Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I applied for a loan through my bank Wells Fargo. I have perfect credit, a high credit score, credit cards are paid in full at end of month. I was shocked when the guy, and I didnt get this name, because I was shocked at his immediate denial and rudeness. If Im not mistaken he said I would get a denial letter in 60 days, which I thought was a long time. I waited 60 days, and never received denial letter. On XX/XX/year> @ XXXXXXXX XXXX I contacted customer service and spoke to a girl by the of XXXX. I explained to her what happened, and I didnt receive a denial letter. She went on to explain why I was turned down. She said, I checked, XXXX. ( XXXX ) Not enough income. ( XXXX ) Amount owed too high. ( XXXX ) Credit too high. ( XXXX ) Too few accounts paid as agreed. I asked, where did you come up with that?! I knew what she was telling me was not right. She said, you did not put down an income amount. I knew that was also wrong. Why was I not questioned about not showing an income? I know there was an income listed. I said, why is it when I checked my credit, there was no hard pull on my credit? I told her I wanted a copy of my online credit application. She said, she could not send it to me, but I could look on my Wells Fargo app, where I do all my banking and I can look at it on there. I hung up, went on my app where she instructed, but the information was not available. She said, the decision was made based on my XXXX  credit report. I hung up and pulled my XXXX  report, that I found even more disturbing. My XXXX  report showed that on XX/XX/year> my XXXX XXXX increased XXXX points, putting it even higher in the XXXX range. It also said, my credit changed from XXXX XXXX XXXX XXXX Under where it said, Whats Hurting : It said, No Negative Factors Impacting My Credit Score. It said nothing about the ( XXXX ) reasons I was turned down for credit by Wells Fargo. On XX/XX/year> @ XXXXXXXX XXXX I contacted another number that said for my complaint to be Escalated. I spoke with a woman by the name of XXXX. She acted so overly nice, she almost sounded like it was an act. I explained to her what I was told by XXXX. I explained that I never received a Denial letter. I think her response was, Oh no, thats not good, as she was dragging the answer out trying to be extremely nice. I told her I wanted a copy of my credit application that they claim I had not put down an income. I told her that I also looked at my XXXX  report they claimed they had gotten their information from, and none of what XXXX told me was in the XXXX  report, and if I were a loan officer, and looking at my report, that would have been no problem. I understood she was going to send me a copy of my app. Today is XX/XX/year>, and I have not heard anything. They had access to mine and my husbands account, and could have easily saw the amount of money that goes into our account. Yes, my husband and I are retired, but not ancient, or demented. We owed nothing on our home. We wanted a loan to remove XXXX trees on our property, which some were putting our home in danger. We also wanted to update and do a few repairs. We had no problem getting a HELOC within a couple of days. I feel that I was discriminated against for being retired. Nobody from Well Fargo seems to really want to back up why they are really claiming to deny me for a loan. The loan ID they provided me is : # 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