Checking or savings account -- Managing an account -- Complaint #18233676
Complaint Overview
Complaint ID: 18233676
Company: Wells Fargo & Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Georgia
ZIP Code: 30019
Date Received: 2025-12-22T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I authorized a debit card transaction in the amount of {$5700.00} with a used motor vehicle dealer operating as XXXX XXXX XXXX. I authorized the charge based on representations made by the dealer regarding the condition and functionality of the vehicle being sold. After the transaction, it became clear that the vehicle did not function as represented. This was not a matter of buyers remorse. The transaction was induced by false representations, and the dealer failed to deliver a working vehicle consistent with those representations. I attempted to resolve the issue directly with the dealer, but the dealer refused to remedy the issue or issue a refund. I then disputed the transaction with my bank, Wells Fargo Bank , N.A . Wells Fargo provisionally credited my account on XX/XX/year>. On XX/XX/year>, Wells Fargo denied the dispute solely because I could not provide a refund acknowledgment, credit voucher, or voided transaction receipt. The dealer never issued a refund, and therefore such documentation does not exist. Denying a dispute based solely on the absence of documentation controlled by the merchant does not reflect a reasonable investigation of misrepresentation or failure to deliver goods. I am requesting regulatory review of Wells Fargos handling of this debit card dispute and its compliance with applicable consumer protection requirements.
Frequently Asked Questions
What is Complaint #18233676 about?
Complaint #18233676 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-22T12:00:00-05:00.
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 (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.