Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I am submitting this complaint as a Wells Fargo personal checking account holder who has experienced ongoing unauthorized charges, totaling {$1700.00} across XXXX transactions, from a merchant listed as " XXXX XXXX XXXX XXXX '' a billing descriptor typically associated with XXXX XXXX. These fraudulent transactions began in XXXX and have continued into XXXX, despite my attempts to resolve the issue through Wells Fargo 's fraud claim process and by replacing my debit card. I believe Wells Fargo has failed to protect my account, investigate my claims properly, or provide a transparent resolution process. 

Details : Nature of the Fraud : Beginning in XXXX, my Wells Fargo account was charged by a merchant listed as " XXXX XXXX XXXX XXXX  '', a descriptor often associated with XXXX XXXX. However, I did not authorize any of the XXXX transactions tied to this merchant. The total fraudulent charges amount to {$1700.00}. I am not an XXXX customer associated with these charges, nor did I initiate any purchases linked to those transactions. 

Card Replacement Ineffective : In response to the suspicious activity, I requested and received a replacement debit card, expecting this would stop the charges. However, the fraudulent activity continued even after the card number was changed, suggesting the charges XXXX be recurring or tied to a compromised XXXXXXXX XXXX or billing agreement. Despite the change, charges from " XXXX XXXX XXXX XXXX  '' continued to hit my new card, which indicates XXXX XXXX systems failed to block or flag continued fraudulent activity tied to a previously reported issue. 

Claims Process Through Wells Fargo : I submitted XXXX fraud claims over the phone with Wells Fargo in an effort to recover the stolen funds and stop the fraudulent charges. Shortly after submission, I received emails stating my claims had been closed, with no explanation, no ability to track the case status, and no justification for denial or resolution. The lack of transparency or customer recourse is deeply concerning, especially considering the significant financial impact. 

Relevant Online Reports : Upon further research, I found that many consumers have reported similar fraudulent charges from " XXXX XXXX XXXX XXXX '', as evidenced in this XXXX XXXX  discussion thread : XXXX XXXX Community - XXXX XXXX XXXX XXXX Unauthorized Charges. 
In that thread, multiple individuals report fraudulent XXXX charges using the same merchant description, which occur even after debit card replacements and despite having no XXXX subscriptions or purchases linked to their cards. 

XXXX Role : XXXX appears to have limited ability or willingness to investigate transactions without an XXXXXXXX XXXX tied to the charge. Consumers like myselfwho are not XXXX customers in this contextare left in limbo between their bank and XXXX. This leaves Wells Fargo as the sole party responsible for investigating the claim and protecting the customer, yet they are failing to do so.

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