Consumer complaint received 2026-01-05 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: NY

Complaint narrative:
Factual Background In XX/XX/year>, a total of {$2000.00} was charged to my credit card for transactions with XXXX XXXX ( XXXX, XXXX XXXX XXXX, XXXX  XXXX, Flat [ number ] ), a company with which I have no contract and from which I received no services. 

All negotiations, agreements, and contracts were conducted exclusively with XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX ). This company provided payment instructions via XXXX and XXXX, without informing me that the funds would be sent to a third party. I did not give consent for any funds to be sent to a company other than XXXX XXXX. 

The Bank responded to my XX/XX/year>, submission of new evidence on XX/XX/year>, claiming that they reviewed the materials and found nothing new, and closed my dispute, stating it was substantially the same as my previous dispute. This is factually incorrect, as new evidence clearly demonstrates that the funds were transferred to a third party without my authorization. 



Evidence Submitted I provided the Bank with comprehensive evidence, including : 1. Contractual agreement signed exclusively with XXXX XXXX ( XXXX ). 
XXXX. XXXX and XXXX correspondence showing : Payment instructions from XXXX XXXX. 
Russian phone numbers and addresses for communications. 
No disclosure that the payment would go to a third party. 
3. Payment link screenshots showing the name XXXX without clarifying it directed funds to XXXX XXXX ( XXXX ). 
4. Corporate registration documents for XXXX XXXX ( XXXX ) confirming it is a separate legal entity with no contractual relationship with me. 
5. Photo and video evidence confirming no signed service completion acts exist and that services were not provided or accepted.

Banks Failure to Comply with Regulation E By closing my dispute without reviewing this new evidence, the Bank has : Failed to properly investigate a claim of an unauthorized electronic fund transfer, as required under Regulation E / Electronic Fund Transfer Act.

Ignored clear evidence showing that the funds were transferred to a third party without my authorization, creating a material risk of financial harm. 
Violated its legal obligation to treat the new information seriously and reopen the dispute if warranted. 

The Banks failure to review new evidence constitutes a violation of its obligations under federal law and creates a material risk of financial harm to the consumer. 

Internal arrangements between XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) do not affect my rights as a consumer, and the Bank can not lawfully deny my claim by referring me back to the merchant. Requested Action I req
uest that the Bank : 1. Reopen my dispute and classify it as an unauthorized electronic transfer. 
2. Contact XXXX XXXX ( XXXX ) to verify the existence of any contract ( none exists ).

3. Review all submitted evidence thoroughly, including contracts, correspondence, screenshots, and video/photo proof. 4. Credit {$2
000.00} back to my account in accordance with Regulation E / Electronic Fund Transfer Act.

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