Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5189900
Complaint Overview
Complaint ID: 5189900
Company: Wells Fargo & Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: California
ZIP Code: XXXXX
Date Received: 2022-02-05T12:00:00-05:00
Date Sent to Company: 2022-02-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I used to have XXXX XXXX Credit Card from Wells Fargo, which was closed in winter XXXX. That card had certain benefits, such as Cellular Telephone Protection, Retail Protection, Extended Warranty, Worldwide Travel Inconvenience Insurance : For Lost or Damaged Baggage, etc. Those benefits were supposed to be covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When I filed a claim for my losses, XXXX XXXX XXXX denied it with false reasons. I filed an appeal, and it was not even responded to. So, the guide of benefits specified that all disputes were supposed to be arbitrated by XXXX XXXX XXXX ( XXXX XXXX. When I filed my request for arbitration with XXXX and served with my XXXX XXXX XXXX XXXX and its representative, XXXXXXXX XXXX XXXX, they refused to participate in arbitration, and XXXX administratively closed my Case Number : XXXX. The XXXX 's decision clearly stated that Wells Fargo was supposed to remove XXXX XXXX XXXX as its underwriter from its guide of benefits. However, Wells Fargo refused to obey that decision and it didn't remove XXXX XXXX XXXX from its guide of benefits. When I filed my complaint with CFPB XXXX, Wells Fargo responded that my card was closed in XXXX, therefore I lost all benefits in XXXX. Well, first of all, even if my card was closed in XXXX, any claim I filed prior to that was supposed to be properly responded and arbitrated within allowed time period. Second, my card was still open in XXXX, and it was closed in XXXX ; however, I filed my claim with XXXX XXXX XXXX prior to my card was closed, that was why XXXX XXXX XXXX was supposed to review my claim and respond to my appeal, which it didn't do. Besides that, all disputes related to the claims filed prior to the card closure were supposed to be arbitrated with XXXX, which XXXX XXXX XXXX refused to do as well. So, I request another time to remove XXXX XXXX XXXX from Wells Fargo XXXX XXXX XXXX XXXX XXXX decision clearly stated.
Frequently Asked Questions
What is Complaint #5189900 about?
Complaint #5189900 was filed against Wells Fargo & Company regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-02-05T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.