Consumer complaint received 2022-10-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
WELLS FARGO SS # ISSUES I applied online in XXXXXXXX XXXX XXXXXXXX for a personal credit card. 
Wells Fargo approved my application immediately and issued a credit card with a {$14000.00} limit. Then when I tried to set up online access to the card I was unable to. I called Wells Fargo and they stated that the last digit of the social security number was entered as a XXXX instead of the correct ending number of my SS # which is a XXXX. They stated I would either have to fax/mail ( no scanning and emailing allowed ) them my SS # or I would need to drive XXXX miles one way to a banking center to show my social security card to have this corrected before I could have online access to see my account activity and make payments online. I spoke with Wells Fargo reps multiple times and told them that is is fraudulent to continue to allow me to use a credit card that they claim is attached to someone else 's social security number. Wells Fargo continue to allow me to make charges on the card but continues to state I can't get online access because the card is not under my social security number. I told them I could fax my ss card but that the emblem hides the last digit making it nearly unreadable. They said this would be okay and just to fax it anyway. I faxed them my XXXX XXXX XXXX ss card and recieved a letter from XXXX 's XXXX stating they can't read the SS #. and will still not be able update the credit card information ( from someone else 's so # to my ss # number ). 
I spoke with XXXX today XX/XX/XXXX and let her know I was reporting XXXX ' XXXX for allowing people to use credit cards that they state are in other people 's social security number. XXXX stated she understood and moved it up to an escalation dept that should get back with me. 
The other reason I am sending this message is because I know this is not a XXXX time mistake on by XXXX 's XXXX. It seems to be a calculated new plan of theirs. They did the same thing to XXXX of my workers earlier this year. He was working on a construction project and overheard my conversations with XXXX 's XXXX and told me about his own issue with them giving him a prepaid card then stating they got the SS # wrong and he would have to send them proof of social. 
I am also aware of XXXX 's XXXX 's past unethical practices. My first mortgage was through them and I received a class action payout years ago related to their past practices. 
I have tried to work with them for the past 2 months before having to report them. I gave them every chance to correct their reported practice of allowing people to charge on cards that they report are under someone else 's SS # but they refuse to fix the issue. At this point I am afraid they are going to make negative non-payment reports oneither my ss # or the person they state they have inappropriately listed as the card holder due to their error in their computer transposing the ss # number as they claim is what caused this issue. They state that once the computer makes a mistake from the number the applicant typed into the application to the computer which as an error and tends to transpose the SS # to an incorrect number on the card account - that they can't change it back to the correct number that was on the application with out a physical ss card. Nor have they stated that they have correcting the computer issue that is causing this issue in the first place. They clearly know this is an issue and choose to continue the practice.

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 non-monetary relief