Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> through XX/XX/XXXX, XXXX I attended an online presentation with XXXX XXXX as he advertised on XXXX on an ad geared towards XXXX  and claimed to be the CEO of the XXXX XXXXXXXX XXXX his church at XXXX XXXXXXXX XXXX 

XX/XX/XXXX, XXXX XXXX mentioned during his online presentation that there were only a few spots available for his university through his church XXXX XXXX XXXX for the XXXX XXXX XXXX And anybody that purchased and registered with the online course would receive the course along with a bonus call with him. 

XX/XX/XXXX, XXXX purchased the online course. The original down payment was {$3000.00} and because I did not have the full amount of {$13000.00}, they informed me they do in-house financing and no credit check is required. They offered XXXX months of financing with {$250.00} per month payment so my first monthly payment with the down payment came to a total of {$3200.00}. I completed the application and sent them payment and I never received a copy of the contract and I never received the bonus call that I was promised. 

XX/XX/XXXX, XXXX something personal within my family occurred, and I was going to require traveling, which would put me in a hardship at this point with my family because I no longer have the money and I would not have time to take the course. Plus I never received my contract and I had questions and I wanted a refund. So I attempted to send an email as my first point of contact, which is a written request for a refund for the course. I did not even access the course or push play on anything. I only created a login email and password. The password was saved to my XXXX account XX/XX/XXXX, XXXX I still have not heard back from XXXX XXXX or anybody at the company. So I attempted to call them and left a voicemail and then sent a text and another email. This time, I received a reply directly from my email from XXXX XXXX that he responded to the original email and to check my spam folder. I checked my spam folder and found an email from XXXX XXXX with no subject in the subject line and it basically declined to refund me as there are no refunds for his course. 

XX/XX/XXXX, XXXX proceeded to call Wells Fargo and open a claim through Wells Fargo for {$3200.00} for services that I have not received and Wells Fargo opened the claim. 

XX/XX/XXXX, XXXX XXXX issued me a provisional credit of {$3200.00} XX/XX/XXXX, XXXX XXXX denied my claim stating that the transaction was authorized, and there was no processing error and that they would be reversing the provisional credit. 

XX/XX/XXXX, XXXX filed an appeal with Wells Fargo claims that any legitimate company would offer a refund. And I wish to escalate this and appeal it. 

XX/XX/XXXX, XXXX XXXX issued another provisional credit of {$3200.00} XX/XX/XXXX, XXXX-I called Wells Fargo claims to check the status and spoke with someone that stated that the claim is going to be denied again and that on the XXXX they were going to reverse the provisional credit and that I would be receiving a letter with their decision of denial I received the letter which states again that they have determined that the transaction was authorized and there was no processing error as a result. The provisional credit will be reversed and deducted from my account on XX/XX/year>. 

XX/XX/XXXX XXXX speaking with the claims department I requested the XXXX office number to escalate this, and I called and spoke with somebody by the name of XXXX at XXXX XXXX and she told me that it was denied, and there was no nothing further that they could do unless I have more evidence. So I hung up the phone with her and I went and researched this organization, XXXX XXXX at XXXX XXXX XXXX and the XXXX XXXX. His website is XXXX  and the churches website is XXXX XXXX  XXXX XXXX XXXX searched where XXXX XXXXXXXX XXXX was located on their website. It states XXXX XXXX XXXX XXXX, XXXX, TN XXXX.. I then proceeded to go to the XXXX XXXX XXXX and type in that same address with no search results. I then tried to search XXXX XXXX  XXXX and it came up with a different search result for XXXXXXXX XXXX XXXX of XXXXXXXX XXXX XXXX in XXXX Georgia not sure if thats the same place so I continue my search because XXXX determined to file a complaint with a XXXX XXXX XXXX Then I searched XXXX XXXX in XXXX TN and came up with no search results. Then I searched XXXX XXXXXXXX in XXXX, TN with no results. Then I searched the XXXX XXXX in XXXX, TN and of course that showed a bunch of different XXXX  companies but nothing specific to him. Then I searched XXXX XXXX XXXX XXXX and a search result for XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX came up. Im not sure if this is the same company that he was advertising for XXXX, Tennessee. But at this point I feel like I am being fully scammed and there are many many many people that are going through the same thing and he is just siphoning money illegally and scamming people for thousands if not millions of dollars. The fact that I could not even reach somebody on the phone, get a copy of my contract and when Wells Fargo told me that they received a response from him stating I could still access my course and I tried to access my course my password doesnt even work anymore for the course so they removed my account or somebody went into my account and was waiting for me to change my password so they can. I dont know somehow get access to my stuff. I do not feel that I should be responsible for this. That is why I escalating this. 

XX/XX/XXXX, XXXX have escalated this through the executive office of Wells Fargo 3 times now and they just denied me a 3rd time. Yesterday I started a small claims case against XXXX XXXX XXXX with XXXX XXXX, but I feel like Wells Fargo needs to be held responsible also for their actions. I almost feel like Wells Fargo is trying to cover up something with XXXX XXXX XXXXXXXX. Like they are connected somehow.

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