Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Original Complaint Consumer Financial Protection Bureau, case number : XXXX Wells Fargo case number : XXXX SUMMARY OF DISPUTED RESPONSE : Wells Fargo claims I entered a {$400.00} bonus code during my application process and therefore am not entitled to the {$820.00} bonus. This claim is factually incorrect and contradicts both their own promotional terms and the documented application process. 


FACTUAL ERRORS IN WELLS FARGO 'S RESPONSE : Wells Fargo incorrectly states I " provided '' or " submitted '' a bonus offer code. I did NOT manually enter any promotional code. Wells Fargo 's own promotional webpage ( screenshot attached to original complaint and included here ) explicitly states : " Your bonus offer code will be automatically applied to your Initiate Business Checking account when you complete your online application from this offer webpage. '' The promotional terms make clear that no manual code entry was required. By accessing the application through the {$820.00} promotional webpage, the code was supposed to be automatically populated per Wells Fargo 's written terms. Wells Fargo 's claim that " there was no indication that a bonus offer code was submitted in the amount of {$820.00} '' represents a failure of their own automated system, not consumer error. 

Wells Fargo 's system error resulted in the wrong bonus being applied. If a {$400.00} code appeared in my application, it was populated by Wells Fargo 's system without my knowledge or consent. I followed the exact process outlined in the {$820.00} promotional terms. 


SUPPORTING EVIDENCE : Screenshot of Wells Fargo 's promotional webpage showing the {$820.00} bonus offer and the explicit statement that the code would be " automatically applied '' ( attached ) WHY WELLS FARGO 'S RESPONSE IS INADEQUATE : Wells Fargo attempts to shift responsibility to me by claiming I selected the wrong bonus code. However, their promotional terms stated the code would be automatically appliedno manual selection was required or offered during the application process. If their system failed to apply the correct code despite my accessing the application through the {$820.00} promotional webpage, this represents a bank error in their automated system. 


Additionally, when I called on XX/XX/year>, to confirm my application was accurate, Wells Fargo had the opportunity to identify any discrepancy between the promotional page I accessed and the code in my application. Their failure to do so, combined with their failure to honor their written promotional terms regarding automatic code application, constitutes unfair and deceptive practices. 


BANK ERROR SUMMARY : Wells Fargo 's error includes : Failure of their automated system to apply the correct promotional code as promised in their written terms Misrepresentation of the application process by claiming I manually selected or entered a bonus code Violation of their own promotional terms regarding automatic code application I have provided clear documentation that I qualified for the {$820.00} bonus and that Wells Fargo 's system, not any action of mine, resulted in the wrong bonus being credited. I request the CFPB 's assistance in obtaining the additional {$420.00} owed to me. 

Attachments : Screenshot of Wells Fargo {$820.00} promotional webpage showing " automatically applied '' language

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