Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, XXXX XXXXI am filing this formal complaint regarding Wells Fargos refusal to allow me to close my account, liquidate my balance, or prevent future charges, despite my explicit and repeated attempts to do so. XXXX XXXX XXXX XXXX XXXX I contacted Wells Fargo by telephone, more than 3 times, and requested the immediate closure and liquidation of my account ending in [XXXX]. I asked for an email address or official method to submit my request in writing, as advised by your policies. The representative refused to provide such contact information, and did not close the account or offer any acceptable path forward. XXXX XXXXThis has created a clear obstruction to my rights as a consumer. The refusal to provide a means of formal closure is especially alarming in light of the fact that the account is currently under a 0% APR promotional period, which is about to expire. Despite my intention to pay off the balance in full, your system has restricted my ability to make payments beyond the minimum  leaving me at risk of falling into high-interest debt through no fault of my own. XXXX XXXXI have made multiple attempts to resolve this issue over the phone in previous weeks. On several occasions, your representatives have abruptly ended calls without explaining what they needed from me, or without completing the conversation. These interactions were not recorded, but the pattern has been consistent and frustrating. Only the XXXX XXXX call was recorded. XXXX XXXXFurthermore, I have now filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding this matter. I have uploaded all relevant evidence, including call recordings and correspondence, to the CFPB complaint portal. The complaint details how Wells Fargo is blocking any attempt to restore access or to pay off my balance before your illegal fees and interest charges can be applied. XXXX XXXXAs a result, I am now demanding the following: XXXX XXXXImmediate closure of the account in question, effective as of XXXX XXXX XXXX XXXX XXXXFull liquidation and disbursement of any remaining balance to me. You can email me to my email address on file to debit the payment from your preferred bank account. XXXX XXXXWritten confirmation of account closure with no future fees, charges, or interest applied as promised by your 0% APR, sketchy promotionsXXXX XXXX XXXXCancellation of any interest that might accrue due to blocked payments after the 0% APR period. XXXX XXXXMonetary compensation for the time wasted, the distress caused by this unresolved and mishandled matter, and for the failure of your representatives to act in good faith. XXXX XXXXIf this issue is not resolved immediately, I will: XXXX XXXXFollow up with the CFPB to escalate enforcement actions XXXX XXXXFile a complaint with my State Attorney Generals Office XXXX XXXXPursue action in small claims court to recover both financial and non-financial damages XXXX XXXXConsider participating in or initiating a class action if this reflects a broader company practice XXXX XXXXI request a written response within 10 business days confirming closure and compensation details. You can try by email, or you can send your response to my current Hotel, in XXXX XXXX, seeing that Im traveling right now. As you see on the envelopes address. XXXX XXXXSincerely, XXXXXXXX XXXX XXXX XXXXXXXXAbout the account number, credit card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBelow we have the links to the evidence, and proves that I was trying to find a way to pay and close the account, but they weren't even allowing me to do soXXXXEven after passing all the security measures. Address confirmation. OTP verification, etc. etc.XXXX

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