Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I, the consumer and natural person, creditworthy applicant was denied credit by Wells Fargo XX/XX/2023 and again on XX/XX/2023 upon request for good faith reliance of the Equal Credit Opportunity Act illegally when I applied for a financial product for personal family and household purposes referred to as Wells Fargo Active CashSM Credit Card Account Agreement. 

Please be aware that I hereby revoke any and all electronic communication with your company in accordance with the E-SIGN ACT in relation to the completed application. Wells Fargo violation of 15 USC 1691 is subject to criminal liability, as I possess evidence that clearly demonstrates discrimination in the adverse action letter I received from Wells Fargo as the financial institution.

Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.This act is a clear violation of several state and federal laws, which carry penalties of {$1000.00} per violation. 

I, as a natural person and original creditor, issued my credit card ( social security card ) through the completion of a consumer financial product application, as digital asset collateral security, in good faith to secure the sum of all charges as otherwise the information clearly and conspicuously to be disclosed as finance charge omitted from required disclosures. This extension of credit was done for the purpose of a special deposit to the fiduciary, Wells Fargo, an insured depository institution, granting them the authority to act on my behalf as a non-citizen national of the United States and an individual consumer. Wells Fargo, as the entity responsible for payment of all duties and accountable for meeting statutory and regulatory requirements resulting from the importation, has discriminated against the delivery of my asset and the approval for the extension of credit. 

I believe I have been discriminated on account of national origin as a result of unverifiable reasons asserted by Wells Fargo to disgrace me as a consumer. Wells Fargo is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by Wells Fargo due to the response I received in adverse action letter allegedly based on reasons as information received that one can not adequately be substantiated as otherwise rumor or gossip.

Wells Fargo is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made a completed application in good faith, but credit was not issued.

Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on misappropriated by Wells Fargo.

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