Credit card -- Problem with a purchase shown on your statement -- Complaint #19182163
Wells Fargo Fails to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19182163
Company: Wells Fargo & Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 92505
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The company's failure to adequately address a disputed charge suggests potential issues with their dispute resolution process, which could impact other consumers facing similar problems.
Consumer Sentiment: negative
Topics: Credit card disputes, Billing errors, Consumer protection
AI Analysis
CFPB complaint 19182163 was filed against WELLS FARGO & COMPANY regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A Wells Fargo credit card customer disputed a purchase on their statement, but the company closed the dispute without a satisfactory resolution. The complaint was received on January 31, 2026 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication and evidence related to a disputed charge and be prepared to escalate the issue if the initial resolution is unsatisfactory.
Legal Context & Consumer Protection Laws
Credit card companies are obligated to investigate disputes according to federal regulations like the Fair Credit Billing Act.
Regulatory Insight
This case highlights the importance of timely and thorough investigation of billing errors and disputes by credit card issuers.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in California, a state with robust consumer protection laws that may offer additional recourse.
Industry Comparison
While many credit card companies strive for efficient dispute resolution, some may fall short, leading to customer dissatisfaction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19182163 about?
CFPB complaint 19182163 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against WELLS FARGO & COMPANY on January 31, 2026.
Which company is complaint 19182163 filed against?
Complaint 19182163 was filed against WELLS FARGO & COMPANY. You can view all complaints against this company on their profile page at /company/wells-fargo-company.
What was the company's response to complaint 19182163?
WELLS FARGO & COMPANY responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19182163 filed?
Complaint 19182163 was received by the CFPB on January 31, 2026. It was sent to WELLS FARGO & COMPANY on February 2, 2026.
What state was complaint 19182163 filed from?
Complaint 19182163 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 19182163?
Dispute information is not available for complaint 19182163.
What product category is complaint 19182163 about?
Complaint 19182163 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19182163 submitted?
Complaint 19182163 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19182163?
Credit card companies are obligated to investigate disputes according to federal regulations like the Fair Credit Billing Act. This relates to a Credit card complaint against WELLS FARGO & COMPANY involving "Problem with a purchase shown on your statement".
How likely is complaint 19182163 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19182163?
This complaint is rated as medium risk. The company's failure to adequately address a disputed charge suggests potential issues with their dispute resolution process, which could impact other consumers facing similar problems.
What regulatory actions apply to complaint 19182163?
This case highlights the importance of timely and thorough investigation of billing errors and disputes by credit card issuers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19182163?
Consumers should meticulously document all communication and evidence related to a disputed charge and be prepared to escalate the issue if the initial resolution is unsatisfactory.
Are there state-specific protections for complaint 19182163?
The consumer is located in California, a state with robust consumer protection laws that may offer additional recourse. This complaint was filed from California.
How does complaint 19182163 compare to industry norms?
While many credit card companies strive for efficient dispute resolution, some may fall short, leading to customer dissatisfaction.
What steps can a consumer take if their credit card dispute is closed without a satisfactory explanation?
A consumer can file a complaint with the CFPB, contact their state's Attorney General, or seek legal counsel to understand their rights and options for further action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.