Yes - that's the way it works with Wellsfargo. You are not required to pay the charge until they've completed their investigation. But, as long as the vendor

Yes - that's the way it works with Wellsfargo. You are not required to pay the charge until they've completed their investigation. But, as long as the vendor has evidence that you submitted the card number, and that the vendor documented the recurring charge, and you agreed to the charge - you are responsible for the charges on your card.