Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company name : Wells Fargo Product : Bank account or service Type of account : Checking account # XXXX Problem : Charged for something I didn't agree to Date of problem : XX/XX/XXXX XX/XX/XXXX Complaint Description I am disputing XXXX unauthorized electronic fund transfers totaling XXXX XXXX XXXX XXXX XXXX at merchant " Welcome XXXX XXXX XXXX XXXX XXXXXXXX '' in XXXX, XXXX, across XXXX and XX/XX/XXXX. These transactions were processed without my authorization, without my PIN, and without my card leaving my possession. Original Claim Denied : I filed an initial dispute ( Claim # XXXX ) which Wells Fargo denied without adequate explanation or providing the documentation relied upon for the denial, as required under Regulation E. Pattern of Fraud Discovered : After reviewing my XX/XX/XXXX statement, I discovered the same merchant had processed an extensive pattern of repeated unauthorized charges XXXX additional transactions in XXXX alone, following XXXX unauthorized transactions in XXXX. Only XXXX or XXXX transactions per visit were ever authorized, where I used my chip card. The remaining transactions including repeated identical amounts such as {$36.00}, {$72.00}, and {$180.00} are consistent with unauthorized contactless transaction exploitation. XXXX XXXX Regulation E Rights Violated : XXXX XXXX Under 12 C.F.R. 1005.11, I am entitled to a full and fair investigation, provisional credit during the investigation, and a written explanation if denied. Wells Fargo has failed to provide the documentation used in the original denial, including merchant-provided evidence such as itemized receipts, terminal logs showing card entry method, or PIN verification records. Executive Escalation Failed : On, XXXX I escalated this matter to the Wells Fargo XXXX XXXX XXXX XXXX XXXX. I received an auto-reply confirming it will be adressed asap. I received an voicemail from XXXX from XXXX office, extension XXXX XXXX and left me a refrence # XXXXI have returned the call multiple times, left detailed voicemails, and attempted contact through the general call center, but the representative is unresponsive. The call center transfers me to this representative but i get his voicemail and they are unable to provide an alternative contact. This leaves me with no viable channel to pursue my dispute. XXXX XXXX Amounts : | Category | Amount | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Total Disputed ( XXXX transactions + fees ) | {$2300.00} | | Less : Provisional Credits Received | {$100.00} | | Less : Fee Reversals Received | {$4.00} | | XXXX XXXX Net Amount Still Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution : XXXX. Immediate reinvestigation of all XXXX disputed transactions under Regulation E XXXX. Assignment of a responsive representative who can be reached directly XXXX. Provision of all documentation relied upon in the original denial XXXX. Provisional credit of the net disputed amount ( {$2200.00} ) during reinvestigation XXXX. Written explanation if any portion remains denied, citing specific evidence I am prepared to provide a signed affidavit and any additional supporting documentation required. THANK YOU for your time and attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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