Consumer complaint received 2026-04-30 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: MN

Complaint narrative:
I am filing this complaint to formally appeal the denial of my fraud claim regarding transactions totaling {$5600.00} and {$620.00} that occurred on XX/XX/XXXX. These charges were initiated under extreme, credible threats and criminal coercion, which completely negated my capacity to provide voluntary legal consent. While I was physically present during the transactions, my presence was the direct result of an immediate, credible threat to my safety. Under the law, consent obtained through duress is legally void. Therefore, these transactions constitute 'unauthorized use ' as defined by the Truth in Lending Act and Regulation Z. I have taken the following actions : I notified Wells Fargo of this criminal activity on XX/XX/XXXX. The bank failed to recognize the red flags of multiple transactions at odd hours in XXXX and failed to implement appropriate fraud protections, despite my repeated contact with the bank. These transactions were executed in a highly suspicious manner that should have immediately triggered standard fraud-detection protocols. Specifically, the activity occurred in rapid succession : Two transactions of {$1600.00} were processed only 10 seconds apart using two different payment processors. This was followed 10 minutes later by two additional transactions of {$1100.00} each, again split between two different payment processors. After that another separate card was hit for the {$620.00} soon after. This rapid, repetitive pattern across different processors and multiple credit cards is a clear red flag. Despite this obvious evidence of unauthorized and abnormal account activityand my proactive reporting of the criminal situationthe bank failed to intervene, protect my account, or halt these fraudulent transactions. I attempted to report this criminal activity to Dutch authorities at XXXX XXXX so XXXX Amsterdam time XXXX I was unable to obtain a formal written police report but I have documented the contact to XXXX. Because of this attached is a signed affadvit of the incident that is notarized. I did also file an official report with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding this criminal coercion ( Case # : XXXX ) and a separate case on XX/XX/XXXX adding the second credit card transaction XXXX The bank has incorrectly categorized my report as a 'merchant dispute ' ( Case # : XXXX XXXX XXXX and XXXX and XXXX and denied my fraud claim based solely on my physical presence at the time of the transactions. The banks denial fails to address the criminal element of coercion and ignores the legal requirement for voluntary authorization. I request that the banks legal compliance department review this matter as a criminal issue rather than a merchant dispute and issue a full reversal of all unauthorized charges, fees, and interest. ''

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