Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is XXXX XXXX XXXX aka XXXX XXXX ) and this complaint is about my business credit card for entity called XXXX XXXX  ( aka XXXX XXXX ). On XX/XX/year>XXXX  I submitted a complaint with CFPB # XXXX on Wells Fargo for their inability to protect my accounts from fraud. I submitted tge complaint more as a service to them because the facts and circumstances surrounding the attempted fraud on XXXXXXXX  and a subsequent attempt on XXXXXXXX  strongly suggest that there is a security breach somehow with wells fargo that is allowing these fraud attempts. Please review that complaint for more details. 

This complaint is about a seperate but related issue. The facts summary is that on XXXX there was a fraud attempt on my business credit card for the above company. Wells flagged the transaction and contacted me. I called back and verified it was fraud. I was told the card woukd be closed and a new card would be issued. On XXXX i got an alert my new business card was on the way. Then on XXXX i got 6 fraud alerts on the new card i had not yet received. I again contacted Wells and no good explanation was provided as to how someone cud be attempting fraid on the new card when i havent even received or activated.These facts strongly indicated to me tgat Wells Fargo must have a breach or compromise to their systems. I am open to any alternative explanation. So I filed that complaint to alert them to this problem as now i no longer feel safe keeping money with hem for business or personal. 

This complaint is not duplicative although it has similar iperative facts. What i didnt realize when i filed my compkaint on XXXX was that Wells Fargo did not send me a replacement card to the business credit card. They went and closed my account in error.So on XXXX they alert me to fraud, i cobfirmed it with them, then they cancelled my card and the new business card they sent me on XXXX is to a seperate business entirely. They were supposed to send me XXXX XXXX credit card replacement. Instead they cancelled that card and instead sent me a business credit card for XXXX XXXX XXXX, a sole proprietership. I niticed and mentioned that the XXXX account disappeared from the app but i assumed it was cuz i needed to activate the card. But after calling in again on XXXX it became clear they cancelled the wrong card. I spent over an hour talking to someone only for her to tell me she was unable to get it reinstated.She was nice and all but i have spent literally hours and hours of my life on the phone with wells fargo these past few days and i dont see how they replaced the wrong account when they were the ones who alerted me to the fraud. So now im told i cant get my account back and i refuse to continue to subject myself to this punishment. I reported the unique and peculiar aspects of tgis fraud as a service to them- that an attempt was made on my XXXX  card and a subsequent attempt was made on the new card they mailed to me that i had nit received. But imagine now that this new fraud attempt was made not only on a new card just issued and not activated but also it was attempted on a different business entirely!! i wish XXXX XXXX cud be amended to the other compkaint because now tbis even more so indicates wells fargo and their systems must be the source of the fraud because the rep told me it was likely merchants who store my account info, which i knew was nonsense because i dont ever use the card... but how is it possible fraud is attempted on one card then another busibess entirely on a card that was freshly minted a few days prior? 

But i digress, this complaint is unique and different. I am not compkaining about the fraud. In this compkaibt i complain why did Wells notify me of fraud and then fail to ussue me a new card? Why do i have to spend hours on the phone only to be told i have to talk to someone else because you are having trouble reinstating an account i never closed? Remember back when you guys opened all kinds of new accounts in my name without my permission and you got in trouble for that? Yes that was a big scandal and widespread practice of yours. But now you are terminating accoubts without my consent. I never said close my XXXX credit card and you in fact told me you would issue me a new card. But because someone reissued me the credit card belonging to a different business entirely now nobidy knows how to put it back together how it was. And strangest thing of all, the moment you issue me a new credit card in error to an account i never asked for a new credit card on, that account suddenly experienced 5 or 6 attempts at fraud on a new nunber i had not even activated yet. Im tired of soending so much time on the phone only for u to make it worse.The fraud attempt on both occassions on both cards was for {$2.00} XXXX  charge. Do you have any idea how much time ive wasted being transfered around and writing complaibts over XXXX dollars? At first i did it as a service to you so u can identify your security problem.but now its really more like i feel you guys are bordering incompetence. I have frozen all my cards for all my accounts cuz who knows what could happen when the explanations i receive and the actions taken border on the absurd

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