What was the Wells Fargo credit card scam all about?

The Wells Fargo credit card dispute process allows you to report any discrepancies or errors on your credit card. You can dispute billing errors, inaccurate or unauthorized charges, or fraud. You can initiate a dispute by logging in to Wells Fargo Online and selecting "Account Services". Then, select the "More" menu and choose "Dispute a Transaction". You can also call … read full answer(800) 390-0533 to initiate the process.

Here’s how to dispute a Wells Fargo credit card charge:

• Online: Sign in to Wells Fargo Online and click the “Account Services” tab. Then access the “More” menu and select “Dispute a Transaction”.
• By phone: Simply call Wells Fargo customer service at (800) 390-0533.
• By mail: The address to dispute a charge is:
  Wells Fargo Card Services
  PO Box 51193
  Los Angeles, CA 90051-5493

You should contact Wells Fargo within 60 days from the time you discover an error on your statement. Contact Wells Fargo immediately if you suspect fraudulent activity on your card. Your Wells Fargo credit card comes with offers Zero Liability protection, so you will not be held responsible for any unauthorized or fraudulent charges.

Before disputing a transaction through Wells Fargo, contact the merchant directly to dispute the charge. Merchants have easier access to your purchase information and may be able to resolve your issue quicklier. If the merchant will not work with you, you can file a claim with Wells Fargo.

Provide as much information as you can pertaining to your dispute. Make sure you have any documentation such as a receipt or invoice to substantiate your dispute. Wells Fargo may request copies of supporting documents before they investigate.

In most cases, you should expect a Wells Fargo credit card dispute to be resolved within a couple of weeks from the time you initiate the process. During that time, any questionable charges will typically be removed and you won’t be liable for them while Wells Fargo investigates your dispute. If the disputed charge is deemed valid, you would have to pay that amount, including any applicable fees and interest that accrued during the dispute, starting from the purchase date.

To cancel a credit card transaction, contact either the merchant on the other side of the transaction or the credit card company. Which you should contact first depends on whether or not you think the transaction is fraudulent.

When You Think the Transaction Is Fraudulent:

If you want to cancel a credit card transaction because you think it is fraudulent, the first thing you should do is search online for the name of the biller, as listed on your credit card account. Sometimes, legitimate transactions can lead to false alarms simply because a biller’s corporate name isn’t as recognizable as the brand name a consumer really does intend to pay. If that clears things up in your case, great – crisis averted.… read full answer

However, if you still don’t recognize the details, you should definitely call your credit card’s issuer (the number is listed on the back of your card) to inform them about the unauthorized transaction. Even if the issuer can’t cancel the transaction before it goes through initially, you will not be on the hook for any fraudulent purchases made with your credit card account. All credit cards give users a $0 fraud liability guarantee.

When You Just Want to Cancel the Transaction:

If you know that a credit card transaction is legitimate, but you want to cancel it because you changed your mind or made the purchase by mistake (or any other reason), take your request directly to the merchant the transaction is with. The credit card company won’t be able to do much about a legitimately authorized credit card transaction. They might be able to instruct you on how to cancel future transactions if the card is being used for a subscription or other recurring purchase, but that’s about it.

Your chances of being able to cancel a credit card transaction made online figure to be especially good. Check the merchant's cancellation policy. Some provide a small window in which you can cancel a pending transaction. Just bear in mind that in this situation, an order may show as canceled before the transaction reversal posts to your credit card account.