Consumer complaint received 2022-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Complaint about XXXX XXXX and discrimination Dear Sir or Madam, Wells Fargo started discriminating against me about XX/XX/XXXX when I asked to notarize a legal letter for me. The personal banker, XXXX XXXX, in XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, discriminated against me because of my XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Instead of notarizing my legal letter she started repeating over and over again that she would not notarize my ID card, which I brought for verification of my identity. When I applied to another personal banker in that branch, XXXX XXXX, and XXXX XXXX ( Exhibit 1 ) immediately advised her to refuse services for me because she did not like me, and XXXX XXXX told me to go to another branch, which notarized my document. Wells Fargo denied my complaint about that incident ( Exhibit 2 ), but because of that they cancelled my XXXX XXXX card, which, as they previously confirmed on XX/XX/XXXX, had cell phone protection benefit ( Exhibit 3 ). 
On my CFPB complaint # XXXX, Wells Fargo responded with a letter that my cell phone protection was cancelled on XX/XX/XXXX ( Exhibit 4 ), which contradicts with the Exhibit 3 dated XX/XX/XXXX. The claim # XXXX was filed in XXXX, but it was responded only next year, and honestly, I dont remember neither filing that claim, nor what it was about. Also, Exhibit 4 has a date XX/XX/XXXX and address XXXX XXXX XXXX, XXXX XXXX, NV XXXX, even though my address in XXXX was XXXX XXXX XXXX, XXXX XXXX, NV XXXX, which Wells Fargo confirmed with Exhibit 3. It seems like that was either some fraudulent activity on my account or Wells Fargo with XXXX XXXX XXXX of XXXX XXXX discriminated against me confusing me with somebody else, or because I filed a complaint about XXXX XXXX and discrimination at Wells Fargo XXXX XXXX branch by two Wells Fargo employees ( Exhibits 1 and 2 ). 
In response to my CFPB complaint # XXXX provided some fraudulent letter denying my claim # XXXX with XXXX, XXXX XX/XX/XXXX ( Exhibit 5 ). That fraudulent letter denied my claim # XXXX on the grounds that they could not verify with XXXX XXXX that I had claimed a chain saw even though I had provided verifiable evidence that I claimed the chain saw with XXXX XXXX. Because XXXX was just a benefit XXXX of XXXX XXXX XXXX member of XXXX XXXX XXXX, I filed an appeal with XXXX, and it was never responded to me. As a result, I had to follow the arbitration policy XXXX XXXX XXXX XXXX member of XXXX XXXX XXXX, which was listed in the Guide to Benefits for Wells Fargo XXXX XXXX XXXX XXXX ( Exhibit 7 ) by filing a dispute ( Case Number : XXXX ) with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, as a result of systemic racism exercised by Wells Fargo Bank, XXXX, and XXXX employees, I was hospitalized multiple times beginning XX/XX/XXXX, and I had two years to recover my damages ( California Code of Civil Procedure section 335.1 ). There was also a two year limitation for breach of oral contracts ( California Code of Civil Procedure section 339 ) and XXXXour year for written contracts ( California Code of Civil Procedure section 337 ). 
Regardless of multiple requests from XXXX to XXXX and its representatives ( Exhibits XXXX and XXXX ) to follow the XXXX XXXX XXXX member of XXXX XXXX XXXX XXXX policy written in Exhibit 7, they willfully refuse to follow their own written contract ( Exhibit 7 ). As a result of such willful disrespect to their own policy and AAA rules and procedures, on XX/XX/XXXX XXXX issued a ruling to prohibit XXXX XXXX XXXX member of XXXX XXXX XXXX arbitrate any disputes at XXXX ( Exhibit 10 ). 
Upon filing my complaint with CFPB # XXXX on XX/XX/XXXX, where I requested Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies from their Guide of Benefits ( Exhibit 7 ), Wells Fargo provided with a false and misleading letter, stating that they were not required to follow the ruling of AAA ( Exhibit 11 ). As a matter of fact, they were required to remove XXXX  from their Guide of Benefits ( Exhibit 7 ), if it was related to arbitration policy of XXXX XXXX XXXX ( Exhibit 10 ). 
I filed another claim with CFPB # XXXX on XX/XX/XXXX, where I requested again Wells Fargo Bank XXXX XXXX the AAA ruling XXXX Exhibit XXXX ). And Wells Fargo Bank responded again with false and misleading letter which accused me in fraud because of which my Wells Fargo accounts were closed ( Exhibit 12 ). I attached my evidence to this complaint as exhibits to prove that Wells Fargo Bank, XXXX, and XXXX employees systemically discriminated against me to exercise their XXXX XXXX with false evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation