Consumer complaint received 2026-04-16 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: NY

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . ( account ending XXXX ) regarding : ( 1 ) an unlawful representment that reversed a completed ACH dispute ruling ; ( 2 ) improper credit reporting during an active dispute; and ( 3 ) total stonewalling after four months of documented attempts to resolve. BACKGROUND : In early XXXX, Wells Fargo ended its partnership with XXXX XXXX and converted my XXXX XXXX ( account ending XXXX ) to a Wells Fargo XXXX XXXX ( account ending XXXX ) on XX/XX/XXXX. During this transition, I was charged twice for the same XX/XX/XXXX rent payment of {$4300.00} once through XXXXXXXX XXXX new system on XX/XX/XXXX, and again as an outstanding balance on the new Wells Fargo XXXX account. Both charges cleared through my XXXX checking account ( ending XXXX ) on XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX FINAL RULING IN MY FAVOR : XXXX XXXX investigated and issued a FINAL ACH dispute credit of {$4300.00} on XX/XX/XXXX. Their written letter explicitly states : " Our dispute investigation is complete, and your account has been credited. '' This was a final determination, not provisional. Reference number : XXXX. WELLS FARGO 'S REPRESENTMENT : Wells Fargo reversed XXXXXXXX XXXX final ruling by filing a representment. They subsequently collected {$4400.00} ( the disputed {$4300.00} plus {$84.00} in interest they had accrued on the balance during the investigation ) via automatic payment from my XXXX account on XXXX XXXX XXXX. At no point did Wells Fargo provide any documentation proving the charge was not a duplicate. When I asked what documentation supported the representment, they could not provide it. NEW EVIDENCE BILT PAYMENT HISTORY : On XX/XX/XXXX, I obtained XXXXXXXX XXXX complete payment history report covering XX/XX/XXXX through XX/XX/XXXX. It confirms that every single month shows exactly one large rent payment except the XXXX XXXX transition window, which shows two charges of {$4300.00}. This is documentary proof of a duplicate. The XXXX system transaction ID for the XX/XX/XXXX charge is : XXXX. A XXXX email timestamped XX/XX/XXXX, XXXX XXXX confirms XXXX itself initiated this payment. IMPROPER CREDIT REPORTING : On XX/XX/XXXX the same day Wells Fargo sent me a case response letter they updated my XXXX credit file to show a {$4400.00} balance as a " Current Account '' with no dispute notation. At this time, both a prior CFPB complaint and an OCC complaint were already on file. Under the FCRA, furnishers are required to note disputed accounts. Wells Fargo reported this balance as undisputed while regulatory complaints were active. FAILED RESOLUTION ATTEMPTS : I have spent in excess of 30 hours attempting to resolve this with Wells Fargo. On XX/XX/XXXX today I reached the highest-level representative available in the XXXX Complaints Management Office , described to me as the person who handles escalated cases with open regulatory complaints. She was unable to provide any status, any documentation, or any path to resolution. Wells Fargo 's own stated resolution deadline is XX/XX/XXXX 5 days from now. WHAT I AM REQUESTING : 1. Full refund of {$4400.00} collected via the XXXX XXXX representment, including the {$84.00} in interest charged on a disputed balance. 2. Correction of the XXXX credit reporting to remove the improperly reported balance. 3. Written documentation from Wells Fargo of what evidence, if any, justified the representment. Wells Fargo case numbers : XXXX ( Case 1 ) and XXXX ( active ). WF reference : XXXX. Prior CFPB complaint and OCC complaint ( XXXX ) already on file.

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