Consumer complaint received 2026-02-23 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: NV

Complaint narrative:
CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU Complaint Reference Number : [ To be assigned by CFPB ] Jurisdiction : XXXX XXXX XXXX I. CONSUMER INFORMATION Full Legal Name : XXXX XXXX XXXX XXXX Information : Wells Fargo debit card ending in XXXX ________________________________________ XXXX. COMPLAINT DETAILS A. Transaction Information Disputed Transaction Amount : Approximately {$400.00} Transaction Date : On or about XX/XX/XXXX Transaction Type : Debit card transaction using Wells Fargo debit card ending in XXXX Merchant/Entity : XXXX * XXXX XXXX Wells Fargo Dispute Reference Number : XXXX Date Dispute Filed with Wells Fargo XXXX XX/XX/XXXX B. Nature of Complaint This complaint is filed pursuant to the Consumer Financial Protection Act of 2010, 12 U.S.C. 5481 et seq., regarding Wells Fargo Banks inadequate dispute resolution timeframe that violates consumer protection standards under the Truth in Lending Act, Fair Credit Reporting Act, and Dodd-Frank Act consumer financial protection mandates. Primary Issue : Wells Fargo Bank is providing an unreasonably short timeframe of only XXXX to XXXX days for consumers to gather and submit required documentation in response to transaction disputes, which is insufficient to allow consumers to exercise their rights under federal consumer protection laws and prepare adequate responses to dispute inquiries. Specific Circumstances : The complainant filed dispute number XXXX with Wells Fargos claims department on XX/XX/XXXX, regarding a debit card transaction of approximately {$400.00} that occurred on or about XX/XX/XXXX, with merchant Allpaid * XXXX XXXX. Wells Fargos standard practice of allowing only XXXX to XXXX days for dispute response documentation is inadequate for the following reasons : XXXX. Legal Consultation Requirements : The nature of this disputed transaction requires consultation with legal counsel regarding potential court proceedings and refund requests, which can not be adequately completed within Wells Fargos abbreviated timeframe. XXXX. Court Filing Documentation : The complainant has paid court filing fees related to this transaction and requires additional time to properly coordinate with court proceedings and gather necessary legal documentation as advised by counsel. XXXX. External Circumstances : During this week, the complainant was involved in a motor vehicle accident during a blizzard, which created unexpected time constraints and prevented normal dispute response activities, further limiting the ability to meet Wells Fargos restrictive timeline. XXXX. Complexity of Documentation : Court filing requirements and legal proceedings related to this transaction require additional documentation time beyond Wells Fargos standard ten to XXXX day period. XXXX Impact on Consumer The insufficient timeframe provided by Wells Fargo has created significant time burden and stress for the complainant, compounded by external circumstances including the motor vehicle accident during severe weather conditions. This abbreviated timeline prevents the complainant from exercising fundamental consumer rights under federal law and obtaining proper legal counsel regarding the disputed transaction and related court proceedings. XXXX Previous Resolution Attempts This Consumer Financial Protection Bureau complaint represents the complainants first formal attempt to address Wells Fargos insufficient dispute response timeframe policy. The complainant has not previously contacted Wells Fargo directly regarding the inadequacy of their dispute timeline procedures, as the issue became apparent only after experiencing the practical impossibility of meeting their abbreviated deadlines while managing legal consultation requirements and external circumstances. XXXX XXXX REQUESTED RESOLUTION A. Primary Relief Sought The complainant respectfully requests that Wells Fargo Bank extend the dispute response timeframe to XXXX ( XXXX ) days to allow adequate time for documentation gathering, legal consultation, coordination with court proceedings, and proper preparation of dispute response materials in accordance with consumer protection standards under 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ) and 12 U.S.C. 5512 ( b ) ( 1 ). B. Written Confirmation Requirement The complainant specifically requests that Wells Fargo provide written confirmation of any timeline extensions or policy changes granted in response to this complaint, to be delivered via mail to ensure formal documentation of their position and any agreements reached through this Consumer Financial Protection Bureau complaint process. XXXX Urgency Classification This complaint is classified as moderately urgent, as the complainant requires the thirty-day extension to properly prepare court documentation and coordinate with ongoing legal proceedings related to the disputed transaction. XXXX XXXX SUPPORTING DOCUMENTATION A. Wells Fargo Dispute Documentation The complainant has documentation of the dispute filing with Wells Fargo XXXX department, including dispute reference number XXXX filed on XX/XX/XXXX, and related account statements showing the disputed transaction with Allpaid * XXXX XXXX. B. Legal Consultation Evidence The complainant has consulted with an attorney regarding how to request a court refund potentially related to this transaction, demonstrating the complexity of the matter and the need for extended documentation time beyond Wells Fargos standard ten to XXXX day period. XXXX XXXX Circumstances Documentation The complainant experienced a motor vehicle accident during a blizzard during the week following the dispute filing, which created unexpected time constraints and prevented normal dispute response activities, further supporting the need for extended documentation time. XXXX XXXXXXXX LEGAL AUTHORITY AND REGULATORY FRAMEWORK This complaint is filed under the authority of the Consumer Financial Protection Act of XXXX, 12 U.S.C. 5481 et seq., which establishes the Consumer Financial Protection Bureaus authority to receive and investigate consumer complaints regarding financial products and services as defined under 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ). The complainants rights are protected under multiple federal consumer protection statutes, including but not limited to : Truth in Lending Act : Providing federal consumer protection framework for credit and debit transactions Fair Credit Reporting Act : Establishing consumer rights in dispute processes Dodd-Frank Act : Mandating comprehensive consumer financial protection standards 12 CFR Chapter X : Consumer Financial Protection Bureau regulations governing financial institution practices Additionally, XXXX state consumer protection laws, including the XXXX Consumer Protection From the Accrual of Predatory Interest After Default Act ( NRS Chapter 97B ) and XXXX XXXX XXXX XXXX XXXX, provide supplementary consumer protection standards applicable to this complaint. XXXX XXXX AUTHORIZATION AND DISCLOSURE ACKNOWLEDGMENTS A. Information Sharing Authorization The complainant hereby authorizes the Consumer Financial Protection Bureau to share complaint information with other relevant federal, state, and local regulatory agencies as appropriate under 12 U.S.C. 5512 ( b ) ( 1 ) and related CFPB regulations, to ensure comprehensive oversight of Wells Fargos dispute resolution practices. B. Communication Preferences The complainant requests that all correspondence regarding this complaint be conducted via written response through mail to ensure formal documentation of Wells Fargos position and any agreements or resolutions reached through this complaint process. C. CFPB Retention and Publication Acknowledgment The complainant acknowledges that the Consumer Financial Protection Bureau maintains a twenty-five ( 25 ) year retention policy for complaint records and may publish complaint information in the Consumer Complaint Database pursuant to CFPB publication requirements, subject to applicable privacy protections and redaction procedures. D. Company Response Timeline The complainant understands that Wells Fargo Bank has XXXX ( XXXX ) days to respond to this complaint pursuant to CFPB regulations governing financial institution response requirements under 12 C.F.R. 1070.5. XXXX XXXX CERTIFICATION AND VERIFICATION The complainant certifies under penalty of perjury that the information provided in this Consumer Financial Protection Bureau complaint is true and accurate to the best of their knowledge and belief. The complainant further certifies that this complaint is filed in good faith and represents a genuine dispute regarding Wells Fargo Banks dispute resolution timeframe practices. The complainant requests that the Consumer Financial Protection Bureau investigate this matter and take appropriate regulatory action to ensure Wells Fargo Bank provides adequate timeframes for consumer dispute responses in compliance with federal consumer protection laws and CFPB regulations. XXXX XXXX. ADDITIONAL INFORMATION A. Supplementary Circumstances The complainant notes that court filing requirements and legal proceedings related to this transaction necessitate additional documentation time beyond Wells Fargos standard dispute response period. The complexity of coordinating legal consultation, court documentation, and dispute response materials requires a reasonable extension to XXXX days to ensure proper exercise of consumer rights under federal law. B. Documentation Limit Compliance This complaint is submitted in compliance with CFPB documentation limits and regulatory requirements governing consumer complaint submissions pursuant to 12 CFR Chapter X. C. Contact Information Updates The complainant agrees to promptly notify the Consumer Financial Protection Bureau of any changes to contact information provided in this complaint to ensure continued communication regarding complaint resolution and Wells Fargos response. XXXX END OF COMPLAINT

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