Consumer complaint received 2026-06-11 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: UT

Complaint narrative:
I am filing this formal consumer complaint against Wells Fargo Bank due to severe administrative delays, failure to process compliance-mandated consumer identity verification documents, and providing conflicting, unfulfilled procedural timelines regarding my credit card application. On XX/XX/year>, I submitted an application for the Wells Fargo XXXX XXXX XXXX ( Application Reference Number : XXXX ). The application was subsequently placed on an administrative hold pending residential address verification. In strict accordance with explicit instructions provided by Wells Fargo customer verification representatives, I timely transmitted all requested legal proofs of residency via secure fax to the bank 's designated department at XXXX as follows : On XX/XX/year> : I transmitted my official XXXX XXXX XXXX Statement ( provided herewith as an attached document ), which clearly displays my full legal name and verified residential address. On XX/XX/year> : Following a subsequent telephonic directive from a Wells Fargo agent requiring a utility or phone bill to satisfy system protocols, I transmitted my official XXXX XXXX Invoice ( provided herewith as an attached document ), perfectly matching the identity and address parameters on file. I followed up telephonically via the bank 's official verification line at XXXX. Wells Fargo representatives explicitly confirmed that both documents were successfully received, verified, and electronically attached to my application file. I was then given a binding verbal assurance that a final underwriting review and application adjudication would be completed within a maximum window of XXXX business hours. That initial XXXX regulatory window expired with XXXX feedback, systemic action, or communication from the bank, leaving my application neglected in a pending state. Consequently, I contacted Wells Fargo customer service again on Tuesday, XX/XX/year>, during the opening hours of their business day at approximately XXXX XXXX. The representative openly acknowledged the bank 's internal processing omission, confirming that the documents were sitting idle without any underwriter feedback. The agent explicitly stated that she was manually re-submitting ( " XXXX '' ) my entire application packet to the dedicated underwriting review board with an " XXXX XXXX '' to mandate an immediate final decision. With the conclusion of Wells Fargo 's current official business week, more than XXXX full business days ( XXXX business hours ) have elapsed since that explicit manual escalation on Tuesday morning. The bank has once again failed to act, review the files, or provide a formal adjudication. Wells Fargos continuous pattern of procedural stagnation, systemic disregard for verified consumer compliance documentation, and repeated failure to adhere to their own escalated internal timelines constitutes a significant administrative failure. I hereby demand that Wells Fargo immediately audit my account notes, retrieve and review the recorded telephonic interactions from Tuesday, XX/XX/year>, and examine the submitted documentation to resolve this matter without further manufactured delay. Desired Resolution I request that Wells Fargo immediately conduct an expedited manual review of the verified compliance documents attached to Application Number XXXX ( specifically my attached XXXX XXXX XXXX Statement and my attached XXXX XXXX Invoice ), validate my residential address, and finalize the formal processing and adjudication of my XXXX XXXX XXXX application. I am a qualified applicant seeking a fair, merit-based credit evaluation of my application, free from any further administrative or processing delays.

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