Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The level of Customer Service Representative WF sends in to address a discrimination complaint and inconsistent and unfair lending practices is shocking. The employees lack experience, awareness, common sense, communication skills and more. This service approach where WF sends in bottom of the barrel talent to mistreat consumers and provide no service is unacceptable. I have asked WF for an accommodation due to a XXXX several times and have been ignored. 

Wells Fargo needs to stop sending marketing emails to consumers they have targeted for rejection, discriminately. They are harming consumer credit and driving up rates on financial products. It benefits WF and Credit Bureau investors, which are the same, and harms consumers. It is harmful practice that aligns with the predatory actions of all three credit bureaus. 

If WF does not provide rates at the preliminary inquiry, WF will not grant a personal loan. The personal lending process is unfair and discriminatory. 

The Customer Service model is equally harmful. You can not segregate the Customer Service employees and send in the uneducated, inexperienced, poor communication skills to provide low level/no service to low income customers and then deliver Master 's prepared, those from affluent areas to service high income earners. Demographic match in service I get but that's clearly not what's happening. 

I want a personal loan for {$3400.00}, longest term, no penalty for early payoff. My SSA Benefits will kick in XX/XX/year>. Send the paperwork electronically, via my secured online account, and I will sign. 

The CFPB has reported the inaccurate and harmful credit reporting to all three Bureaus and Wells Fargo response to my personal loan request XXXX days ago and as of yesterday all three are still working on correcting. All three will be sued if what they report prevents me from getting a personal loan. 

I will also accept a {$500.00} Flex Loan to be paid back in XXXX  months. This to show my worthiness and reliability that I have proven to Wells Fargo for XXXX  years for some reason is ignored. 

I have asked for all communication in writing, for comprehension and legal reasons, as I am senior with XXXX. For security and privacy, WF can also send communication in writing via my Secure Account. 

I will not be a party to undocumented conversations, with questionable customer service reps. Not all are questionable, only those sent to me. My guess is they were hand picked. If WF needs to speak with me before loan funds are distributed, provide a Masters prepared, experienced employee in Personal Lending that I can call directly to confirm after signing loan paperwork online prior to receiving my funds. 

Do not jeopardize my account in any way as I am a senior with a XXXX that has set up my checking account with XXXX for payments. Any disruption to my checking account will jeopardize my life. 

WF has had serious high loss issues in the past and I have been a tried and true reliable customer that for some reason has received disparate service and constant targeted rejections. I do not believe some of the serious issues at WF have been resolved as there are still inconsistent issues with lending.

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