Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit card with Wells Fargo as well as other banking accounts. I have always had no sharing of information, as is required under California Law, for many years with Wells Fargo, I have no selling Opt out with XXXX, as I had identity theft prior. I have NO IDEA WHO THE THIRD PARTY IS.. 

They will not provide the credit information or not let me access it, as is stated today on my account. Unless I agree to their outrageous terms. 
They State the Following We've made enhancements to help you better understand, monitor, and take action on your credit score. You'll need to agree to the updated terms and conditions and reenroll to keep using this service. 

Following is what they want me to sign, violates all California allowed requirements. I just want like I have always had my XXXX  score from their provider XXXX and NOT FORCING me to have information shared for marketing purposes or my XXXX  score shared with anyone but me and Wells Fargo. I do not want people being allowed to market to me call me at XXXX in the morning. Should quite simply not be allowed, I do not want my information shared with your affiliates to include MY XXXX  score they State. 

I have filed a complaint with Wells Fargo directly about this matter, and that complaint number is Case # XXXX. 
Wells Fargo XXXX XXXX XXXX Addendum to the Wells Fargo Online Access Agreement Effective as of XX/XX/2021 This XXXX  ( " XXXX  '' ) and the Wells Fargo XXXX XXXX XXXX ( " XXXX  '' ) contain the terms and conditions governing your use of the Credit Close-UpSM service. If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the XXXX. If there is a conflict between this Addendum and the XXXX, this Addendum will control with regard to the Credit Close-UpSM service.

Please read this Addendum carefully. By agreeing to this Addendum, or by accessing or using the Credit Close-UpSM service, you are agreeing to the terms and conditions of this XXXX  and the XXXX. This Addendum and the XXXX  include, among other things : your consent to Wells Fargo accessing and using your consumer report your consent to Wells Fargo sharing information in your consumer report with its affiliates our obligations to you your obligations as a user of the Credit Close-UpSM service your agreement to use binding arbitration, and to waive the right to a trial by jury, for most disputes with XXXX, XXXX, and us arising under this Addendum or relating to the Credit Close-UpSM service your waiver of class-action rights limitations on liability to you Your agreement to this Addendum is essential to our agreement to provide the Credit Close-UpSM service to you. If this Addendum is unacceptable to you at any time, you should terminate your enrollment in the Credit Close-UpSM service. 

1. Definitions Except as otherwise provided in this Addendum, terms defined in the XXXX  have the same meaning in this Addendum. In addition, in this Addendum : " XXXX '' refers to XXXX XXXX, an XXXX service provider that facilitates our provision of the Credit Close-UpSM service to you. 
" XXXX '' refers to XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency. 
" XXXX Scores '' refers credit scores created by XXXX XXXX XXXX " We, '' " Us, '' " Our, '' and " Wells Fargo '' refer to Wells Fargo Bank, XXXX 
" You '' and " your '' refer to you as the person entering into this Addendum. 
2. Eligibility To enroll in the Credit Close-UpSM service, you must be a Wells Fargo account holder enrolled in Wells Fargo Online , a resident of the United States ( or a United States territory ), and at least XXXX XXXX XXXX. XXXX Scores will be delivered only to the Wells Fargo account holder and only if a XXXX Score is available for the Wells Fargo account holder. In some circumstances, such as if your account is closed, charged-off, or recently-opened, or if we are unable to verify your identity, you may not be eligible to receive a XXXX  Score through the Credit Close-UpSM service.

3. Authorization to obtain consumer report and credit score By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you are providing Wells Fargo and its service providers, including XXXX, with " written instructions '' in accordance with the federal Fair Credit Reporting Act and any other applicable laws to access and use consumer report information about you from one or more consumer reporting agencies. You authorize us to access and use this information, including your XXXX  Score, to present you with an overview of your credit profile, to present you with credit and financial guidance, to offer products and services that may be of interest to you, for internal analytics, and for other purposes related to your relationship with us. In connection with the Credit Close-UpSM service, we may use your Social Security number to access your consumer report and to verify your identity. 

Obtaining your XXXX  Score through the Credit Close-UpSM service results in a soft credit inquiry on your credit report. This soft credit inquiry does not affect your XXXX  Score. 

4. Consent to affiliate sharing of consumer report and credit score information By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you consent to us sharing the consumer report information that we obtain about you in connection with the Credit Close-UpSM service, including your XXXX Score, with our affiliates. As outlined in our Privacy Policy, you may limit our sharing of some information about you with our affiliates. Please note, however, that limiting our sharing of information about you with our affiliates consistent with our Privacy Policy will not terminate your enrollment in the Credit Close-UpSM service or revoke your consent to share the consumer report information we obtain about you in connection with the Credit Close-UpSM service with our affiliates. You must terminate your enrollment in the Credit Close-UpSM service if you want us to stop obtaining new consumer report information about you in connection with the Credit Close-UpSM service. 

5. XXXX Credit Score The XXXX Score presented to you through the Credit Close-UpSM service is for your educational, non-commercial, and personal benefit and use only. The XXXX  Score presented to you may not be the credit score we use to make account opening or credit decisions, and we may use other XXXX Scores and other information to review an application for a credit or deposit account. 

Your XXXX  Score reflects a general snapshot of your credit profile at a specific point in time, and it can vary from month to month. The credit file used to create your XXXX  Score is updated continuously, and the XXXX  Score presented to you through the Credit Close-UpSM service may not reflect the most current data in your credit file. 

6. XXXX agreement and class-action waiver Please read this section carefully as it affects your rights. 

The Credit Close-UpSM service is part of Wells Fargo Online and subject to the XXXX, and with regard to Wells Fargo , the XXXX  governs the arbitration of any disputes relating in any way to this Addendum or the Credit Close-UpSM service. 

By enrolling in the Credit Close-UpSM service and agreeing this Addendum, and pursuant to the Federal Arbitration Act, you also agree that any dispute between you and XXXX or its service providerXXXX XXXX relating in any way to the Credit Close-UpSM service or this Addendum will, at your election or at the election of XXXX or XXXX, be resolved through binding arbitration and not through litigation in any court of general jurisdiction. ( XXXX and XXXX will not seek to arbitrate any claim filed by you in small claims court so long as the claim is asserted only on an individual basis and pending only in small claims court. ) Binding arbitration of any dispute between you and XXXX or XXXX relating in any way to the Credit Close-UpSM service or this Addendum will be administered by the XXXX XXXX XXXX ( XXXX XXXX '' ) under its rules for consumer arbitrations, and you may contact the XXXX  to initiate arbitration or to obtain more information about arbitration. 

You agree that this agreement to arbitrate disputes between you and XXXX or XXXX should be construed broadly, and you agree that any dispute between you and XXXX or XXXX regarding the arbitrability of any claim relating in any way to the Credit Close-UpSM service or this Addendum will also be decided through binding arbitration. You agree that this agreement to arbitrate disputes between you and XXXX or XXXX encompasses, not only claims by you against XXXX and XXXX, but also claims by you against XXXX 's or XXXX 's affiliates and service-providers relating in any way to the Credit Close-UpSM service or this Addendum. Any disputes or claims against XXXX or XXXX relating to your credit report or arising out of the federal Fair Credit Reporting Act ( or its state law equivalents ) are not, however, subject to this arbitration agreement. 

At your request, XXXX or XXXX will promptly reimburse you for your payment of any arbitration filing fee. If you are unable to pay an arbitration filing fee, XXXX or XXXX will pay the fee directly after receiving a written request from you. XXXX or XXXX will pay all arbitration costs associated with the arbitration of any nonfrivolous dispute between you and XXXX or XXXX relating in any way to the Credit Close-UpSM service or this Addendum. Moreover, you, XXXX, and XXXX will be entitled to recover attorneys fees from each other in arbitration to the same extent you, XXXX, and XXXX would be able to recover attorneys fees in court. 

Arbitration of any dispute between you and XXXX or XXXX relating in any way to the Credit Close-UpSM service or this Addendum will be governed by the Federal Arbitration Act. The arbitrator of any such dispute will apply all applicable laws, including statutes of limitations, and privileges to the arbitration, but the arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to discovery or evidence. Subject to the limitations on arbitration set forth below, the arbitrator may award any relief available in court, and judgment may be entered on any such arbitration award in any court with appropriate jurisdiction. 

You agree that, by enrolling in the Credit Close-UpSM service, and agreeing to this addendum, you, XXXX, and XXXX are each waiving the right to resolve any dispute relating in any way to the Credit Close-UpSM service or this addendum through a jury trial. You also agree that you, XXXX, and XXXX may assert claims relating in any way to the Credit Close-UpSM service or this addendum on an individual basis only, and you waive any ability you may have to assert claims relating in any way to the Credit Close-UpSM service or to this addendum as a plaintiff or class member in any purported class or other representative proceeding. 

You agree that, if you, XXXX, or XXXX elect to resolve a dispute relating in any way to the Credit Close-UpSM service or this Addendum through binding arbitration, the dispute will be arbitrated on an individual basis only. Disputes between you, XXXX, or XXXX relating in any way to the Credit Close-UpSM service or this Addendum representative capacity on behalf of the general public or other persons similarly-situated. The arbitrators authority is limited to disputes between you, XXXX, and XXXX alone. Claims may not be consolidated or joined in arbitration unless, you, XXXX, and XXXX agree otherwise in writing, and an arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking it and only to the extent necessary to provide relief warranted by the partys individual claim. An arbitration award and any judgment confirming it will apply only to that specific case and can not be used in any other case except to enforce an arbitration award. If any portion of the foregoing limitations on arbitration is invalid or unenforceable, then this agreement to arbitrate disputes between you, XXXX, and XXXX relating to the Credit Close-UpSM service or this Addendum ( other than this sentence ) will be null and void. 

This section of this Addendum will survive termination of your enrollment in the Credit Close-UpSM service. Except as provided above in relation to limitations on arbitration, a finding that any provision of this section this Addendum is invalid or unenforceable will not affect the validity or enforceability of any other provision of this section of this Addendum. 

7. Limitation of liability By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you agree that Wells Fargo XXXX XXXX, and XXXX, are not liable to you for any damages, injuries, or losses arising from or relating to the Credit Close-UpSM service. You further agree that your use of the Credit Close-UpSM service is at your sole risk and that the Credit Close-UpSM service, including all content and information available through the Credit Close-UpSM service, is provided to you on an " as is '' basis and subject to change at any time without notice to you. 

8. No warranties Wells Fargo, XXXX, and XXXX  are not responsible for any delay or failure to obtain a XXXX Score for you, and you acknowledge that Wells Fargo, XXXX, and XXXX  make no warranty that the Credit Close-UpSM service will be uninterrupted, secure, or error-free. Wells Fargo, XXXX, and XXXX  expressly disclaim all warranties, representations, and conditions of any kind relating in any way to the Credit Close-UpSM service or to any content or information available through the Credit Close-UpSM service. 

9. Indemnification By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you agree to defend, hold harmless, and indemnify, Wells Fargo XXXX XXXX, and XXXX  from and against all claims, damages, expenses, liabilities, and losses ( including attorneys ' fees ) arising out of, relating to, or resulting from your violation of this Addendum or your misuse of the Credit Close-UpSM service. 

10. New features We may, from time to time, introduce new features to the Credit Close-UpSM service. Similarly, we may modify or discontinue existing features. By accessing or using any new or modified features, you agree to be bound by the terms and conditions governing those features.

11. Termination of enrollment You may terminate your enrollment in the Credit Close-UpSM service at any time by selecting the opt-out link within the Credit Close-UpSM service. You agree that you will opt-out of the Credit Close-UpSM service if you want us to stop obtaining new consumer report information about you in connection with the Credit Close-UpSM service or if you no longer want to receive communications about the Credit Close-UpSM service. 

We may restrict, suspend, or terminate your enrollment in the Credit Close-UpSM service at any time and for any reason without prior notice.

12. Wells Fargo account information Any Wells Fargo account information provided to you through the Credit Close-UpSM service is not the official record of your account or its activity. Your Wells Fargo account statements, furnished to you in a paper format ( or electronically if you are enrolled in paperless statements service ), are the official record of your account and your account activity.

13. Credit repair disclaimer Neither Wells Fargo nor Fair Isaac Corporation are credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Neither Wells Fargo nor Fair Isaac Corporation provide " credit repair '' services or advice or assistance regarding " rebuilding '' or " improving '' your credit history, credit rating, or credit record. 

14. Trademark information XXXX is a registered trademark of Fair Isaac Corporation in the United States and other countries.

2021 Wells Fargo Bank, XXXX All rights reserved. Some content provided by XXXX, which is 2021 XXXX XXXX XXXX. All rights reserved.

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