Consumer complaint received 2026-03-31 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: SC

Complaint narrative:
I am disputing one or more transactions on my Wells Fargo debit card that resulted from a deceptive and/or scam situation. While I may have provided my card information, I did so under false pretenses and did not knowingly or meaningfully authorize the charges. Wells Fargo denied my claim two times, despite shared evidence, on the basis that I provided my card information. However, this alone does not establish valid authorization, particularly where the transaction occurred in a deceptive context. I reported the issue to Wells Fargo promptly and attempted to resolve the matter directly. Despite this, my claim was denied two times without what appears to be a full consideration of the surrounding circumstances, including the deceptive nature of the transaction. Providing card information under fraudulent or misleading conditions should not be treated as valid authorization under applicable consumer protection standards. I am concerned that Wells Fargo 's investigation did not adequately evaluate whether the transaction was truly authorized. In addition, I found the name of the fraudulent company and researched on XXXX- they have a XXXX and are not licensed. The worst part of this entire situation - I recommended my elderly parents who were also scammed and customers of Wells Fargo and also denied. I will help them file their own CFPB complaint. Timeline of events XXXX - Individual ( now know this person is a scammer ) posted on community facebook page offering a discounted group rate on air duct cleaning. Scammer provided company name ( I have evidence ). I researched the company which is reputable. 3.2 - Received a message from scheduler representing legitimate company ( have evidence ) with a quote of {$400.00} for discounted rate. I also referred my elderly parents ( my parents will also submit a complaint ) 3.6 - Service date. " Technician '' claimed my air ducts were in bad shape and also shared a photo of a rodent in my furnace. " Technician '' asserted I needed a lot of work and sanitation services and price changed to {$1900.00}. I didn't question since the photo of the rodent terrified me and I had never had my air ducts cleaned. The " technical '' did not use the appropriate equipment or wear protective clothing nor is this fraudulent company licensed. I paid the " technician '' under false pretenses - the " technician '' and others held themselves out as representing a legitimate air duct cleaning service and are not employed by legitimate air duct cleaning service. These scammers created a fraudulent company who are not licensed ( see below ). Wells Fargo Claim Numbers XXXX XXXX XXXX XXXX - Service at my parents house - same situation. XXXX - My mother contacted the Air Duct cleaning company and was told they have no record of my parents or me and never did work in my home. This company came to my home under the name of a legitimate company and pretended to do work in our homes. XXXX. Filed a police report ( unable to upload but can share under separate cover ) XXXX Filed a dispute with Wells Fargo and was told I would get my money back XXXX - Found the fraudulent company on XXXX with an alert and F rating - they are not licensed XXXX or XXXX ( approximately ) - Filed a report with the FBI XXXX - Received a provisional credit for claim in the amount of {$1900.00} XXXX - Received notice that claim was denied since I authorized the transaction XXXX - Called Wells Fargo and customer service representative directed to file another claim which we did XXXX - Called Wells Fargo for a status and was told claim was denied ( again ) since I gave my debit card and authorized the transaction. In fact, I was informed by this customer service representative, that this transaction was not fraudulent. I am requesting that the CFCP review this complaint ( I can provide all supporting evidence - I have a lot ) and support my claim to Wells Fargo about the deceptive and fraudulent nature of this transaction. I am the victim here and Wells Fargo has created a narrative that I am to blame since I gave my debit card to pay for services that I question happened under the false pretense of a reputable company. Further to add, I have the name of the false company and checked on XXXX and they have a F rating and are not licensed.

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