Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Complaint Against Wells Fargo XXXX Credit Limit Reductions Creating a Misleading Credit Profile and Financial Harm I am filing this complaint against Wells Fargo regarding repeated credit limit reductions that are directly tied to my repayment activity and that have caused ongoing harm by misrepresenting my creditworthiness. This is not a one-time event. It is a documented and repeated pattern supported by account statements and transaction history. Timeline of Documented Events XX/XX/XXXX Credit limit : {$9500.00} Balance : ~ {$9100.00} Late XXXX Early XX/XX/XXXX I made a large payment of approximately {$2200.00} Balance reduced to ~ {$7000.00} Immediately after ( XX/XX/XXXX statement period ) Wells Fargo reduced my credit limit from {$9500.00} {$7300.00} XXXX XXXX XXXX I made two payments totaling {$2000.00} XX/XX/XXXX ( immediately following payments ) Wells Fargo reduced my credit limit again from {$7300.00} {$5100.00} Pattern Identified In both instances : I made significant payments reducing my balance Within the next statement cycle or immediately after Wells Fargo reduced my available credit This is not random timing it is a repeatable sequence tied to repayment behavior. Resulting Harm and Misrepresentation These actions caused : My credit utilization to spike artificially ( up to ~96 % ) My credit profile to show high risk despite active repayment Third-party lenders to receive a misleading view of my financial behavior Example : If my original limit had remained : ~ {$4800.00} balance on {$9500.00} limit ~50 % utilization ( accurate ) After Wells Fargo reductions : ~ {$4900.00} balance on {$5100.00} limit ~96 % utilization ( misleading ) This creates the false appearance that : I am not reducing debt I am increasing risk I am overextended None of which reflects reality. Why This Is a Consumer Protection Issue While lenders may adjust credit limits, this situation raises serious concerns because : The reductions occur immediately after large payments The result is a distorted and harmful credit profile My responsible behavior is systematically negated I am effectively prevented from improving my credit standing This pattern creates a situation where : Paying down debt does not improve my credit profile, and instead results in negative reporting outcomes. That is fundamentally unfair and misleading in effect, regardless of internal policy justification. Real-World Impact As a result of these actions : My credit score has dropped significantly My ability to qualify for loans has been negatively affected I have been placed in a cycle where : I pay down debt My limit is reduced My utilization increases again This creates ongoing financial harm and blocks forward progress. This issue is not about a single credit decision. It is about a repeated pattern where positive financial behavior is followed by actions that negate its benefit and create a misleading credit profile. I am asking for this to be reviewed not just as an internal policy decision, but as a matter of consumer fairness and accurate credit representation. Supporting Evidence Provided I have submitted documentation showing : Statement periods and balances Payment history ( including {$2000.00} payments ) Credit limit reductions immediately following payments Utilization increases caused by those reductions Timeline alignment between payments and limit decreases

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 non-monetary relief