I sometimes feel looking back on what happened to me, that it was a business decision. Wells Fargo did actually and actively lend to the Black/African Americans & Hispanic population but those loans were more profitable than those to White/Caucasions. I do know for a fact in my case that the branch manager was helping the person that stole my identity to provide proof he had a real Social Security Card. http://www.voxxi.com/wells-fargo-discrimination-hispanic-borrowers-175m-settlement/
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