Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Please NOTE : A copy of this complaint is being emailed to Wells Fargos CEO XXXX XXXX XXXX, ( XXXX ),  the executive officers of Wells Fargo, ( XXXX ), including XXXX XXXX, ( XXXX, ) The O.C.C., the VA, and the news. 

*A paralegal is helping me draft this letter/complaint. * I am a XXXX yr old XXXX XXXX & XXXX XXXX recipient, Wells Fargo has been discriminating against me due to my " healthy '' age and has caused me tremendous stress, financial loss, defamed my character and embarrassed me in front of my neighbors. 
Due to my injuries I was given a medical leave but refused my medical leave and although I suffered from chronic pain, rejoined another unit in XXXX to finish the war. 
Although I qualified for VA benefits I did not apply for them for over 50 yrs because I felt other soldiers needed them more. Only after the  death of my wife a few yrs. back did I finally apply to honor her XXXX wishes. 

See the wdiv story for yourself : XXXX XXXX   XXXX XXXX   XXXX said he didn't previously ask for benefits because so many soldiers from XXXX XXXX XXXX needed what money was available more than he did. But now that his wife has died and his pain has increased, XXXX said he needs help. 
XXXX is a happy-go-lucky man who volunteers at a senior center to keep the elderly entertained. He's suddenly in a situation that makes him very sad. 
" As she was dying, she said, 'Make sure you go on and apply, ' '' XXXX said. " I promised her I would. '' He promised his wife that he would apply for military health benefits that he said he deserves due to an injury he sustained during his service. '' HISTORY : Since it is more difficult for me to drive and carry heavy items, a family member suggested I do most of my shopping online and have my items delivered to me. 
So, I joined XXXX, XXXX, XXXX XXXX XXXX, i did not know how convenient and fast online shopping was. 
But then all these roadblocks began, which I can not understand : On XXXX XXXX, XXXX, I applied for a Wells Fargo Credit card Although my credit score with all credit bureaus is over 800, I did not get instant approval. Thought that was strange! 
Wells Fargo claimed they needed to verify my information. I sent them a copy of my drivers license & recent utility bills. I have lived at the same address for over 50 yrs. It is the only address on my credit reports. I have had only 2 phone numbers and 2 email addresses over the last 15 yrs. This is the information I provided on my application so I felt it was very strange that Wells Fargo claimed a need to verify my information. Could it be due to age, that Wells fargo is treating me differently. If i was 40 yrs old would Wells Fargo be questioning my application? 
What I can tell you is that my nephew applied for the same Wells Fargo credit card. His credit score  was only XXXX and was approved instantly with over a {$11000.00} line of credit. 
XX/XX/XXXX, I received a letter from Wells Fargo dated XX/XX/XXXX confirming I was approved and showing my credit score they pulled was XXXX XXXX XXXX, XXXX, I received another letter from Wells Fargo with my new Credit card and a credit limit of {$10000.00}. Recall my nephew received a limit over {$11000.00}. 
I activated the card from my phone which Wells Fargo has on file. 
Made my 1st transaction on XX/XX/XXXX and 8 more up to XX/XX/XXXX. 
On XX/XX/XXXX, I received my pin number from Wells Fargo through the mail. 
On XX/XX/XXXX, I used my card at the ATM to withdrawal {$480.00} Sometime after that it seems Wells Fargo believed someone else used my card. Apparently they are ignoring the previous facts that I have received and acknowledged all the letters they have sent me, including the pin number, All the information I have used is consistent with my profile and the credit bureaus. Nothing else has changed or out of the ordinary. Therefore it is clear using the PIN number Wells Fargo sent to me triggered the suspicion. Seriously? A family member researched complaints about Wells Fargo and it seems there are numerous similar complaints from consumers. 
When I contacted Wells Fargo through their SECURE MESSAGING platform, I confirmed all the transactions. However, one of Wells Fargos fraud geniss responded that I must go to a Bank with my ID, ask a bank rep to call them and sit there for who knows how long. Did this genis miss the fact I am XXXX yr old? And again, Why am I being treated this way? 
Attached all the messages. 
My attorney thinks we should play their games and since Wells Fargo is questioning the use of this credit card they can not report it to the credit bureaus. He also suggested I follow Wells Fargos lead and file a dispute questioning the charges. Which is exactly what I will do. We will play their games

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