Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
Unauthorized Gym Membership Charge Bank Wrongly Denied Dispute Summary : I am reporting repeated unauthorized charges by XXXX XXXX XXXX XXXXXXXX on my Wells Fargo credit card account. The gym has charged me without my authorization, engaged in deceptive practices to keep me enrolled in their program, and refused to provide refunds. The contract they rely on does not bear my signature, so I never formally agreed to these charges. The gym has also threatened to ban me from the facility when I questioned or disputed these charges. Despite disputing the charges with my bank, the bank denied my disputes, leaving me without recourse. 

Details of Unauthorized Charges : - XX/XX/XXXX {$830.00} : Unauthorized charge. I was unable to dispute this charge with my bank at the time because it was past 90 days, but I never authorized it. 
- XX/XX/XXXX {$850.00} : Unauthorized charge. I filed a dispute with my bank ; the dispute was denied. 
- XX/XX/XXXX {$850.00} : Unauthorized charge. I filed a dispute with my bank ; the dispute was denied. 
- XX/XX/XXXX {$1600.00} : Unauthorized charge. I filed a dispute with my bank ; the dispute is currently pending. 

Supporting Facts : The gyms behavior appears to be a pattern of misleading and coercive practices, including : - I never signed any contract with this gym there is no signed authorization from me for recurring billing. 
- The gym has engaged in deceptive and coercive practices, pressuring me to remain in the program while refusing refunds for unauthorized charges. 
- The gym refused to cancel the recurring charges upon request. 
- The gym refused to refund for unauthorized charges. 
- The gym continued to make unauthorized charges despite complaints. 
- The gym threatened to ban me from the facility when I questioned or disputed charges. 
- The bank denied my disputes for the charges on XX/XX/XXXX and XX/XX/XXXX despite clear evidence that they were unauthorized.

These repeated unauthorized charges have caused financial harm, stress, and inconvenience, and may continue if the gyms practices are not investigated.

What I am requesting : - That the bank reopen and properly investigate all disputes, including the charge on XX/XX/XXXX, which I could not dispute initially.

- That the bank require the merchant to provide actual proof of authorization, rather than generic or boilerplate documents.

- That all unauthorized charges be refunded promptly.

- That the bank ensure its investigation and resolution comply with : + Regulation E ( EFTA ) for unauthorized transactions + XXXX chargeback rules for recurring billing + Fair Credit Billing Act Additional Notes : I request that the CFPB consider all four charges as part of a pattern of ongoing unauthorized billing. This demonstrates the gyms repeated malpractice and disregard for consumer consent. I urge the CFPB to take prompt action to prevent further unauthorized charges and to protect other consumers from similar practices.

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 monetary relief