Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 I was applying to open a standard accoutn with Wells Fargo. I had enter all my personal information as well as answering all quesiton correct from the credit bureau to identifiy me. After I completed all the steps and even signing the terms and condition at the end I get an error stating : We Have Received Your Application : Action Required Dear XXXX XXXX, We're writing to let you know we received your application for Wells Fargo Everyday Checking account and Wells Fargo Way2Save Savings account on XX/XX/2018. 

Thank you for choosing Wells Fargo for your financial needs. 

Please see below for further details and important next steps for your account ( s ). 


Wells Fargo Everyday Checking Application Reference number : XXXX Status : Pending review while we verify the information you have provided.No account has been opened.

Wells Fargo Way2Save Savings Application Reference number : XXXX Status : Pending review while we verify the information you have provided.No account has been opened.

Next Steps : Once we have verified your information, we'll send you the status of your application by email. We'll follow up with a letter within 2 to 5 business days of our decision. 

After verification and approval of your account Make your opening deposit. Put funds into your new account using mobile deposit, through ATM deposit, or by making a branch deposit.

Your Debit Card will arrive in 5 to 12 calendar days. Since you chose to customize your card, it may take up to 3 additional calendar days for your card to arrive.

Your Personal Identification Number ( PIN ) will arrive separately in the mail, a couple of days after your card arrives.

If you need your Debit Card access sooner, you can visit any Wells Fargo branch to request a temporary 30-day instant issue card. 
Look for an email soon on how to use our Card Design Studio service to complete the customization of your card.

Your check order will be processed as soon as your opening deposit clears. Your checks will arrive 10 to 14 calendar days later.

Set up Direct Deposit. Have your paycheck or regular income deposited automatically into your Wells Fargo Everyday Checking account and Wells Fargo Way2Save Savings account it's convenient, fast and safe.

View the Checking Account Quick Start Guide to learn about valuable information, helpful how-tos and quick tips for your new checking account.

Wells Fargo Bank, N.A. Member FDIC If you have questions about your application, please call us at XXXX, Mon Sun : XXXX XXXX  XXXX XXXX, Eastern Time. 
Thank you again for applying for your Wells Fargo Everyday Checking account and Wells Fargo Way2Save Savings account at wellsfargo.com. Please keep this email for your records.

Sincerely, Wells Fargo Online Customer Service Please note : Do not reply to this message directly. To ensure a prompt and secure response to your inquiry, please sign on to your secure banking session to contact us if you are enrolled in Wells Fargo Online. Or call us anytime at XXXX for technical or banking issues. 


On top of that, this is my 11th time trying to open an account, Every time i get to the credit bureau I answer all correctly and get the same message. Once I get that : action require message in 1 hour I get this message emailed to me : Wells Fargo Online XXXX XXXX XXXX ( 58 minutes ago ) to me Dear XXXX XXXX : Thank you for your recent online application for a new Wells Fargo deposit account . We appreciate your interest in banking with Wells Fargo. 

At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account. To locate a branch near you, please visit wellsfargo.com/XXXX 

Sincerely, XXXX XXXX Senior Vice President I AM NOT UNDERSTANDING WHY I HAVE TO WASTE MY GAS TO GO TO A BRANCH TO OPEN AN ACCOUNT WHEN I CAN OPEN IT FROM HOME. EVERYTHING BEEN VERIFIED I PASSED ALL THE CREDIT BUREAU QUESTION AND SIGN THE TERMS AND CONDITION IN ORDER FOR MY ACCOUNT TO BE OPENED AND ITS NOT. I NEVER BANKED WITH WELLS FARGO THIS IS MY FIRST TIME AND IM GETTING SHOT DOWN FOR NO REASON.

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