I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. Advertised variable APRs at that time were 19.74 %, 24.74 %, and 29.74 % based on your creditworthiness. 
I was approved for the card within seconds and received an email indicating my APR would be 24.74 % after the 0 % promotional rate expired. I reached out to the company the following morning and after going through 4 people I was told that someone who handles customer complaints would get back to me. 
I received a voicemail from XXXX to call them back on XX/XX/XXXX. I called back and she just explained the same terms and conditions I already knew. I explained that I wanted to know why I was only qualifying for the mid-tier APR when I have an exceptional credit score. She said that they use information from credit reports obtained by XXXX to determine the rates. I said that I would like to speak to someone above her regarding the matter and eventually spoke to her manager on XX/XX/XXXX. She said that they would submit my application for further review and have an answer to me in 24-48 hours. I received a follow up call later that day from XXXX XXXX in which she just repeated back to me what had been discussed on the prior phone call. 
After no contact the following week, I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX looking for an update. I received a call back from XXXX manager on XX/XX/XXXX indicating that the review can take up to 10 business days someone will be in contact with me by the following Friday. 
I received a call today ( XX/XX/XXXX ) from XXXX in which she stated that my interest rate would remain the same. I asked what my credit score was supplied to them on the day I applied for the card and was told it was XXXX. I indicated multiple times that they appear to be advertising false APRs because if people with exceptional credit do not qualify for the top-tier APR, who does? She said the decision is based upon information obtained from my credit report. I asked her to provide the specific reason that I was denied the better rate. I was told that I would need to contact XXXX to review my credit report. 
I had already checked my XXXX credit score myself on XX/XX/XXXX and it was XXXX. There is no negative information on my report that would disqualify me from a better rate. 
I also asked XXXX to supply me with the percentage of applicants that qualify for the 19.74 % APR, but was told that she didnt have that information.