Credit card -- Problem with a purchase shown on your statement -- Complaint #19912122
Wells Fargo Credit Card Dispute Unresolved
Complaint Overview
Complaint ID: 19912122
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: Florida
ZIP Code: 32778
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The company's failure to resolve a disputed purchase could indicate systemic issues with their dispute resolution process or a specific failure in this case, potentially leading to further consumer harm or regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Customer service, Fair Credit Billing Act
AI Analysis
CFPB complaint 19912122 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 in Florida is disputing a purchase on their statement, but the company is not resolving the issue. The complaint was received on February 28, 2026 from Florida. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication with their credit card company regarding disputes and consider escalating the complaint if it is not resolved promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Billing Act (FCBA) provides consumers with rights to dispute billing errors, including unauthorized charges or incorrect amounts, and requires credit card companies to investigate and resolve these disputes within a specified timeframe.
Regulatory Insight
This case highlights the importance of timely and effective dispute resolution by credit card issuers, a key area of focus for consumer protection regulators.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, consumers have specific rights regarding credit card disputes, and the state may have additional consumer protection laws that apply.
Industry Comparison
Credit card companies generally have established dispute resolution processes, but the effectiveness and timeliness can vary significantly between institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19912122 about?
CFPB complaint 19912122 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 February 28, 2026.
Which company is complaint 19912122 filed against?
Complaint 19912122 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 19912122?
WELLS FARGO & COMPANY responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19912122 filed?
Complaint 19912122 was received by the CFPB on February 28, 2026. It was sent to WELLS FARGO & COMPANY on March 2, 2026.
What state was complaint 19912122 filed from?
Complaint 19912122 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 19912122?
Dispute information is not available for complaint 19912122.
What product category is complaint 19912122 about?
Complaint 19912122 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 19912122 submitted?
Complaint 19912122 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 19912122?
The Fair Credit Billing Act (FCBA) provides consumers with rights to dispute billing errors, including unauthorized charges or incorrect amounts, and requires credit card companies to investigate and resolve these disputes within a specified timeframe. This relates to a Credit card complaint against WELLS FARGO & COMPANY involving "Problem with a purchase shown on your statement".
How likely is complaint 19912122 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19912122?
This complaint is rated as medium risk. The company's failure to resolve a disputed purchase could indicate systemic issues with their dispute resolution process or a specific failure in this case, potentially leading to further consumer harm or regulatory scrutiny.
What regulatory actions apply to complaint 19912122?
This case highlights the importance of timely and effective dispute resolution by credit card issuers, a key area of focus for consumer protection regulators. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19912122?
Consumers should meticulously document all communication with their credit card company regarding disputes and consider escalating the complaint if it is not resolved promptly.
Are there state-specific protections for complaint 19912122?
In Florida, consumers have specific rights regarding credit card disputes, and the state may have additional consumer protection laws that apply. This complaint was filed from Florida.
How does complaint 19912122 compare to industry norms?
Credit card companies generally have established dispute resolution processes, but the effectiveness and timeliness can vary significantly between institutions.
What are the typical timelines for a credit card company to resolve a purchase dispute under the FCBA?
Under the FCBA, credit card companies generally have two billing cycles, but no more than 90 days, to investigate a dispute and provide a resolution.
What steps can a consumer take if their credit card company fails to resolve a dispute?
If a dispute is not resolved, a consumer can file a complaint with the CFPB, contact their state Attorney General, or seek legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.