Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding the way Wells Fargo handled several dispute claims on my account, as well as their decision to close my account due to the number of disputes filed. Whenever I file a dispute, I first contact the merchant or restaurant directly to attempt to resolve the issue. If the issue is not resolved, I then contact Wells Fargo to open a dispute. I keep documentation and evidence for every claim I file, including photos, receipts, and communications with the merchant. I also always inform Wells Fargo representatives that I can provide additional evidence if needed. However, on multiple occasions, Wells Fargo representatives entered incorrect reasons for the disputes, which resulted in my claims being declined even though I had valid evidence supporting them. For example : XXXX XXXX I returned an item to XXXX and did not receive my refund for almost XX/XX/XXXX days. I contacted Wells Fargo to file a dispute. However, the representative entered the wrong dispute reason, which caused the claim to be declined. After that, I received only a partial refund, and I still have proof that I did not receive the full refund. XXXX / XXXX Order In another case, I ordered food through XXXX from XXXX and received raw meat, poor-quality food, and a missing drink. I have pictures documenting the issue. I contacted XXXX first but did not receive proper assistance, so I contacted Wells Fargo to open a dispute. Unfortunately, the representative again entered the incorrect dispute reason, stating that I did not receive the order, when in fact the issue was defective or poor-quality food and missing items. This incorrect information caused the dispute to be mishandled. I also want to clarify that in some cases when a merchant eventually refunded me directly after I filed a dispute, I contacted Wells Fargo and requested that the dispute be removed or closed, because I had already received my money back from the merchant. I made these requests during the daytime when I called Wells Fargo customer service, as I wanted to ensure the claim was resolved correctly and not counted against my account unnecessarily. Despite my efforts to correct disputes and close them once refunds were received, Wells Fargo informed me that my account would be closed due to the number of disputes filed. I believe this decision is unfair because : Many disputes were filed due to legitimate issues with merchants. Some disputes were incorrectly documented by Wells Fargo representatives. I actively contacted Wells Fargo to close disputes once refunds were received from merchants. I have proof and documentation for every claim filed. I am requesting that Wells Fargo : XXXX Review the disputes that were incorrectly documented by representatives. XXXX. Correct the dispute reasons where errors were made. XXXX Review my account closure decision in light of the circumstances. XXXX. Allow me to provide the evidence I have for each claim.

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