Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Ongoing Billing Errors at Wells Fargo Duplicate Pending Authorization Holds Not Released, Repeated Regulation E Violations Dear CFPB, I am filing this formal complaint against Wells Fargo Bank, N.A., for persistent billing errors on my checking account ( linked to debit card, opened in XXXX ). Since XX/XX/XXXX, XXXXmy first documented duplicate chargeWells Fargo has repeatedly deducted funds twice on the same transactions : once as pending authorization hold, once when posted. The pending hold never releases, resulting in real double deductions that dont auto-correct. This isnt isolatedits a pattern across multiple claims, with excuses shifting every time, no provisional credit issued, and some disputes denied outright. Ive escalated multiple times, including today to a supervisor, but nothing resolves. Documented Incidents ( Debit Card Purchases ) : XX/XX/XXXX : First duplicatetotal {$45.00} ( initial claim filed same day ; hold posted but extra stayed deducted ). XXXX XXXX XXXX : Three transactions {$7.00} ( XX/XX/XXXX ), {$17.00} ( XX/XX/XXXX ), {$8.00} ( XX/XX/XXXX ) total claim {$34.00}. Claim ref : XXXX. Pending showed, posted, but funds left twice. XX/XX/XXXX : Two transactionstotal {$36.00}. Hold authorized, posted, extra vanishedno reversal. Recent ( last week, around XXXX XXXX XXXX ) : XXXX {$8.00} ( XXXX ), XXXX {$14.00} ( XXXX ), XXXX {$23.00} ( XXXX ) total claim {$45.00}. Claim ref : XXXX. Money deducted on auth, again on post. Today, XX/XX/XXXX : XXXX XXXX {$24.00} ( auth XXXX, posted today ), XXXX {$12.00} ( XXXX, posted today ), XXXX {$32.00} ( XXXX, auth/hold XXXX ) total {$77.00}. Claim refs : XXXX ( XXXX separate ), XXXX ( others ). Funds left on auth dates ( I remember clearlychecked balance before/after every purchase, no matter how small ), then again on post. XXXX {$77.00} still missing. Total from these claims alone : {$230.00}. But this understates itIve had many more instances ( some filed as unknown transaction instead of duplicate, others I skipped due to hassle ). Denials happened toono refunds. Overall, Ive lost at least {$400000.00} across this nightmare since early XXXX. I call immediately on spotting issuesaround 34 times per claim because reps dont know rules. Excuses Theyve Given ( Inconsistent & False ) : Credit leaves account on purchase, posts laterdoesnt come back. ( Last Thursday morning callwhen I asked if money returns, they said no. ) Weekend purchases post after weekendcauses delay. ( Todays supervisor. ) Thats just how it worksyoure confused. ( Multiple reps. ) Pending drops automaticallybut it doesnt ; balance shows permanent double hit. I always monitor : Check available/current balance pre- and post-purchase. Differences match exactlymoney gone twice. Per Regulation E ( 1005.11 ), banks must investigate billing errors ( like duplicate holds ) within 10 business days and provide provisional credit if unresolved. Theyve violated this repeatedlyno credit issued, claims drag, escalations ignored. Ive filed multiple claims ( three open now ), spoken to supervisors todayno fix. This forces hardshipmoney I cant afford to lose. Ill close my account soon but need redress first : full refunds, provisional credits, investigation into systemic glitch. Please compel Wells Fargo to complyreverse all duplicates, credit me immediately, and prevent recurrence. Include claim refs above ; happy to provide statements.

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