Consumer complaint received 2018-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To whom it may concern, I open XXXX XXXX ( XXXX  ) card from Wells Fargo because I had a leaking that destroyed my floors during other remodeling. I was told that the card was interest free for 24 months. After I was issue the card 24 months changed to be 12 months. I wasn't able to refinance on time but was making maximum payments and from over {$5000.00} the balance went down to {$2700.00} and I was able to refinance, when I called to pay the remaining balance I was told that my interest just kicked in and from XXXX the balance when back up to {$4800.00}. Wellsfargo refused any negotiation to bring the balance down. 
I paid the balance down again to XXXX. and when loan closed and tittle company sent the payment Wellsfargo stated that now my balance was back up to {$4100.00} due to interest charged. Wellsfargo stated that I still owe {$130.00} after long conversation Wellsfargo agreed to bring the bill  XXXX and close the count ( that happened in XX/XX/18 ). I was out of the country when I came back I had another bill waiting for me from XXXX for {$64.00}. I called again around the end of XX/XX/XXXX-XX/XX/XXXX and requested that wellsfargo follow are agreement bring the count XXXX  and close it. after 1hr conversation between different people and finally a supervisor they agreed to close the count at XXXX. XX/XX/XXXX I received another bill from Wellsfargo for {$100.00} to be paid. I called and asked why this count still generated fees has from my last conversation we agreed that the count was XXXX and closed. The customer service I was speaking to stated that they just credit the late fees and the balance of {$64.00} unpaid generated another fee which is why it's XXXX But the count is close. So I said " Can I please speak to a supervisor, because I will not close the count if there was any balance that don't make sense to me. What I remember is that after we brought the count XXXX  he was supposed to be closed ''. Customer service said Ok, went and come back telling me that actually my last conversation was XX/XX/XXXX and I was still owe this balance. I told her that she just told me 5 minute ago something different that was in her computer and that she stated that the count was been closed. I was upset and asked her how she can lied like this in my face. When supervisor come I can her sarcasm in his voice. He was noshes insisting on the last statement of the customer services. I was very upset because this card was a reap-oof for me and they still trying to squeeze out me anything they can. 
I was paying the bill from my Wellsfargo online billing. their system always was confused using my joint count that doesn't have any payment set. charges my individual and joint alternatively, and always charging me late fees when I wasn't late. All wanted is to paid this balance and I did, but they won't let me be debt free from them.

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