Consumer complaint received 2023-11-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX I opened an account with XXXX XXXX Credit Card not knowing that it was actually Wells Fargo Bank. During the 4 hours of being on the phone with various representatives of Wells Fargo Bank the following events took place : XXXX XXXX and XXXX in the fraud department stated to me that the account opened was fraudulent because my phone number ended in XXXX and I could not respond to that number. I stated that on the application of XXXX I did not place XXXX on the account but XXXX. I have not had the first number for over XXXX years. Regardless because they could not send me a code on XXXX the account was fraud. This is the actions of both XXXX and XXXX in Wells Fargo Fraud Department. However, another representative used my email, verified the validity of my new account changed the phone number that had been in the system that actually had been changed nearly 3 years ago to the correct number. XXXX and XXXX did not follow the complete protocol for identifying me as the next representative did. 

The credit card was listed as XXXX XXXX and I had no idea that Wells Fargo was involved until after I had been approved. I was attempting to rent a hotel room at XXXX XXXX XXXX XXXX while on XXXX XXXX  website. There appeared an offer of a credit of {$150.00} on the statement but it fail to state that the qualifying amount was {$1000.00} in purchases and the XXXX points advertised were not included. Thus this was very deceptive to have seen the offer of {$150.00} statement credit plus earn XXXX points with the calculations of the hotel charge ( XXXX ) minus the {$150.00} statement credit leaving a credit balance of- {$64.00}. Very misleading and challenging to understand. One has no idea that the " qualifying purchases '' are not the hotel stay charge but {$1000.00}. 

Also the reservation no longer had the option to cancel within 24 hours if one applied for the credit card with XXXX XXXX. 

Upon approval there is a statement, " Instant credit available for purchases '' {$2000.00} The level 2 representative with Wells Fargo, XXXX, stated to me that only certain individuals who received the link via email could take advantage of the " instant credit ''. 
If I did not get an email, that I could not qualify. I did not ever get an email. 

After learning all of these discrepancies and the very fact that this credit card is affiliated with Wells Fargo ( I was a participant of the national scam of opening false bank accounts ) I closed the account after about 4 hours on the phone and getting represented who contradicted the statements that were in black and white after opening the account with a line of credit of {$5000.00}. 

I called XXXX XXXX XXXX and they knew nothing of the promotional offer of opening the account and getting credit for the night stay at a XXXX XXXX after the statement. 

Wells Fargo had deceived me into applying for a credit card using the name XXXX XXXX. And then the undisclosed amount of {$1000.00} had to be spent prior to securing the {$150.00} statement credit, and inability to apply the " instant credit of {$2000.00} '' to secure the hotel room. 

XXXX XXXX XXXX CREDIT CARD WELLS FARGO BANK , N.A . XXXX  XXXX XXXX

Company response to consumer: In progress