Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MO)

In XX/XX/XXXX we opened a credit card with XXXX XXXX in XXXX, MO through Wells Fargo XXXX XXXX ( XXXX ) for a same as cash no interest loan for 48 months. Our first bill was due on XX/XX/XXXX for the amount of {$78.00}, of which we attempted to make a payment on several occasions. This took 2 weeks to clear up with XXXX as they had entered the wrong Social Security number ( SSN ). A payment was finally credited in the amount of {$78.00} on XX/XX/XXXX, but a late fee was assessed onXX/XX/XXXX of {$26.00}. We were assured by a XXXX representative that the fee would be rescinded. The second payment was due on XX/XX/XXXX for the amount of {$78.00} and was credited on XX/XX/XXXX for the amount of {$79.00}, but a late fee was assessed on XX/XX/XXXX in the amount of {$37.00}. We contacted XXXX to clear the matter up and was assured again by a XXXX representative that both fees would be rescinded. OnXX/XX/XXXXthe XX/XX/XXXX fee of {$26.00} was rescinded and XX/XX/XXXX, the XX/XX/XXXX fee was rescinded. A payment was due onXX/XX/XXXX for the amount of {$78.00}, made by us onXX/XX/XXXX in the amount of {$79.00}, and credited onXX/XX/XXXX. A " minimum interest charge '' was assessed onXX/XX/XXXX of {$1.00}, which we again contacted XXXX to let them know of the error and was assured again by their representative this fee would be rescinded. A payment was due on XX/XX/XXXX for the amount of {$78.00}, made by us on XX/XX/XXXX in the amount of {$79.00}, and credited on XX/XX/XXXX. A payment was due on XX/XX/XXXX for the amount of {$78.00}, made by us on XX/XX/XXXX in the amount of {$110.00}, and credited along with the {$37.00} late fee which was rescinded on XX/XX/XXXX. A late fee was assessed for the amount of {$37.00} onXX/XX/XXXX along with {$1.00} " minimum interest charge '' was assessed on XX/XX/XXXX for a total of {$38.00}, which we again contacted XXXX to let them know of the error and was assured again by their representative these fees would be rescinded. A payment was now due on XX/XX/XXXX for the amount of {$110.00}, made by us on XX/XX/XXXX in the amount of {$120.00} and credited on XX/XX/XXXX, and XX/XX/XXXXin the amount of {$79.00} along with the {$37.00} late fee which was rescinded and credited on XX/XX/XXXX. The payment we made on XX/XX/XXXX for the amount of {$110.00} was rescinded on XX/XX/XXXX, but we were assessed a {$26.00} returned payment fee and credited and charged a {$0.00} minimum interest fee. We again contacted XXXX to clarify were we stood with fees and charges was assured again by their representative that no other fees would be assessed. A payment was due onXX/XX/XXXX for the amount of {$100.00} which we were assured was n't the case, made a payment onXX/XX/XXXX in the amount of {$79.00} which we were credited on XX/XX/XXXX. Another late fee of {$37.00} and minimum interest of {$1.00} was assessed, at which point we gave up contacting XXXX because we were tired of contacting them correcting their errors. The statement also said we were past due in the amount of {$25.00}, and had a minimum payment due of {$140.00} on XX/XX/XXXX. From this point on we made regular payments on the first of the month starting in XX/XX/XXXXin the amount of {$79.00}, and they continued to assess us late fees of {$37.00} and interest charges claiming we were in violation of our agreement with them. As of XX/XX/XXXXXXXX  claims we are past due in the amount of {$620.00} even though we have made good faith payments for the original monthly amount due of {$79.00}. This claim by XXXX is also affecting my credit rating. Recently we have attempted to contact them and resolve this matter, but they have either refused to discuss this matter or shuffled any attempt to contact them to " busy '' or non-existent departments. As of now, we have stopped any further payments to them starting onXX/XX/XXXX.