Consumer complaint received 2018-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi, back to XX/XX/XXXX I lived in XXXX for my first time as a XXXX.

walk in to Wells Fargo bank and talk with a representative named XXXX.

she was always busy and nice I wait till she finished with others then she asked me to open an account because its good for me what ever, finally I got the card on the mail and the card was gray card with is different than my other back ( red ) I tough its a good card because of the color ... I had no idea what is credit or debit and how its effecting my score.

My process for a XXXX XXXX was apply for my family and I and its been a while since we had to go back to our country, i got back to USA after receiving my XXXX XXXX  in the mail and have it for about 2 yrs.

So after all I got my social security for 2 years and 2 Cards 1 from XXXX XXXX XXXX and one from XXXX with fico score from XXXX  and XXXX  is XXXX witch is very high as I have been told I tried to apply for " Cash Wise '' card in Wells Fargo Bank in XX/XX/XXXX.

I got declined by the bank with not understanding the reason!

XXXX and XXXX didn't showed anything about Wells Fargo bank!

I visit a lady work in " XXXX '' XXXX   somehow I told her the story then she Saied maybe XXXX report will show and that's what happened!

Finally I open the account on XXXX   with paying $ XXXX/Month I asked for Free check for all my credit Bureaus I sow the credit report and I see the problem!

Before I had the SSN in XX/XX/XXXX as a XXXX XXXX  from the bank opened a secured card under my name and just told me that this card is good for me!!! all this payments I did was for XXXX dollars all the time and I didn't understand the whole think, the card color the XXXX limit it just was a secure card from Wells Fargo! all this history waited to me when I just got my SSN than stick to my credit history!

I got like 4 month with late payments for my card because they charged me for having less than 1500 so its just build up and up.

At the end of the day I tough this is a Debit Card so I don't have to worries about the money that there because its my money and its not the bank so I can use it and max it out and its all good and not hurting no one.

so in XX/XX/XXXXI got into USA and walked in the branch and I had a balance on my acc and they told me its because the account didn't have XXXX  dollars in the Debit card so I have to pay the fees. I paid that also.

so what I did?

1. I fly from XXXX  for XXXX to talk with her and get it removed ( also I visit my family so it wasn't really bad to find out what happened with XXXX ) XXXX got fired from the Wells Fargo because she made a lot of bank accounts for others and make commission somehow, she apply for me with not under my permission and she speaks my language so you usually trust someone from ur country and ur language a little more ...

I got wrong by listening to her, she took advantage of my lonely here in XXXX and did something for her and thief commission from the bank!

2. I talked with XXXX  by applying for dispute, after about 2 or 4 weeks I got declined I don't know how to remove it so I talk now with CFBP and hope so see a positive answer.

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