Our Wells Fargo ( WF ) Visa experienced some $ XXXX in unauthorized charges. Reported these to WF and removed the charges, but a couple of weeks later all of the charges reappeared as WF sided with the merchants to reinstate the charges. WF discovered that fraudulent charges led to some email address that is not mine, to some address over XXXX miles away from me that is not mine, and that someone verified one of the charges using a XXXX XXXX phone number that someone had hacked into so anyone could have made that call. I mailed to Wells Fargo Fraud Claims " Reconsideration '' department today a detailed packet outlining how these pieces of evidence prove in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. Also WF said that someone faxed to a merchant an ID for me, but I asked WF to get that fax because I am sure it will prove that the ID is fake since at least no one stole my ID of that I am certain. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted no doubt fraud documents to try to use my credit card. This is more than credit card misuse this is account takeover. WF must remove all these charges because I will not pay for unauthorized charges, never. 
