Credit card -- Problem when making payments -- Complaint #10903394
Complaint Overview
Complaint ID: 10903394
Company: Wells Fargo & Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Maryland
ZIP Code: 206XX
Date Received: 2024-11-22T12:00:00-05:00
Date Sent to Company: 2024-11-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I submitted an electronic payment for the full statement ( ending XX/XX/XXXX ) balance XXXX - to go through on it's due date of XX/XX/XXXX. On XX/XX/XXXX, a merchant submitted a credit to the account for the amount of XXXX. Wells fargo did no notify me of this credit. On XX/XX/XXXX ( payment due date ), wells fargo notified me that my payment of XXXX was rejected due to it being over the current balance. Because the merchant credit was received after the previous billing cycle, it should have been applied to the next billing cycle. Instead they made it retroactive and canceled a valid payment I had submitted. Luckily I was home and saw the notification that allowed me to submit another payment, but I had only a few hours to do so before I would have been penalized for non-payment. This is completely unfair consumer practice.
Frequently Asked Questions
What is Complaint #10903394 about?
Complaint #10903394 was filed against Wells Fargo & Company regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2024-11-22T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.