Wells Fargo & Company Credit Card Complaint

Wells Fargo & Company Credit card department,

Billing disputes Minnesota

To whom it may concern, I filed credit card disputes with Wells Fargo VISA and - VISA after I bought an extendable dining table that was defective. The result of the - investigation into the matter was that - violated - policies and I was refunded the full amount of $1800.00 charge for the down payment for the table. Following Wells Fargo 's investigation, I was told, " We are unable to obtain a refund on your behalf because your dispute falls within the merchants 's pricing and policies, which we have no authority to change ''. I asked them specifically which " pricing and policies '' they were referring to and they were unable to give a satisfactory explanation. As of now, the merchant has the full amount of $1800.00 I charged for the remaining balance of the table ( not just the 30 % restocking fee the merchant was withholding which was what I was disputing ) and they have possession of the table.


scraped together which would eventually cause damage to the tabletop. After - hours they were unsuccessful. The following week, the Manager and Warehouse Assistant from - spent 2 more hours attempting to assemble the table encountering the same problems as previously. I was told by the Warehouse Assistant that the table would need all new hardware and the Manager said they would order me a new table. When the table was picked up to be returned, the - professionals were unable to take the table apart and after 2 hours turned the table on it 's side and dragged it out on a blanket. Feeling uncertain about the purchase, I called the merchant to say I did not want to order a new table. She became defensive, confrontational and argumentative. She told me I would have to pay for a 30 % restocking fee and I told her I did n't feel I should have to pay for returning a defective table that never worked properly while in my possession. My receipt states the 30 % restocking fee is for custom items " not taken '' and I did take the table and allowed them opportunity to resolve it 's issues. I requested a return when the problems were not resolved. The receipt also states " credit card refunds '' as this is how my original purchase was paid - it does not state that I have to use the money refunded as store credit. The receipt states " Final Sale '', which I interrupted to mean I could n't return merchandise that was in working order and the merchant was willing to refund my money and return the table and was just withholding a 30 % restocking fee, which is what I was disputing. She did not know what the issue was with the table until it was returned to the store. I 'm unsure why she would reorder another table for me if it was just a minor issue as she stated. I received several emails from Wells Fargo VISA during the dispute process stating, " We 're making progress on your dispute '' but was never shown the merchants responses or asked to respond or clarify the situation and after many months I got a phone call stating my dispute was closed. I am reaching out for your assistance to help me resolve this situation as I feel I am entitled to a full refund. I am confused that - banks investigated the same dispute with different outcomes and I would like this explained. The reason I use my credit card to purchase large items is for the protection they provide consumers when they do n't get what they paid for or receive a defective product.