Credit card -- Trouble using your card -- Complaint #9673733
Complaint Overview
Complaint ID: 9673733
Company: Wells Fargo & Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Ohio
ZIP Code: 45440
Date Received: 2024-07-31T12:00:00-05:00
Date Sent to Company: 2024-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
- XXXX & XXXX XX/XX/year> : Contacted Wells Fargo about terms of use of their Reflect card with 0 % for 21 months. I needed to make a large purchase by XXXX XX/XX/year> to get the discount offered by the retailer. XXXX different Wells Fargo representatives assured me that, if approved online, I could make my purchase - PRIOR TO RECEIVING MY ACTUAL CREDIT CARD - through the Wells Fargo app on my android cell phone, using the Digital Wallet feature. I again reiterated that I needed to ensure that I could use this feature for my large purchase prior to receiving my actual credit card. Both Wells Fargo representatives concurred that I could. - XXXX XX/XX/year> : I applied online and was immediately approved for the Wells Fargo Reflect Credit Card with the 0 % for 21 months. - XXXX & XXXX XXXX : I spoke with XXXX different Wells Fargo representatives to get the Wells Fargo XXXX XXXX feature set-up on my android cell phone. Finally- after at least a total of XXXX hours over XXXX days, the final representative assured me I was all set-up and I could make a purchase. - XXXX XX/XX/year> : I tried twice to make the purchase using the XXXX XXXX but was DECLINED. Wells Fargo Fraud Dept. called me to verify my purchase but informed me it may not be approved because I didnt have my actual credit card - COMPLETELY CONTRARY TO WHAT THE THREE PREVIOUS REPRESENTATIVES HAD ASSURED ME! He told me to try the purchase the following day. He provided me the direct fraud dept. phone # XXXX and informed me to call them direct with any further purchase problems. - XXXX XX/XX/year> : I went back to the original retailer to make my purchase- again I was declined using the XXXX XXXX app. I immediately called the fraud dept. After over XXXX minutes talking to XXXX representatives, I WAS TOLD I COULD NOT MAKE THE PURCHASE SINCE I DIDNT HAVE MY ACTUAL CREDIT CARD!!! CONSUMER COMPLAINT : Wells Fargo is employing fraudulent claims to consumers. Before I applied for their credit card, numerous Wells Fargo representatives assured me I could use my account PRIOR to receiving the actual credit card by using their app and XXXX XXXX - however, they knew this was misleading and false. Request CFPB immediately formally notify Wells Fargo to cease and desist providing false information to consumers.
Frequently Asked Questions
What is Complaint #9673733 about?
Complaint #9673733 was filed against Wells Fargo & Company regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-07-31T12:00:00-05:00.
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) 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.