How Do I Report Suspicious Charges on My Wells Fargo Account?

Introduction

If you notice a charge on your Wells Fargo account that neither you nor any authorized user of your account made, you should report the charge to the bank. Wells Fargo does not offer any online methods of reporting suspicious or fraudulent activity, preferring that you speak to someone in person about it right away, so you only have a couple of options for making the report.

What You'll Need

Before you report the suspicious activity, you should gather any and all evidence you can find about it, including copies of emails and bank statements.Before taking any steps to report the charge, make sure that it is actually a suspicious charge, and not simply a purchase that you forgot about or a case of accidentally having checked the wrong box and ordered extra features or services you didn't know about.If the transaction you are disputing involves a debit card, the debit card will be locked to prevent any other fraudulent charges from being made. If you request a new card to replace it, you should receive it in 5 to 7 days.Wells Fargo may apply a temporary credit to your account while it is investigating the suspicious charge. If the bank finds against your claim, you will have to pay that temporary credit back.If Wells Fargo finds in your favor, not only will you be reimbursed for the charge, but also for any fees and interest that resulted from it.

Contact the merchant associated with the charge and bring it to their attention.

It is possible that the charge was made in error and that if you inform the merchant about it then they will resolve the matter for you quickly and easily.

Call a Wells Fargo customer service representative and tell them about the suspicious charge.

Wells Fargo customer service
It's best to call during normal business hours, as the customer service representative may need to bring a manager or someone from another department in to handle things, and this is more easily done during normal business hours.
After the call, skip to step 8.
To make your report in person, continue with the next step.

Go to the Wells Fargo branch locator page.

Wells Fargo branch locator page

Enter your city name or ZIP code in the text field under the "Find a Wells Fargo location" header.

Click on the Search button.

Find a convenient Wells Fargo location that you can easily get to.

Go to that location and speak to a Wells Fargo representative about the suspicious charge.

Make sure you bring any proof you have of your claims along with you.

Keep checking your mail, email, and phone for any messages from Wells Fargo.

If they need any additional information from you, you will need to reply as quickly as possible.
Once the bank has finished its investigation, it will send you a letter of resolution, informing you of its decision.

Conclusion

If you have any questions or need any additional help, call a Wells Fargo customer service representative. You can reach one 24 hours a day, 7 days a week.