Consumer complaint received 2019-05-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Mr. & Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Bank Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Attn : Ms. XXXX XXXX XXXX COB RE : Account # - XXXX Dear Ms. XXXX, Please take the time to read this letter and dont push it off on one of your XXXX XXXX to answer and follow up with or dont throw it in the trash. I addressed it to you and hope to hear from you personally. I am a XXXX XXXX XXXX XXXX XXXX Veteran who lives on a very small XXXX check and a small Social security check. It takes a long time to save any money and it has been almost 20 years to save what I have in my savings account. My wife just recently had a very bad XXXX, and she does not work or bring in any money at all so we have to be very very careful where we spend our money. 

I have needed a hot tub for a very long time, since XX/XX/XXXX for all my XXXX and XXXX I received in XXXX XXXX and from our Federal government a good dosing of XXXX XXXX, XXXX, XXXX and XXXX. 

Last month our local hot tub supplier in XXXX, Arizona ( XXXX XXXX ) had a great deal on hot tubs that I thought I could afford to make the payments on, they were offering no interest for 9 Months if paid in full before that date arrived and they said it was through Wells Fargo. Right there I thought about how Wells Fargo XXXX so many people out of their money and my wife and I discussed it and said we thought we would give you a try since it sounded like you guys cleaned up your act and fixed all the wrong doings. 



Well we just got our 2nd request for payment and you guys charged me {$27.00} late fee which is XXXX, and said I was in arrears for {$210.00} which again is XXXX. 

I sent in my first check on XX/XX/XXXX, on check number # XXXX and my bank shows it clearing on XX/XX/XXXX, from my bank below CHECK # XXXX WELLS FARGO CARD CHECKPAYMT XX/XX/XXXX - ARC ID : XXXX Cleared Check {$600.00} it was not due till the end of XX/XX/XXXX. 

I just sent in another Check # XXXX for {$600.00}, it has not cleared as of yet, but this payment is not due till XXXX again. 

These payments were sent to Wells Fargo Bank NA, XXXX. XXXX XXXX XXXX XXXX, CA XXXX on your own payment slip and envelope! 
Is your bank still XXXX these things up and misapplying payments! 

This afternoon I got on the phone about all these XXXX XXXX, and the person I spoke with said they had no record of my payment, he said I should contact my bank and ask them to send proof of this paid check to a fax number Attn : XXXX. My bank will not do that over the phone, so in the morning I and my wife have to drive 90 miles round trip to the bank and get this done. I am just hoping that this is not every month thing I have to do because I can not leave my wife alone and it takes some time to get her ready to travel! 

Rather than do every month my wife and I decided to take the balance owed to Wells Fargo in one lump sum and pay this in full by cashiers check, this will deplete my savings account drastically, but this is preferred over having to go through these things each month with a bank like yours! 

I am hoping that there is a XXXX somewhere where companies, banks and people go to and suffer for all the crimes and problems they cause people like us that play by the rules, live a good life, give back to the community and follow the golden rule. 

I am passing the word to all the military veterans about how I was treated by your bank, and there is 13 million of us and word will get out! 

If I should ever hear from you personally I would be blown off my feet, I wont hold my breath though! 


Sincerely, XXXX XXXX PS. Went this morning to my bank and they said Wells negotiated my {$600.00} check electronically on XX/XX/XXXX, and the Wells Transaction /Trace number was # XXXX. I then went to your Bank in XXXX and tried to get them to pull up this transaction number and they said they could not do this! 
WHY???????????????????????????????????????????. 

I also depleted our savings this morning to pay your XXXX   bill {$4700.00}. That coupled with the {$600.00} you cashed on XX/XX/XXXX and a recent check sent to you for another {$600.00} check ( # XXXX on XXXX/XXXX/XXXX ) pays this XXXX account in full and I will warn everyone what I had to put up with your bank. 
You guys are ALWAYS out to XXXX the little guy, but its us little guys that keep the country moving forward despite terrible un-American companies like Wells Fargo! 


CC : Mr. XXXX XXXX Senator XXXX XXXX US Senator from Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 Million Subscribers XXXX # XXXX

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 monetary relief