Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, my wife XXXX XXXX XXXX and I entered into XXXX XXXX contract Order No. XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, New Jersey showroom for a complete kitchen transaction. The transaction was financed through XXXX-branded Wells Fargo retail-services credit cards issued to each of us. The financed transaction included material continuing obligations : a Limited Lifetime Warranty on cabinetry, a XXXX warranty on cabinet doors and hardware, a XXXX warranty on XXXX XXXX, customer remedies ( repair / replacement / refund ), U.S. customer support and warranty administration , and replacement-part availability for XXXX XXXX proprietary cabinetry. On or about XX/XX/XXXX, XXXX publicly announced it had ceased U.S. operations. All 15 U.S. showrooms ( including XXXX XXXX, NJ ) and both Pennsylvania manufacturing facilities have closed. XXXXXXXX XXXX U.S. customer-support and warranty-administration channels are no longer functional. The continuing obligations that were part of the financed bargain are materially impaired or unavailable, and any further attempt at direct merchant resolution is therefore futile. My Wells Fargo account ending XXXX reflects three XXXX-related charges : ( 1 ) {$2800.00} posted on XX/XX/XXXX for the remaining cabinet/appliance balance, with approximately {$2700.00} remaining as of the XX/XX/XXXX statement ; ( 2 ) {$8200.00} posted on XX/XX/XXXX for countertops after they were installed ; and ( 3 ) a separate {$1500.00} charge dated XX/XX/XXXX for a replacement XXXX XXXX ( XXXX XXXX No. XXXX ). The {$1500.00} dishwasher was never delivered or scheduled for delivery ; on information and belief, XXXX XXXX ( XXXXXXXX XXXX appliance distribution partner ) has no record of the order. The dishwasher charge is a billing error within the meaning of 15 U.S.C. 1666 ( b ) ( 3 ) and Regulation Z, 12 C.F.R. 1026.13 ( a ) ( 3 ). On XX/XX/XXXX, I mailed Wells Fargo a formal written FCBA / 15 U.S.C. 1666i claims-and-defenses dispute letter via certified mail with return receipt requested. The letter was sent to Wells Fargo Bank, N.A., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the dispute address printed on the back of my Wells Fargo statement under " What To Do If You Think You Find A Mistake on Your Statement. '' USPS certified-mail tracking numbers for my and my wife 's parallel mailings ( both mailed XX/XX/XXXX to the same Wells Fargo address ) : XXXX and XXXX. Both tracking receipts are uploaded with this complaint along with the signed letter, the Index of Exhibits, and all enclosed exhibits. I am asserting all non-tort claims and defenses against XXXX as a defense to payment of the remaining Wells Fargo balance, including under 15 U.S.C. 1666i and the purchase-rights disclosure on Wells Fargo 's own statement. The statutory prerequisites of 1666i ( a ) are satisfied : each disputed transaction exceeded {$50.00} ; the transactions occurred at XXXXXXXX XXXX XXXXXXXX XXXX, New Jersey showroom, in the same state and within XXXX miles of my XXXX, NJ billing address ; and the XXXX-branded credit card was issued in connection with the XXXX purchase. I am requesting that Wells Fargo : ( a ) discharge or substantially reduce the remaining XXXX-related balance of approximately {$10000.00} on account ending XXXX, reflecting the loss of the financed warranty / repair / replacement / refund / support / parts / service obligations ; ( b ) reverse the separate {$1500.00} dishwasher non-delivery charge as a billing error under 15 U.S.C. 1666 ( b ) ( 3 ) ; ( c ) refrain from debiting any disputed XXXX-related amount via automatic payment while the dispute is pending ; and ( d ) refrain from adverse credit reporting on disputed amounts during the investigation as required by 12 C.F.R. 1026.13 ( d ). My next scheduled auto-pay date is XX/XX/XXXX, which I have asked Wells Fargo not to debit for any disputed XXXX-related portion. My wife XXXX XXXX XXXX is filing a coordinated separate CFPB complaint regarding her own Wells Fargo account ending XXXX, which carries an {$18000.00} remaining balance from a {$20000.00} XXXX charge posted XX/XX/XXXX for the cabinet/appliance portion of the same XXXX Order No. XXXX.

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