Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Product : Credit Card Issue : Billing dispute / Incorrect charge Company : Wells Fargo Bank , N.A . Wells Fargo / XXXX XXXX XXXX ending XXXX Disputed Transaction ID XXXX I am filing a complaint regarding Wells Fargos handling of a billing dispute involving an incorrect charge that the merchant has explicitly acknowledged and authorized for a full refund. On XX/XX/XXXX, I made a purchase for shoes through XXXX in the expected amount of {$84.00}. However, my Wells Fargo credit card was charged {$120.00} due to a system error on the merchants side. On XX/XX/XXXX, the merchant sent me a written communication confirming : - The charge amount was incorrect due to a system error - They take full responsibility for the error - They are offering a full refund for the transaction - They are unable to process the refund directly and instructed me to initiate a dispute/chargeback through my payment provider so the full amount could be returned I followed these instructions and filed a dispute with Wells Fargo XXXX Despite providing this documentation, Wells Fargo denied my claim multiple times ( XX/XX/XXXX ; XX/XX/XXXX ; and again after follow-up in XX/XX/XXXX ), stating only that the item was delivered. This reasoning does not address the actual nature of the dispute. My claim is not based on non-delivery or dissatisfaction with the product. It is a billing error involving an incorrect amount, which the merchant has explicitly admitted and authorized to be refunded. Wells Fargo has failed to : - Properly consider and evaluate the merchants written admission of error - Address the core issue of an incorrect charge- Conduct a reasonable investigation based on all relevant evidence Instead, they appear to have relied solely on confirmation of delivery, which is not relevant to the billing error dispute. -- - # # # Desired Resolution : I am requesting that Wells Fargo : 1. Reopen and properly investigate this dispute at a higher level 2. Acknowledge the merchants written admission of error and authorization of a refund 3. Issue a full credit of {$120.00} to my account for the incorrect charge -- - # # # Supporting Documents : - Merchant email dated XX/XX/XXXX confirming system error and authorizing full refund - Original order confirmation showing expected charge of {$84.00} - Credit card statement showing actual charge of {$120.00} - Wells Fargo denial letters dated XX/XX/XXXX and XX/XX/XXXX - Follow-up correspondence with Wells Fargo -- - I have made multiple good-faith attempts to resolve this matter directly with Wells Fargo but have not received a meaningful response addressing the core issue. I am requesting regulatory assistance to ensure a fair and proper resolution. Insurance companies and Big Banks are taking advantage of Consumer 's situation with little recourse to deny and object to even minor claims since they seem well protected and there seems no end to this greed by the companies to enrich themselves on the backs of citizens. Look forward to agencies such as yours to protect ordinary citizens from the predatory hands of these selfish companies who seem to feel that if you deny a claim often enough no one is going to fight and they keep making more profits!! Thank you.

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