Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #13956026
Complaint Overview
Complaint ID: 13956026
Company: Wells Fargo & Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: North Carolina
ZIP Code: 27407
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint against Wells Fargo regarding two separate fraud claims on my account, both involving unauthorized transactions on the same debit card ending in XXXX. The bank has been inconsistent in handling these claims, approving past similar disputes while denying recent ones without sufficient explanation. Claim # XXXX ( Denied on XX/XX/XXXX ) This claim included multiple unauthorized charges between XX/XX/XXXX and XX/XX/XXXX, such as : {$30.00} at XXXX XXXX ( XX/XX/XXXX ) {$50.00} at XXXX XXXX ( XX/XX/XXXX ) {$50.00} at XXXX ( XX/XX/XXXX ) {$5.00} and {$3.00} at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) {$10.00} at XXXX ( XX/XX/XXXX ) {$29.00} at XXXX ( XX/XX/XXXX ) These transactions were not authorized by me. I promptly reported them through the Wells Fargo mobile app. Wells Fargo reviewed and denied the claim, closing it on XX/XX/XXXXXXXX No clear explanation was provided beyond a generic message stating the review was complete. Claim # XXXX ( Also Denied, on XX/XX/XXXX ) This claim involved similarly unauthorized transactions on the same card, including : {$100.00} at XXXX XXXX XXXX ( XX/XX/XXXX ) {$43.00} at XXXX ( XX/XX/XXXX ) Totaling {$150.00} Again, these were reported promptly and later denied, despite their close proximity in date, type, and pattern to the other charges listed above. Concern Wells Fargo has previously reimbursed similar fraudulent activity on this same card, yet is now inconsistently denying claims for nearly identical cases. The denials appear arbitrary, and I do not believe a full or fair investigation was completed. This raises concern that my rights under the Electronic Fund Transfer Act ( Regulation E ) have not been honored.
Frequently Asked Questions
What is Complaint #13956026 about?
Complaint #13956026 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-06-07T12:00:00-05:00.
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 (Checking or savings account) 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.