Consumer complaint received 2020-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Your response is nothing but a simple dodge. 
The recent credit report provided, has history before XX/XX/XXXX. So, saying the provided credit report is to recent is nothing more than ploy. I wonder what ridiculous excuse you'll come up with next to avoid correcting your mistake. So therefore, I request you ask your Underwriter the exact documentation needed for me to overturn this. So, you and XXXX XXXX XXXX, can stop wasting time. Let me remind you it was your Boss who said Wells Fargo Bank, N.A. Credit Card Services will consider overturning this if I can prove nothing adverse was being reported around the time you did your review. Even though, I have already done that. Attached is a credit report dated XX/XX/XXXX. It's closer to the date you did your review and it also has history prior to the date you did your review, needless to say still pointless. However, you'll find that all adverse accounts are closed and that all closed adverse accounts are dated closed in XXXX ; and nothing adverse reported leading up to or in the month of your stated XX/XX/XXXX review. So again you'll find that nothing adverse was reported in order for you to reduce my credit line. So clearly something else is going on. 
Moreover, you failed to answers my questions in the last CFPB complaint. So I will itemize those questions so you can focus on what needs to be addressed : 1. Where is the adverse information on my credit report that lead you to your decision?

2. How did I pass all other previous reviews? 
My whole argument is, you have/there is no " information previously reviewed, '' in XX/XX/XXXX. I have proven this doesn't exists. Sadly Wells Fargo Bank, N.A. is protecting the real reason for their decision to reduce my credit line. By saying its proprietary information. Question? How am I suppose to correct or refute the information you say you have if you won't share the information. Furthermore, I have proven that there was no adverse action prior to your XX/XX/XXXX review. 
So sticking to your decision as a reply puts this in an never ending refusal that I can't overcome nor be a party too. 
Waiting on me to correct information you have, that really doesn't exists seems convenient for Wells Fargo Bank, N. A. to do what ever they want to anyone that may pose a red flag according to your policies on credit card activity. 
That being said, your reasons for reducing my credit line has nothing to do with my credit history, and everything to do with protecting Wells Fargo Bank, N.A. Credit Card Services internal policies by giving the consumer a false narrative. 
This conduct is likely unlawful.

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