I was traveling for business in XXXX, Florida. My airline confirmations, hotel receipts, and related expense documentation conclusively establish this fact. On XX/XX/XXXX, I departed Florida on two connecting flights to XXXX, Texas, and subsequently rented a vehicle from XXXX to drive to XXXX, Texas, where the vehicle was returned at approximately XXXX XXXX  that same day. Despite my documented presence in Florida and Texas, my Wells Fargo account was charged for six XXXX transactions originating in XXXX XXXX, California on XX/XX/XXXX. 

On the following day, XX/XX/XXXX, I made two legitimate ATM withdrawals in XXXX, Texas, again confirming my physical possession of the card at that time and location. Yet on that same day, five additional XXXX transactions were processedfour associated with XXXX, Delaware, and one again from XXXX XXXX, California. In total, eleven XXXX charges totaling {$550.00} were posted between XX/XX/XXXX and XX/XX/XXXX. 

I have not used XXXX in approximately XXXX XXXX, and I have verified directly through XXXX website that my account has no trip history corresponding to these dates or any of these charges. The evidence is conclusive that my debit card information was fraudulently used by a third party in multiple distant locations while I was verifiably elsewhere with my physical card.

Wells Fargos determination that no error occurred is inconsistent with the facts and unsupported by the available evidence. I categorically deny authorizing these charges. Any conclusion to the contrary effectively asserts that I personally conducted or benefitted from eleven XXXX rides across two states I was nowhere nearwhile simultaneously traveling by air and car, supported by time-stamped documentation. That position is illogical and indefensible given the proof I can produce.

Accordingly, I am demanding that Wells Fargo reopen this dispute and conduct a full reinvestigation under the standards set forth by the Electronic Fund Transfer Act ( Regulation E ). I am prepared to provide all supporting documentation, including airline confirmations, rental car agreements, hotel receipts, XXXX account activity logs, and bank records verifying my physical location at the time the disputed transactions occurred.

I have been a loyal Wells Fargo customer for more than XXXX years and have never before filed a fraud claim. This makes it particularly disheartening to have my integrity called into question when the evidence so clearly indicates unauthorized activity. I expect this matter to be properly reviewed, corrected, and reimbursed without further delay.

Thank you for your prompt attention to this issue. I look forward to a formal written response confirming that a reinvestigation has been initiated in compliance with applicable federal regulations.

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