Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I 've been banking with Wells Fargo for quite sometime and have a mortgage loan, savings and checking accounts, and opened up an XXXX XXXX XXXX credit card last XXXX XXXX WITH Wells Fargo before heading up to XXXX, XXXX for work last year. While working and living up in XXXX I received a solicit ( online or through snail mail of which I cant remember ) from WF Credit services for opening up a new XXXX Credit Card at 0 % balance transfer upon approval. The application was submitted on my end back to Wells Fargo and my application was approved and the funds of XXXX were to be mailed by a check since the credit card I was paying off on was a XXXX Card and they did not except online electronic balance transfers. The account was approved in XXXX XXXX and as weeks passed, I Never received the check to my residence in Florida that was the address that i filed on the application ( during this period in XXXX, I had a family member physically looking for the check to arrive in my personal home mailbox ). I spoke with a WF representative about how the funds were going to be transferred over to me since the check never arrived and the rep explained that the money would put directly into my personal checking account instead and they would get that off to me sometime at the end of XXXX XXXX ( WF could NOT come to a conclusion why the check was not sent off to my Florida address and immediately put a stop on the XXXX check on their end ). NOTE : My correspondence with WF was while I was physically working up in XXXX and I was not returning back into the states until sometime after late XX/XX/XXXX/up to XXXX of XXXX. NOTE : at NO time during any of this process of the money xferred into my account, was anything mentioned in ANY form including spoken or written about the money being transferred to me that my application from XXXX XXXX was accepted for the transfer amount of XXXX but NOT the balance transfer of the card at the 0 % rate that I had initially signed up for in XXXX of XXXX. I dealt on numerous occasions with multiple customer service employees at Wells Fargo after reviewing my online statements that the funds, in fact, had been transferred onto their new Wells Fargo Visa card at XXXX PERCENT and including their XXXX PERCENT TRANSFER FEE from the initial day the funds were electronically transferred into my personal account on XXXX XXXX, XXXX. I spoke to Wells Fargo customer representatives at least XXXX or XXXX on numerous occasions explaining that a mistake had been made on this balance transfer and I was concerned about that this was being charged at XXXX percent and was assured that they would resolve the issue and to give it time. Well finally after too much time going by and XXXX XXXX rolling up quickly with no resolution I called on XXXX XXXX and spoke with a XXXX so finally said that he would open up a case for my credit card and I would be hearing back from someone within a day or two. XXXX XXXX received a phone call from a XXXX who was a case manager at the executive office of Credit Cards. Her superiors name is XXXX XXXX and XXXX began to inform me that I had signed a document in XXXX stating that if I had a Wells Fargo Credit card offer already in play ( XXXX XXXX XXXX card I was giving in XXXX XXXX XXXX that I would be DENIED the XXXX Percent transfer rate to the new WF visa card but the funds would still go through of XXXX at a XXXX percent charge of the transfer plus an interest rate at XXXX percent. I asked why I only received half of the contract I signed to open up this new visa card and she explained that they do n't send out any time of rejections or denial responses in regards to the XXXX percent transfer when I do n't meet their qualifications. Offered me two months interest off but still needed to pay at XXXX percent. Nothing resolved ... XXXX interest added now!

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