Product: Credit card or prepaid card

This Complaint is about WELLS FARGO. you people must be in bed with them. They violate the law daily pay some fines and find a new way to break the law. I am not a crazy consumer. I am an educated law knowing consumer who is shocked that you people don't enforce it. The last complaint I made about multiple Banks was sent back with Some stinky rationale that there were privacy issues, so only one bank could be addressed at a time. Was that a joke? Wells Fargo has not corrected their claim to the right of offset when they never obtained a signature for my accounts. I never agreed to any right of offset. They took XXXX, but this is about something else. I had TWO other cards with Wells personal cards. Wells XXXX and XXXXXXXX XXXX  Card. They reduced the credit limits and closed the accounts despite being paid on time. They claim that their crooked actions are on the XXXX XXXX account ( the right of offset ) and then another business card XXXX enterprises. They came up with some justification to close my other cards. I have filed a complaint against XXXX, and these actions are nothing but XXXX. The reduction of credit limits and closing paid as agreed cards is giving POWER to the Banks to Affect components of MY Credit that are supposed to demonstrate my use of credit, not the BANK 's fear of the economy crashing because they have raised credit rates to 25 %. Why is it that something that is supposed to be totally in my control is being affected by bank decisions which lower my credit score then raises the price of my borrowing, and then allow a bank to close the card, which later hurts my credit? The debt-to-credit ratio should ONLY be in my control, not the banks. You have a report on this issue and DO NOTHING About it. I want this report forwarded to your OVERSIGHT department. This is a complaint about CFPB 's complaisancy and or its complicity. YOUR XX/XX/XXXX report CREDIT CARD LINE DECREASES means you are fully aware of this practice, yet you do nothing to protect the consumer credit rating. The banks can clearly limit the use of the card to a sublimity without reporting a lower limit. Why does the bank have the right to take me from 30 % utilization to 100 % utilization by reducing my limit to its current balance? Why does the bank have the right to close the account I paid to keep open and increase my credit utilization ratio? I am supposed to be in charge of my credit score, NOT THE BANKS. I know I keep saying that, but NO One is helping us, NOT YOU. I use credit. I always have used credit, so now my responsible use of credit is being held against me. This is fraud. The banks want to send us statements online. Notify us online, but they force us to WRITE a letter to dispute something or get on the phone where we HAVE NO RECORD. They have a record, but I don't have a record. They will chat with me and keep me on the chat for an hour then say I have to call. Then I call and wait an hour. This is criminal. This is Unfair Business Practices, Retaliation, Collusion, Conspiracy to defraud consumer etc etc. Do your job and protect us. As a side note decades back when the prime rate was 12 % credit cards were 18 % for some reason when the prime rate was 0 % you never forced the credit card companies to adjust their rates? Why? Now that rates are going up they can justify 25 even 30 % rate for someone with Excellent Credit. Do your jobs.