Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo is charging me interest on a fraudulent {$10000.00} cash advance I never authorized and that is still under dispute, while also manipulating my payment history to make it look like I paid later than I did. This complaint ties directly to my prior CFPB complaints against Wells Fargo ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ). On XX/XX/XXXX, per instructions from Wells Fargos Executive Office employees, I paid my full balance of {$9800.00} before the XXXX XXXX  cutoff to avoid interest, since Wells Fargo had refused to pause the disputed charge. Wells Fargo confirmed in writing that the payment would be effective as of XX/XX/XXXX. Hours later, Wells Fargos system added a {$230.00} interest charge that had not been there before. Wells Fargo then inserted a small interest adjustment, acknowledging something was wrong, but did not fix the problem. Even worse, Wells Fargo later changed my last payment received date from XX/XX/XXXX to XX/XX/XXXX a Sunday, when no payments are processed. The interest they are charging is tied directly to the fraudulent {$10000.00} cash advance that is still in dispute, which is prohibited. Wells Fargo had already reversed prior improper interest charges and the original cash advance fee on this disputed {$10000.00}, yet they are again trying to charge interest on the same fraudulent transaction. I have been in direct contact with Wells Fargos Executive Office ( representatives include XXXX, XXXX, XXXX, and XXXX ) XXXX On XXXX separate occasions, I was promised a call back within minutes on XX/XX/XXXX ( XXXX told XXXX XXXX would XXXX ) and on XX/XX/XXXX ( XXXX told XXXX XXXX would call ). I waited both times, but those calls never happened. I left voicemails and documented each instance, showing a pattern of false promises and broken commitments by Wells Fargos own highest-level customer service team. After posting about this issue on XXXX ( XXXX ), Wells Fargos social media team responded immediately and said they would provide a response within XXXX days. But I had already given Wells Fargo XXXX hours with no resolution, and I am unwilling to accept further stalling. Charging interest on a disputed transaction violates federal law, and manipulating my payment date from XX/XX/XXXX to XX/XX/XXXX violates the Credit CARD Act of XXXX, which requires payments made before cutoff to be credited the same day. These actions have caused me improper interest charges, a false payment history, and account balances that do not reflect reality. I demand restoration of my payment date to XX/XX/XXXX, full reversal of all improper interest charges ( including the {$220.00} currently showing ), and complete reversal of the fraudulent {$10000.00} charge itself. I have screenshots showing Wells Fargos confirmation of my XX/XX/XXXX payment, the later insertion of interest charges, the shifting payment date, and piecemeal adjustments instead of a proper fix. This is now my fourth CFPB complaint on the same unresolved {$10000.00} fraud, and Wells Fargos misconduct now extends beyond the fraud itself to include interest charges, payment history manipulation, repeated broken promises by its Executive Office, and bad-faith stalling even after public escalation.

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