Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I refuse any Wells Fargo Bank N.A ( WF ) retaliatory forcing against me to enter any sort of arbitration and/or mediation at this point. An arrogance is that of WFs executives thinking they can do whatever.you know yourself and your will be held legally accountable for your violations against my person. I give consent to the CFPB to publish this complaint to the public to learn from my almost daily struggle with Wells Fargo bank N.A inhuman, reckless and continuous retaliation, harassment and blacklisting against me. Here again my information and little background so WF will have no excuse to avoid answering the real issues presented at least by this complaint. 

My full social security number is XXXX, my full legal name : XXXX XXXX. My mailing and billing address XXXX XXXX XXXX XXXX XXXX Virginia XXXX. I Also have one Wells Fargo bank N.A credit card  that is open and should remain open and I never requested it to be closed. The account I am complaining about can be pulled up with the above information and it is shown the full number of it in one of the attached files. Also my attached recording of proof shows what account exactly that i requested to be close but I faced unexplained refusal and/or resistance so I called again Wells Fargo but they impeded my ability and my request to close that account and keep it open against my will .I believe I was discriminated and retaliated against another time and by the same bank. My struggle : Wells Fargo Bank N.A ( WF ) discriminated, blacklisted and retaliated against my person and violated my rights to engaging in protected activities under the the Dodd-Frank Wall Street Reform and Consumer Protection Act 2010 ( CFPA ). In addition to that, WF violated my rights under Title VI and any other as applicable from WF retaliation against my person as it will be explained herein and/or will be explained further elsewhere due to privacy and for security and safety reasons. I complained before about Wells Fargo bank N.A discrimination or retaliation to the government and this Bank is aware of it and continues its reckless intentional arrogance to target my person and blacklisted my information. the following is the latest from WF or Wells Fargo Bank National Association unlawful, discriminatory and retaliatory acts against my person : on XX/XX/2019 I called my WF credit card services or WF customers phone bank to request and close a WF account number that was opened under my social security number and under my other personal information and it has the last 4 consecutive digits XXXX ( account XXXX ) ( full account number is shown in an attached file ). This Account XXXX is shown as separate account in the WF online banking. Wells Fargo bank N.A refused to close this account when I clearly requested that in a first and a second same day on XX/XX/XXXX ). The two calls give enough chance to this Tyrant- mafia like organized bank to refrain from its refusal to close my account but they insisted and they did not close my account XXXX. Now, I authorize one of the two calls them to be public as permitted and as CFPB sees it it protects my rights and it is attached to this complaint and the CFPB to go ahead and do so please but restricted to government authorities a restriction that Only my consent or a court order that might left it. Those Two calls are my recorded privileged calls of me to Wells Fargo bank N.A proving that unlawful act to rejecting my request when I wanted to And to close my account XXXX and twice.Thus, After that refusal to my legitimate requests to close account XXXX and to my current state of belief and understating and without waiving my rights Under any circumstances, I believe I never signed any account application for that account XXXX and so its terms and conditions do no represent in any way something signed or agreed to it so whatever those terms and/or conditions of account XXXX Represents WF Only. In addition any of my accounts other than account XXXX. 
I reject and dispute Wells Fargo bank N.A reply ( this rejected replys copy is below for the public to see ) at its entirely for not answering the most important questions. It is my understanding that my reports to government with jurisdiction about Wells Fargo bank N.A Violations Of Consumer Rights, then Unfairly and unlawfully followed by Wells Fargo bank N.A discrimination against my person which was in violation of the CFPA of 2010 and civil rights ... etc by its blacklisting of my Information, its retaliatory and discriminatory service toward me each time, its other unlawful adverse actions were noted on each record, its continuous violation of my privacy, and its continuous retaliation in general. It is my understanding that Wells Fargo bank N.A again gave itself to speak on my behalf which I never gave permission to Wells Fargo bank. Here is the rejected retaliatory reply of Wells Fargo Bank N.A : Wells Fargo Bank N.A credit card services rejected reply began here : XX/XX/XXXX XXXX XXXX XXXX Subject : CFPB Case XXXX Rewards Account Number ( RAN ) XXXX Dear XXXX XXXX : We are committed to building better every day by understanding and addressing customer concerns. We want to let you know that the Consumer Financial Protection Bureau ( CFPB ) recently forwarded your comments, as detailed in your complaint dated XX/XX/XXXX, to Wells Fargo for review and response. We appreciate the opportunity to address your concerns. 
We regret any inconvenience or frustration you experienced while attempting to close your XXXX XXXX XXXX account. We were disappointed to learn of your experience and dissatisfaction with the service provided by our representatives. Thank you for taking the time to share these most important observations with us. Wells Fargo is proud to be a fair and responsible lender. We believe customers receive fair, consistent, and appropriate customer service. Providing reliable assistance is a top priority at Wells Fargo, and we are sorry this was not the case in your situation. Your comments were forwarded to the appropriate management for review. 
We understand you do not recall signing an application for the Rewards program. The enclosed Terms and Conditions that were provided to you at the time you signed the enclosed application explain that you applied for a Wells Fargo Rewards Card. You were earning points on purchases made with your Wells Fargo Platinum CardTM Account through the XXXX XXXX XXXX  program. 
This letter is to confirm the above referenced Rewards Account Number ( RAN ) was closed per your request on XX/XX/XXXX. Please allow 3 5 business days from this date to reflect the account as closed on your online banking. If you prefer, you can manually remove the account from your online view in mobile banking by following these steps : Log into Wells Fargo Online Select drop down menu next to Welcome, ( your name ) Select Account Settings Select Remove Account to select which account to remove from online account access If you have any further questions regarding the Rewards program, please call XXXX XXXX XXXX   Customer Service Center at XXXX XXXX. Agents are available to assist you Sunday Saturday XXXX XXXX XXXX XXXX ( XXXX  ), Eastern Time. 
We may send you an additional communication about an opportunity to participate in our mediation program. If you request the opportunity to participate in our mediation program after receiving our communication, your claim will be reviewed to determine whether it is eligible. 
Mediation is a non-binding process that looks for possible resolution to your dispute, and it is offered when customers indicate they may have incurred fees or were otherwise harmed as a result of potentially improper sales tactics or unauthorized accounts opened by Wells Fargo in their name. Wells Fargo pays for all the costs associated with the mediation. 
Wells Fargo Bank, N.A. 
Card Services & Consumer Lending XXXX. XXXX XXXX XXXX, NC XXXX We hope this letter is responsive to your concerns. If you have any further questions regarding your credit card account, please call Credit Card Customer Service at XXXX. Agents are available to assist you 24 hours a day, 7 days a week. 
Thank you. Sincerely, XXXX XXXX Research/Remediation Analyst cc : CFPB Enclosures Case Number : XXXX. Here, Wells Fargo Bank N.A credit card services rejected reply ended. 
refuse and object and reject and not authorized and I am not giving up my rights to any change to the existing and/or signed terms and/or conditions of each of those accounts other than account XXXX which I never agreed or signed to its terms and conditions at all as I explained and as to my current state of understating now not to be argued. Wells Fargo Bank N.A by  retaliating, discrimination and blacklisting my person using my information has declared its continuous outlaw and disrespect to the constitution. Who has jurisdiction and could stop this? I said it before and again I will never hurt myself or any other/s and if anything to happen to safety and life Wells Fargo Bank National Association and/or its involved agents and/or its involved executives should all individually and/or collectively be held criminally fully legally responsible and should be prosecuted to be sentenced to maximum possible sentence/s in a court of law and thus If I left forced and/or against my will by the above named, and it would be a fact then that I left as a martyr to the United States, Country, Citizens and its Constitution and to our democracy and values and what an honor it wouldve be. What a shame To the Other or WF. 
Without waiving my rights to Wells Fargo Bank N.A ( WF ). I am not  tolerating all what WF has being subjecting me in violation of the law as indicated herein or elsewhere. Wells Fargo bank N.A by its retaliating and Refusing to close the referenced account when I requested it ( I believe I have my freedom to choose what I want to do with my account, when I want that and as I wanted and freely without oppression, WF can not decide for me And is forbidden from that and is to stop invading my privacy and rights and stop its retaliation now ), its blacklisting Of my information and its several other unlawful adverse actions all will be brought to legal accountability without missing a single WF retaliatory occurrence against my person and WF will pay a huge legal consequences for its unlawful inhuman and reckless acts against me. I am afraid for my safety and life from harms by Wells Fargo bank N.A and/or its operators but I am not afraid to speak up about my rights. Anything in this complaint and/or Notice was to the best of my current state of knowledge and belief and understanding and it is subject to correction or modification by my person or representative/s if deemed necessary by my person or my representative/s at any time without prior notice and without waiving my rights.

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