Wells Fargo denied debit card claim. Anything else I can do?

Back in May, I ordered AirPods from Target, and when FedEx delivered them, the package had clearly been tampered with. The box was cut open, re-taped, and the AirPods were missing. You can even see the loose tape in the delivery photo. Target denied my refund despite providing proof, and FedEx wouldn’t investigate without Target’s request. I then filed a dispute with Wells Fargo, but they also denied my claim. Am I out $200, or is there anything else I can do?

Hello, I suggest the best solution to this is Keep pushing FedEx since it’s clear the item was stolen while in their control. Strengthen your case by filing a police report.

Hello, Moving forward, use a regular credit card for purchases, as they tend to handle disputes better.

The mistake here was providing too many details. A simpler approach like “item not received” would’ve been better. Technically, you received a package, but not the correct item. Mentioning tampering complicated the claim. Sellers are responsible for delivering the item, but they often aren’t liable for stolen packages after delivery.

Now, reach out to Wells Fargo to clarify the claim and refile if possible. If that doesn’t work, escalate with Target directly or through the Better Business Bureau. Small claims court is also an option, though a last resort, to address poor customer service.

Hey Joylyn, Here is the a solution the seller is responsible for delivering the item in the promised condition. Since you didn’t receive it as expected, they failed to fulfill their obligation. Why is Wells Fargo denying the chargeback? It’s important to clarify their reasoning to determine the next steps in disputing this.

Hey, The seller is responsible for delivering the item in the promised condition. Since you didn’t receive it as expected, they failed to fulfill their obligation. Why is Wells Fargo denying the chargeback? It’s important to clarify their reasoning to determine the next steps in disputing this.

Hello,I am sorry to hear that. My advice is to use a credit card with purchase protection next time. You could argue, “How do I know it wasn’t shipped like that?” and file a chargeback. That might push them to open a claim quickly.