Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Since I was overbilled by XXXX XXXX, I filed a dispute with Wells Fargo because I paid by credit card. Please cross reference this complaint with the one about XXXX XXXX. I provided Wells Fargo the explanation of benefits. Its clear how much they charge versus what their contracted way was resulted in the overpayment by me. I was promised a provisional credit within XXXX to XXXX days XXXX days later nothing happened no credit. XXXX XXXX had not sent that refund check until after they denied me Care despite the fact they had my money. The problem is they sent it to the wrong address. They shouldve had my address on file. They sent a bill here in XXXX. That brings me to the fact that they used to bill my insurance first and then I could pay the bill. now they demand payment when I walk in the door even if they have my money already and havent refunded it. I dont think they treat all their customers like that or their office policy. That is besides the point though. Long story short XXXX called and they told me they talked to them and told them I had the wrong address and everything and then it would all be resolved in XXXX days which I didnt believe anyway. In the interim, my mom received the check, but she didnt know it because it came in an envelope saying it was from XXXX XXXX Sorry I cant remember the last name. I didnt cash it because XXXX told me they were already working on issuing and then a check, and I had already disputed it with Wells Fargo fully expecting it would be resolved of appropriately. That check disappeared by the way. Before it disappeared though, I called Wells Fargo back XX/XX/XXXX, because nothing had happened with my dispute and I saw no provisional credit. They chose the option to three-way with the merchant. XXXX periodontics. ml had not re-issued the check as CIGNA said they would. So they acknowledged on the phone with Wells Fargo on three-way that I was due a refund and once again they were gon na cancel the check which they shouldve already done and you a new one. Ive never received it. Wells Fargo said it was XX/XX/XXXX. Im actually not sure if thats the right day but thats what they said. Today I called Wells Fargo to let them know that I never received that refund check and I needed to proceed with the dispute and although I dont think I shouldve had to pay the price for the x-ray that they told me was covered by my insurance that wasnt due to that no surprise billing act that I would only dispute XXXX out of the XXXX they charge me just to keep it simple and not complicate the process any further because obviously thats all that I would owe even illegally collecting on an x-ray. They told me it was covered by my insurance. I was fully expecting half of that back from my insurance company then I only get {$30.00} for the whole visit. Now Wells Fargo wants to know why I think Im entitled to a refund when weve already established that I am and they had the explanation of benefits and it straight up says this is what the company charge is and this is what our contracted rate is and they have to follow the contracted rate. Its called the no surprise billing act. Now Wells Fargo wants me to produce receipts even though they know I was charged for it. Its on my statement. It posted to my credit card and I paid the bill in full. I feel they are giving me a hard time and trying very hard to make me pay for the fraud and I know theres more fraud. I just have completely overwhelmed and have been sick and even more offkilter. They know I paid for it, but they want me to do extra work and its abusive. I was promised a provisional credit in XXXX to XXXX days and that was XX/XX/XXXX. Its now XX/XX/XXXX. This is insane. Just like the providers are supposed to follow federal laws, so our banks and they need to comply with the no surprise billing act as well as my right according to the FRCA and not make things complicated for me. Theyre already very complicated and Im noticing a lot of things that are being retroactively. I reported some fraudulent charges to XXXX Wells Fargo the other day and Wells Fargo themselves and there will be more. But this was a no-brainer. I did not owe that practice that much money. They overbilled me. There are federal laws that protect my rights in Wells Fargo has no right to take my rights away from me and neither does anybody else and Im tired of it they didnt need me to prove I paid. They had a record of it and my payment in full then they want receipt. They already got my explanation of benefits. They know I dont owe the money. The practice themselves admitted I was doing a refund with them on three-way. This is ridiculous.They had the nerve to tell me that I got my refund of {$30.00} from CIGNA. thats a far cry from what I was expected to pay if I pay {$320.00} and I get XXXX back, that only puts me down to {$290.00} and I was only supposed to pay XXXX. I dont know what kind of Calculator these credit card companies are using these days but it aint an American calculator.

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