Understanding the claims process
To help you understand what you can expect, we are providing information on how we process your dispute. Please continue to monitor your account and contact us immediately if you identify any additional transactions that we should add to your claim.
Important information
Within 10 business days, your claim will be resolved or your account will receive a temporary credit if additional investigation is needed. We will also reverse related fees and adjust interest as applicable, if temporary credit is issued or upon the resolution of your claim.
Status of your claim
If we need more information, a claims specialist may contact you. Please keep the claim number for your records. You can view the status of your claim by signing on to Wells Fargo Online®. When we complete our research, you will receive a final resolution letter.
What you can expect if your claim involves an unauthorized transaction with your ATM/ debit card
- If the transaction involves a debit card, your card will be closed to prevent additional unauthorized usage; therefore, you can no longer use that card to make transactions.
- You should receive a new card, if requested, within 5 to 7 calendar days.
- To help avoid interruption in any one-time or recurring payments you have scheduled for your debit card, please give your new card information to companies you have authorized to directly bill your card.
- If you added your debit card to a digital wallet and the digital wallet transactions are associated with fraudulent transactions, you should remove the card from the digital wallet immediately.
What will happen when your claim is resolved
- When we complete our research, you will receive a final resolution letter.
- When the claim is decided in your favor, any previous temporary credit will remain in your account permanently. In addition, any associated fees assessed to the account will be refunded once the claim is settled, if applicable.
Safeguarding your information
- Change your PIN at least every 6 months to help protect your account, and immediately change your PIN anytime you suspect it has been compromised. If you have forgotten your PIN or want a new one, visit your nearest Wells Fargo branch.
- When selecting your PIN, don't use any word or number that can be found in your wallet, such as your birth date, name, or address.
- Memorize your PIN. Don't write it down anywhere, especially on your card, and never share it with anyone.
- If you are at an ATM, ensure no one sees you enter your PIN. Print or email your ATM receipt or securely dispose of it. If you print it, be sure to remove your receipt from the ATM.
- Don't give your card number via email or over the phone, unless you initiated the call. Use only legitimate phone numbers to contact Wells Fargo – such as contact phone numbers found on the company's website; your bank statements; and those listed on your ATM, debit, or credit card.
- Look for secure transaction indicators before you shop or bank online, like “https” in the address bar when you shop online or a lock symbol in the lower right-hand corner of your browser.
- After you make a purchase or payment using your card, sign off from the site and close your browser to prevent unauthorized account access.
- Don't let others use your personal computer. Always password-protect your computer.
- Whenever you leave your computer, sign off or lock your workstation.
- Change your passwords regularly. Use combinations of letters, numbers, and special characters such as # and @. Don't use your Wells Fargo Online username and password for other online accounts or activities.
- Don't write down, store, or give your passwords to anyone. However, if you must write down your passwords, don't store them in an easy–to–find place and be sure to store them separately from your credit card, debit card, or ATM card.
- If you notice suspicious activity in your accounts, report it immediately.
- Install a personal firewall on your computer, and keep anti-virus software definitions updated.
- Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders. Learn more about fraudulent emails. Ensure your computer operating system, software, browser version, and plug-ins are kept up to date. Before downloading any update to your computer program, first go to the company's website to confirm the update is legitimate.
Questions?
If you have questions regarding a claim involving your debit card, please call us at one of the following numbers:
- For transactions you authorized by providing your signature, Visa® card purchases, or unauthorized transactions, please call us at 1-800-548-9554, Monday – Friday, from 7:00 am – 12:00 am Eastern Time.
- For ATM transactions and PIN-based purchases that are not fraudulent, call us at 1-877-230-8708 Option #3, Monday – Friday, 7:00 am – 7:00 pm Eastern Time.
- For any other type of dispute, please call 1-800-TO-WELLS (1-800-869-3557).
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
QSR-06142025-6154459.1.2
LRC-1223
FAQs
You can view the status of your claim by signing on to Wells Fargo Online®. When we complete our research, you will receive a final resolution letter.
What to do if Wells Fargo denies your claim? ›
If you choose to submit your appeal request in writing (via fax or mail), you can either use this appeal request form or write a letter of your own that explains the reason you believe our decision is incorrect. Include any additional information or documents that may help us review your appeal.
How do I find out if Wells Fargo owes me money in settlement? ›
If, for whatever reason, you believe you're owed money and the bank has not yet made contact, you may call Wells Fargo at 844-484-5089, Monday through Friday, from 9 a.m. to 6 p.m. Eastern time.
How do disputes work with Wells Fargo? ›
Disputes typically start when a bank customer sees what they believe is an inaccurate transaction on their Wells Fargo bank statement. At that point, they should contact the merchant to resolve the issue. If that doesn't work, however, the cardholder can call Wells Fargo and dispute the sale.
What does it mean when your Wells Fargo application status says processing? ›
“Processing” could mean that they are still interviewing candidates, or that they have finished interviewing and have to make a decision yet. Processing could also include time for a background check. It probably means that you have not been eliminated yet, but also that you do not have the job yet.
Does Wells Fargo approve immediately? ›
Once you apply online you will receive an application ID and a phone number you may call to check the status of your application if you are not instantly approved. If you are not instantly approved, we will mail you a credit decision within 5 to 7 business days.
What is a typical reason for a denied claim? ›
The claim has missing or incorrect information.
Whether by accident or intentionally, medical billing and coding errors are common reasons that claims are rejected or denied. Information may be incorrect, incomplete or missing. You will need to check your billing statement and EOB very carefully.
Why do claims get rejected? ›
A claim rejection occurs before the claim is processed and most often results from incorrect data. Conversely, a claim denial applies to a claim that has been processed and found to be unpayable.
Does Wells Fargo investigate disputes? ›
A customer disputes a transaction – When customers are dissatisfied with a purchase they made using their credit card, they can file a chargeback dispute with their bank. Wells Fargo investigates the dispute – Wells Fargo will then investigate the dispute and determine whether to accept or reject the chargeback claim.
How much will each person get from Wells Fargo settlement? ›
For automobile repossessions, compensation is “at least,” but is not limited to, $4,000. For mortgage holders that were unable to modify their mortgages to avoid foreclosure, damages average $24,125 per claimant. For deposit accounts, customers average $100 in damages.
The amount that each harmed consumer will get (or already got) depends on the specifics. For customers whose vehicles were wrongly repossessed, the remediation includes $4,000, but could be higher. For deposit accounts that were wrongly frozen, the settlement calls for $150 for each affected customer.
Can I get money from Wells Fargo settlement? ›
However, if you are an eligible settlement class member with an uncashed payment, you may still claim your payment. To do so, you must send a written request, either via email to info@wfsettlement.com, or via U.S. Mail to: Wells Fargo Unauthorized Accounts Settlement, P.O. Box 2594, Faribault, MN 55021-9594.
Do banks usually accept disputes? ›
The good news is that you have the option to file a bank dispute. The bank may then issue a chargeback in response. Chargebacks are a convenient way for cardholders to recover their money in the event of fraud or if a seller didn't deliver on what they promised.
Do banks care about disputes? ›
In reality, issuing banks are given 30 days to complete chargeback investigations by the Federal Trade Commission once they've received a disputed claim. But it's in the bank's best interest to resolve claims as soon as possible to keep good standing with both merchants and consumers, hence, the 10-day deadline.
What happens when you win a bank dispute? ›
However, this does not influence our evaluations. If you successfully dispute a charge, the bank will notify the merchant and return funds to the issuing consumer via a chargeback. From here, merchants can decide if they want to dispute the chargeback or not.
How long does Wells Fargo approval take? ›
How Long Does It Take for a Wells Fargo Application To Get Approved? Some applications for a credit card are approved instantly. If there is not an instant approval, a decision will be mailed to the applicant within five to seven business days.
How long does a bank claim take to process? ›
Typically bank fraud investigations take up to 45 days.
What does it mean when a claim is approved? ›
Approved Claim means a Claim Form submitted by a Settlement Class Member that: (a) is submitted timely and in accordance with the directions on the Claim Form and the provisions of the Settlement Agreement; (b) is fully and truthfully completed by a Settlement Class Member with all of the information requested in the ...
How much will each person get from Wells Fargo Settlement? ›
For automobile repossessions, compensation is “at least,” but is not limited to, $4,000. For mortgage holders that were unable to modify their mortgages to avoid foreclosure, damages average $24,125 per claimant. For deposit accounts, customers average $100 in damages.
Important information
Status of your claim