Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 i applied for a credit card with Wellsfargo on line and was told after completing application that i would have to wait until the next business day to find out if i was approved or not. Long story short they declined me until I demanded a manual review of the application with very great income and low DTI. After a review and several complaints about why i was turned down with a XXXX credit score my application was approved. I then asked about the initial application and the information that was in there was not accurate. The rep told me not to worry that it would not be processed and i wouldn't have to worry about it hitting my account. On XX/XX/2018 I notice charge on my account for {$6500.00} that was sent to XXXX Visa which is closed now. Wellsfargo said there was nothing they could do and I would have to see if XXXX Visa would return the funds due them not being able to reverse it. I explained that I did not Authorize this and that it must be a mistake due to the initial issues with the account opening. I tried contacting XXXX Visa to resolve issue and was told that they didn't receive or have any the of transfer to them. I returned to call Wellsfargo to relay the information 2 times after and nothing was done and my account now showed a balance of {$9900.00}. I only wrote a check to transfer a balance of {$3200.00} They have done nothing to correct the fraud but give me a new card number and transferred the unauthorized transaction my new card number and then reported the balance and usage to XXXX Credit Bureau that my utilization is at 100 % and the card balance is at {$9900.00}. I have called back again XX/XX/18 to talk to someone about it and now they are saying they will assign a case to it but will not correct information at the time for incorrect info on my credit report. Every time i call in I get told something different and they are not willing to help I have offered to pay the difference so that this would not affect my credit score or utilization and the representative told me not to worry that they would have this taken care of in a few days and if a balance did report it would only be for the amount I used which was {$3200.00} I also made a payment on the account of {$96.00} on XX/XX/18. I spoke with the customer service manager on XX/XX/18 that said that payment would be reversed back to me to not have the 1st payment being so much. I have gotten no where from calling for over 2 weeks now and as a result my credit score has been affected by this and I feel as if i have been discriminated against with this matter based off the history of the account and having issues with getting the application approved in the beginning. I would like to see that Wells fargo change their practices with customer service and doing things to customers accounts with out their approval and not wanting to correct it when recognized.

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