Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #7783300
Complaint Overview
Complaint ID: 7783300
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: Texas
ZIP Code: 75074
Date Received: 2023-10-31T12:00:00-05:00
Date Sent to Company: 2023-10-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re-opening CFPB case XXXX which is tied to Wells Fargo case XXXX. On XX/XX/23, I filed a claim with Wells Fargo to dispute fraudulent transactions from XXXX, XXXX. There were 9 transactions in total and the full amount on the claim was {$4400.00}. These transactions appear to have been made on XX/XX/23 and XX/XX/23. The claim closed XX/XX/23 and sided with the businesses. I called the claims department to ask what these transactions were and how they validated they were appropriately authorized. Wells Fargo deemed that these transactions were authorized by stating that, " the card was present and the chip was used. '' Additionally, I was never contacted by Wells Fargo during this investigation period to provide additional evidence or assistance in the claim review process. Transactions : XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$530.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$200.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$420.00} If these claims were authorized by my card then Id like to file this claim as fraudulent charges/transactions rather than unknown transactions. A card being present and chip used is not a sufficient conclusion to a fraudulent transaction as a card can be held by someone else, such as bartender holding on to a card for a tab, for example.
Frequently Asked Questions
What is Complaint #7783300 about?
Complaint #7783300 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 2023-10-31T12:00:00-05:00.
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.