Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a Wells Fargo Choice Privileges Master Card  on XX/XX/2024. I get an email that is in review and if they approve it, I will receive one in 7 days. I am already a Wells Fargo customer with two credit cards with them. I even opened a checking account with them last year. I closed it after they lied to me. They froze my online access and when I called them to find out why they asked questions if I visited another country and tried to access my account. They wanted me to go into a Wells Fargo branch and show them my ID so they could unfreeze it. I went to the location in XXXX XXXX XXXX XXXX XXXX and they said i needed an appointment. So, I went to the cashier and withdrew almost all of my money. I asked them how if I can't access my account online and you need to see my ID to unlock my account can you give me cash without seeing my ID because I need to make an appointment. Just days prior there was a text I received pretending to be Wells Fargo Fraud department. It actually was. After the visit with that branch the next day I went to the branch off XXXX XXXX XXXX XXXX XXXX XXXX XXXX They said they take walk ins, and I don't need an appointment, The lady called the number and verified to them who I was by my ID and they made me change my login and password there. NO ONE Breached my account on my end as I checked. I do my own XXXX security. Another person there for the same reason as I proved it was not on my end and Wells Fargo failed to report to the Federal Government the breach then. I opened a no interest credit card with them much later after this. So now we are caught up to the XXXX XXXX application. I had to call the number to find out they wanted me to go to a branch and give them a government ID and two documents such as utility bills and etc. They never supplied this info on why my application was being held up and would complete deny it without providing me this information if I didn't take the initiative. I only have 7 business days. I filled a XXXX complaint on XXXX and it was assigned to a person named XXXX I believe. I told them I am well established with them and that they have no problems sending a statement to my house and taking my money. My license is linked to a Private Security License and License to Carry ID 's and they do not need certain information on my DL such as the audit number and such and they don't need copies of my utilities with my account numbers and such. I didn't need that when I got my MasterCard from them or Dillard 's card, which my Dillard 's card is the oldest. With all the data breaches to include the one they never reported the only way my other 3rd party accounts stay secure is to ensure that they never get them. So, I played their little game and went back to the XXXX XXXX location in XXXX XXXX on Thursday XX/XX/2024, at XXXX. A XXXX lady helped me. I told her what I needed her to do was fax this info in and because I had scratched out information such as amount due, due date, account number she wouldn't do anything at all. The more I talked the more attitude she had like well what do you want me to do about it. The account holder name, address, as well as XXXX XXXX XXXX XXXX XXXX XXXX  wasn't scratched out. So basically, they refused to accept what they sent me to do and wanted while failing to disclose exactly that during the application process nor in the email given. To be specific they had no intentions of giving an honest chance of credit before I even filled out the application. When I gave this lady my cards and told her to close my accounts, she gave them back to me and told me to call the numbers on the back. Wells Fargo is a useless bank with useless people they employ that it amazes me how they are staying afloat if they aren't being subsidized by the government because none of this is how you keep customers. I still haven't heard a peep from Wells Fargo about this new incident that already lowered my credit score and I find what they have done possibly violates parts of the Deceptive Trade Practices Act. I think my bank account was open for 3 weeks before I got that text which I found that also quite odd. I will give the 3 weeks some doubt as that was some time back, but I am almost positive on the timing on that one.

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 explanation