Wells Fargo Dispute a Transaction | How to File a Dispute

If you need to dispute a transaction with Wells Fargo, there are a few ways to do it. It’s a good practice to first contact the merchant to try to resolve the issue directly, as this can often be faster.

If that doesn’t work, you can file a dispute with Wells Fargo.

How to File a Dispute

Wells Fargo provides several options for disputing a transaction:

1. Online:

   • Log in to your Wells Fargo Online account.
   • Go to your account activity and find the transaction you want to dispute.
   • Select the transaction and look for an option like “Dispute this transaction.”
   • Follow the prompts to submit your claim and provide details about the issue.

2. Mobile App:

   • Open the Wells Fargo Mobile App and sign in.
   • Tap on the transaction you want to dispute.
   • Select “Dispute this charge” and follow the steps to provide the necessary information.

3. By Phone:

   • For Credit Card Fraud or Disputes: Call 1-800-642-4720. This number is also for reporting a lost or stolen card.
   • For Debit Card Fraud or Disputes: Call the customer service number on the back of your card. For general questions, you can also call 1-800-869-3557.

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Important Things to Know

• Temporary Credit:

  • Wells Fargo may issue a temporary credit to your account for the disputed amount while they investigate the claim.

• Time Limits:

  • It’s crucial to act quickly. The Fair Credit Billing Act (FCBA) gives you 60 days from the date of the statement that contains the error to dispute a credit card charge. For debit cards, you should report the dispute as soon as possible, as the law offers stronger protections the sooner you report it.

• Documentation:

  • Providing supporting evidence can strengthen your case. This can include receipts, emails, or chat records with the merchant, and any other relevant documentation.

• Investigation Process:

  • Once you file a dispute, Wells Fargo will investigate the claim and contact the merchant. The process can take anywhere from a few days to several weeks. You will receive a final resolution letter once the investigation is complete. You can also track the status of your claim online.