At a Glance

In the modern world of finance, credit cards have become an integral part of our daily lives, offering convenience and flexibility for our transactions. However, there are instances where discrepancies or unauthorized charges may appear on your credit card statement, causing concern and confusion. Let’s discuss the process of disputing charges on your Wells Fargo credit card. Whether it’s a mistaken charge or an unrecognized transaction, understanding the dispute process is crucial to safeguarding your financial well-being.

In this article, you’ll learn:


Roughly 80%

The proportion of chargebacks that are fraud-related.

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How can you dispute a charge on your Wells Fargo credit card

Disputing a charge on your Wells Fargo credit card involves a series of steps, each designed to help you resolve the issue efficiently. Here’s a breakdown of the key methods you can utilize.

1. Contacting the merchant

When disputing a charge, the first course of action is to contact the merchant involved in the transaction. Reach out to their customer service department and explain the nature of the dispute. This step often proves effective, as the merchant can clarify any misunderstandings or address errors that may have occurred during the transaction.

2. Contacting Wells Fargo directly

If your attempt to resolve the dispute with the merchant is unsuccessful, the next step is to contact Wells Fargo directly. Their customer support team is well-equipped to assist you in navigating the dispute process. Be sure to provide them with detailed information about the transaction, including dates, amounts, and any relevant correspondence with the merchant.

3. Disputing the charge online

In the digital age, many processes have been streamlined, and disputing a charge is no exception. Wells Fargo offers an online platform that allows you to initiate a dispute electronically. Simply log in to your account, locate the disputed transaction, and follow the prompts to submit your claim. This method ensures a paperless and efficient resolution process.

Wells Fargo’s chargeback process

When a dispute is filed, Wells Fargo initiates a chargeback process. This involves a thorough investigation into the transaction in question. The bank will communicate with the merchant’s acquiring bank to gather evidence and assess the validity of the dispute. If it is determined that the charge is indeed unauthorized or erroneous, the funds will be returned to your account, restoring your balance to its rightful state.

Will disputing a credit card charge affect your credit score?

A common concern among credit card holders is the potential impact of disputing a charge on their credit score. The good news is that disputing a charge does not inherently affect your credit score. However, it’s essential to note that if the dispute leads to a prolonged period of non-payment, it could eventually impact your creditworthiness. As long as you continue to make timely payments on your other credit obligations, the dispute should not negatively affect your credit profile.

Related: What You Need to Know About Credit Card Charge Disputes


The timeline for disputing a charge on your Wells Fargo card is typically within 60 days of the statement date on which the charge appeared. Initiating the dispute as soon as you notice any discrepancies is advisable to ensure a prompt resolution.

Yes, Wells Fargo does refund legitimate disputes. Once the investigation confirms the validity of your claim, the refunded amount will be credited back to your account, restoring your balance.

A chargeback is a formal process initiated by the bank to reverse a transaction, often due to an unauthorized or disputed charge. On the other hand, a refund is a transaction initiated by the merchant to return funds to your account, typically in response to a product return or dispute resolution.