Consumer complaint received 2026-03-24 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: MN

Complaint narrative:
Complaint Against : Wells Fargo Bank Type of Account : Checking / Debit Card Issue : Unauthorized transactions/ Incorrect fraud investigation / Refusal to reimburse -- - Complaint : I am filing a complaint regarding Wells Fargos denial of my fraud claim involving unauthorized transactions on my debit card. My original claim was improperly handled. I explicitly told the representative that I did not want legitimate transactions included in the dispute. I was advised that it would not matter and that the fraud team would separate them. This resulted in a mixed claim, which appears to have led to a blanket denial. I have since corrected the claim and isolated only unauthorized transactions. -- - Key Issues : 1. Confirmed Fraud Pattern My account shows a clear pattern of fraud : - Initial small test charges ( e.g., {$0.00} ) - Followed by recurring charges ( {$29.00} ) - Repeated billing from services I did not authorize ( e.g., XXXX, XXXX ) This is a known fraud pattern involving card testing followed by monetization. -- - 2. Unauthorized Transactions from Services I Do Not Use There are recurring charges from : - XXXX XXXX XXXX ( dating platform ) I do not use dating platforms and did not authorize any of these charges. -- - 3. Geographic Impossibility / Location Conflict On XX/XX/year>, an ATM withdrawal of {$800.00} occurred on my account, along with a Wells Fargo fee. Wells Fargos system states this transaction occurred at a non-Wells Fargo ATM in Pennsylvania. However, at that exact time, I was physically on a cruise ship at sea, which is verifiable through travel and embarkation records. This creates a direct contradiction : - Either the transaction location is incorrect- Or the withdrawal was unauthorized Both can not be true simultaneously. I have requested that Wells Fargo : - Verify the actual ATM terminal location - Review transaction routing vs. physical location - Confirm authentication method ( PIN, chip, etc. ) This has not been properly addressed. -- - 4. Unauthorized Ride and Delivery Charges There are multiple XXXX and XXXX transactions that were not authorized. While I have used these services in the past, fraud activity appears to mimic normal spending behavior, making it harder to detect immediately. -- - What I Want : - Full re-investigation of the disputed transactions - Reimbursement of all unauthorized charges - Written explanation of how the ATM transaction was determined to be valid despite my verified location at sea - Confirmation of how Wells Fargo is validating fraud when clear inconsistencies exist -- - Summary : This is not a merchant dispute. This is unauthorized use of my debit card. Wells Fargo failed to properly investigate : - A known fraud pattern - Unauthorized recurring charges- A transaction that is geographically inconsistent with my location I am requesting regulatory review and assistance in resolving this matter. -- - I can provide these upon request- Transaction screenshots - Timeline of charges - Cruise documentation confirming location

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