Credit card or prepaid card -- Getting a credit card -- Complaint #5550457
Complaint Overview
Complaint ID: 5550457
Company: Wells Fargo & Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: South Carolina
ZIP Code: 29063
Date Received: 2022-05-06T12:00:00-05:00
Date Sent to Company: 2022-05-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I received a Letter from Wells Fargo dated XX/XX/2022 denying me a credit card. ( Application XXXX ) In the letter was information from XXXX about my negative credit rating ( XXXX ) and delinquencies on payments. 1. I never applied for this credit card. 2. My credit rating has always been in the high XXXX or low XXXX. I checked with XXXX on XX/XX/2022 my credit score was XXXX ). 3. I contacted Wells Fargo four times by phone informing them I did not apply for their credit card and to immediately cancel the fraudulent application. 4. The result of all four phone contacts is that Wells Fargo has not cancelled the application. 5. If Wells Fargo does not cancel this fraudulent application but instead categorizes it as being denied for credit issues while using erroneous, incorrect information it will appear on my credit report as being denied. 6. Wells Fargo obviously furnished XXXX incorrect information from a fraudulent application that was not my correct information. 7. I received a letter and five page Declaration of Fraud form from Wells Fargo. The form asks me to investigate whether or not this is a fraudulent application. Additionally the form threatens me with criminal prosecution if I submit a false declaration. 8. I am unclear why and how I am responsible for investigation of this fraudulent application. Particularly since it was Wells Fargo that submitted erroneous, falsified information about me to XXXX. I have never experienced this level of arrogance, and unprofessional behavior from a service company that charges fees for their services. I have been a professional government official for 50 years and have never witnesses this level of incompetence.
Frequently Asked Questions
What is Complaint #5550457 about?
Complaint #5550457 was filed against Wells Fargo & Company regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-05-06T12:00:00-05:00.
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.