Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6088468

Complaint Overview

Complaint ID: 6088468

Company: Wells Fargo & Company

Product: Credit card or prepaid 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: Georgia

ZIP Code: 30263

Date Received: 2022-10-14T12:00:00-05:00

Date Sent to Company: 2022-10-14T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

Wells Fargo sent me 3 Super Checks in XX/XX/XXXX. All the checks have cleared their ACH and was posted to every account that I submitted them to. Wells Fargo has contacted all the depositors and took the money back. These were no longer checks since they were now credited to my XXXX Credit Card as a payoff and XXXX XXXX as a payoff in which both accounts should have been zero balance and The XXXX XXXX should have closed the account because it was paid in full. two days later The XXXX XXXX took the payment off. The account was paid in full on XXXX XXXX and they took the payment off the account on XXXX XXXX with no notification nor permission. As for what they have done is took their money and gave it to Wells Fargo because my account was paid in full, which means it was closed and i owe nothing to XXXX XXXX nor XXXX because both checks cleared. XXXX XXXX XXXX stole my {$6000.00} out of my account also. they need to replace it back immediately. they did not have my permission to go into my account in XX/XX/XXXX and touch nor take my money for themselves and no one else unless there was a court order sign by a judge. I requested to see the court order. they did not have one. they rob me. I have been contacting the bank and going in person since XXXX XXXX trying to get the front and back copy of all 3 checks. # XXXX and XXXX every wells fargo employees in escalation, credit card and customers service departments have all stated they do not see those checks to send me the copies. I am entitled to the checks and a written reason why Wells Fargo took back the money from the merchants without notifying me the first party. The Insufficient Funds that XXXX XXXX stated that customer service will deposit into my checking account has not been done yet. this was to be done in XXXX. I need answers to all the discrepancy that Wells Fargo has done from XX/XX/XXXX to present. NO RESOLUTION. By the way XXXX XXXX has their XXXX Account with Wells Fargo, this is the reason they reverse the paid in full payment off the account and open the account back open and then make the check as an insufficient fund check although the account had been paid in full as cash which ended my obligation to this entity. since this company enjoy violating customers rights itis only fair, they suffer their consequences for favoritism. XXXX XXXX should have done the right thing and told Wells Fargo if they have a issue with the customer, they have to settle it with her. the account is closed, and they do not have authorization to reverse the money off the account unless the customer is here in person with proper identification to prove her identity. this is the only time we can reverse cask payment because the cash hit the account on the XXXX, and you come on the XXXX which is to late for the payment to be reverse. you see ACH can not take a cleared check and put it back through, this is exactly what these two banks are trying to tell us. except i know better. the only check goes back through is the ones that is rejected. this one did not, the cash was made available on the same day because the company deal with the same bank. If The XXXX XXXX has a Lock Box, the check clear immediately and I think they do and if not, the check was presented and cleared and Wells Fargo and XXXX Know this is exactly what happen.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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