Consumer complaint received 2020-09-16
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:
XXXX XXXX XXXX XXXX, in our phone conversations you extended me the opportunityto proveto WFB CCS that the reasons WFB decreased my credit limit were false. By providing you proof with either a credit report or request a credit limit increasedwith your CCS team that involvespulling my credit report. In my conversation with the Manager, I specifically asked what your lookback period is ...? She responded, 12 months. I also asked fromwhat date? What date did you use onme? She replied XX/XX/XXXX, But I'm pretty sure it was XXXX XXXX, XXXX, Either way, you'll see, from the uploaded credit report with this complaint, that all collection accounts have a last reported date of XX/XX/XXXX which is outside the look back period ... in other words, not within your look back period of 12 months that is from XX/XX/XXXX to XX/XX/XXXX. ALSO! They are not opened. All collection accounts on my credit report are " closed ; '' and reported closed the same date last reported with a " zero '' balance too. 
You will also see duplicate accounts for the same collection accounts three months later dated XX/XX/XXXX showing the same original balances that are easily identify as duplicate reporting ... with same information that states closed with no balance owed. Again not any collection account is being reported within your look back period, showing opened or with a balance. Per your final letter on the matter, your reasons for decreasingmy credit line specially states : '' late payments or negative record in the last 12months. " and " recent late payment on credit report. " Take a look at the credit report provided and you'll see the information you based your decision on is false. 
In addition, all opened accounts are in good standing ; and I know they have been since they opened. Credit report provided shows you a look back period on satisfactory accounts as far back as XXXX. Regardless, none of the open accounts report any late dates ever or lates within your look back period .They all state paid as agreed. 
Moreover, take note that the credit report does not state how many times any account has been paid to zero. Your letter specifically states, '' low paymentto balance on WF credit card " ... only! Therefore, WFB CCS would knowhow many times I have paid it off to a zero balance and or paid down the balance. I have had my card since XXXX. I have most certainlypaid it off several times and paid down the balance many times in attempts to lower my debt. ************Furthermore, look at page17on my credit report, you'll see that the very next month XX/XX/XXXX I paid off the same Wells Fargo credit card account in question from $ XXXX a zero balance. *********************** So bringing the above to your attention, where are the late ( s ) payment ( s ) you supposedlysaid I had in the look back period ...? AND! How is it that I passed all other previous credit account reviews??? ... when I had open collections???

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