Review the charge and confirm it is unauthorized, incorrect, duplicate, or not received as expected
Gather supporting documents such as receipts, statements, emails, order confirmations, and refund records
Log in to Wells Fargo Online or the Wells Fargo Mobile app
Select the account with the disputed charge
Find the transaction and choose the option to dispute or report an issue
Follow the prompts to submit the dispute details
Call the number on the back of your Wells Fargo card or the customer service number on your statement if you need to dispute by phone
Visit a Wells Fargo branch if you want to file the dispute in person
Provide the transaction date, amount, merchant name, and reason for the dispute
Submit any requested supporting documents
Monitor your account for temporary credits, updates, or requests for more information
Respond promptly to any Wells Fargo follow-up
Keep records of all communications and dispute confirmations
If the issue is not resolved, ask Wells Fargo about the next steps for escalation or reconsideration