How to Dispute a Wells Fargo Charge in 6 Steps (2024)

To dispute a Wells Fargo charge, log in to your Wells Fargo account and search for the transaction to dispute, or call Wells Fargo customer service at 1 (800) 390-0533. Alternatively, the address to dispute a charge by mail is:

Wells Fargo Card Services
PO Box 51193
Los Angeles, CA 90051-5493

Wells Fargo disputes are typically resolved within 10 business days, though more complex issues may take a little longer.

How to Dispute a Charge on a Wells Fargo Card Online

1. Log in to your online account.
2. Click the "Acount Services" tab.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Dispute a Transaction" to open an inquiry.
6. Check for a confirmation e-mail from Wells Fargo verifying receipt of the inquiry.

Before you dispute a charge through Wells Fargo, you should first contact the merchant associated with the charge on your Wells Fargo card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Wells Fargo.

Once you’ve initiated the dispute, Wells Fargo will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Wells Fargo card as you normally would while a dispute is ongoing.

Wells Fargo will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accumulated during the dispute, starting from the original purchase date.