How are they still in business?! Sorry about your experience
@acb5456 wrote:This is a PSA for anyone considering a credit card account at Wells Fargo:
I applied for the Wells Fargo Cash Wise card 3 weeks ago to take advantage of the intro. bonus of $200 (I know, I know, should have steared clear of WF but I figured, eh, wth? Right?).
Got the card the next week and immidiately activated the card and made a large purchase to clear the spending bonus and get that out of the way--no problem.
Afterwards, I call them to set up my online account becuase the Enroll Online function on their website says that they cannot verify my identity with my SSN and credit card number. I'm already annoyed becuase it just figures that WF, of all lenders, wouldn't let me sign up for Online Access like any other lender would be able to do no problem.
So i call the number that's provided. A nice lady answers and verifies ALL of my info--SSN, name, address, DOB, you name it, she got it. Then she put me on hold. Came back and said she would need to transfer me to Risk Management to verify my identity.
Got RM on the line--asks the SAME questions, then states that he will need to send me a verification code to my number on file, sent. Got the code and read it out loud to him--he seemed skeptical right off the bat, even asking me to repeat it THREEEEEE times, asking if I "was sure" that this was the number. It was correct, and we moved on. He then put me on hold. Came back and said he needed to transfer me to another department (I JUST WANT TO BE ABLE TO SEE MY ACCOUNT!!!)
Transferred, this time to the same folks i had earlier. They asked THE SAME QUESTIONS and even sent another code---got that one right too.
She put me on hold and then came back and said she had to transfer me to Risk Management...again.
I was hot at this point. I just want to see my balance so I can budget.
RM gets on the phone and the lady is downright rude, insinuiating that I wasn't who i say I am. Really? I've verified every ounce of info you needed all down to everything but my blood type and you don't think I am who i say I am?! She then states that I will need to VISIT MY LOCAL BRANCH to verify my identity! SERIOUSLY?! I agreed and hung up.
Visited the closest branch on Friday of last week and sat there for 45 minutes with the Rep on the phone with RM, getting literally nowhere. He was nice but he couldn't tell me why they were blocking me from online access and why they couldn't verify who I am. (I'M IN PERSON at this point). He says wait until Wednesday of this week and you will be able to use the online funtion and create your username and password. I leave.
Wednesday evening comes and NOPE, no hope trying to create anything online. I call, again, and the guy verifies everything all over again and puts me on hold. Then sends me a code, verified. Then states that he can no longer help me and i will recieve a letter in the mail with further instructions and hangs up on me.
**bleep**?! I want to see my bill, get my rewards, pay it and CLOSE THIS STUPID CARD.
Please, for the love of God, stay away from Wells Fargo. PSA over.
This sounds like a headache, indeed.
When you went to the branch, did you get the business card of the person who assisted you? If you did, use that person as your 'contact', since obviously they have physically verified your ID and will be familiar with what's going on. The caveat is that with WF the bank side is separate from the credit card side so the branch won't be able to 'fix' the problem themselves, but at a minimum the bank employee who helped you in person will be able to verify your ID, which seems to be where the issue lies.
When I've dealt with similarly "sticky" situations in the past I've found that having a person's name, email, and phone number can work wonders, especially if they know I'll keep coming back to them until the issue is resolved. 
@UncleB wrote:
@acb5456 wrote:This is a PSA for anyone considering a credit card account at Wells Fargo:
I applied for the Wells Fargo Cash Wise card 3 weeks ago to take advantage of the intro. bonus of $200 (I know, I know, should have steared clear of WF but I figured, eh, wth? Right?).
Got the card the next week and immidiately activated the card and made a large purchase to clear the spending bonus and get that out of the way--no problem.
Afterwards, I call them to set up my online account becuase the Enroll Online function on their website says that they cannot verify my identity with my SSN and credit card number. I'm already annoyed becuase it just figures that WF, of all lenders, wouldn't let me sign up for Online Access like any other lender would be able to do no problem.
So i call the number that's provided. A nice lady answers and verifies ALL of my info--SSN, name, address, DOB, you name it, she got it. Then she put me on hold. Came back and said she would need to transfer me to Risk Management to verify my identity.
Got RM on the line--asks the SAME questions, then states that he will need to send me a verification code to my number on file, sent. Got the code and read it out loud to him--he seemed skeptical right off the bat, even asking me to repeat it THREEEEEE times, asking if I "was sure" that this was the number. It was correct, and we moved on. He then put me on hold. Came back and said he needed to transfer me to another department (I JUST WANT TO BE ABLE TO SEE MY ACCOUNT!!!)
Transferred, this time to the same folks i had earlier. They asked THE SAME QUESTIONS and even sent another code---got that one right too.
She put me on hold and then came back and said she had to transfer me to Risk Management...again.
I was hot at this point. I just want to see my balance so I can budget.
RM gets on the phone and the lady is downright rude, insinuiating that I wasn't who i say I am. Really? I've verified every ounce of info you needed all down to everything but my blood type and you don't think I am who i say I am?! She then states that I will need to VISIT MY LOCAL BRANCH to verify my identity! SERIOUSLY?! I agreed and hung up.
Visited the closest branch on Friday of last week and sat there for 45 minutes with the Rep on the phone with RM, getting literally nowhere. He was nice but he couldn't tell me why they were blocking me from online access and why they couldn't verify who I am. (I'M IN PERSON at this point). He says wait until Wednesday of this week and you will be able to use the online funtion and create your username and password. I leave.
Wednesday evening comes and NOPE, no hope trying to create anything online. I call, again, and the guy verifies everything all over again and puts me on hold. Then sends me a code, verified. Then states that he can no longer help me and i will recieve a letter in the mail with further instructions and hangs up on me.
**bleep**?! I want to see my bill, get my rewards, pay it and CLOSE THIS STUPID CARD.
Please, for the love of God, stay away from Wells Fargo. PSA over.
This sounds like a headache, indeed.
When you went to the branch, did you get the business card of the person who assisted you? If you did, use that person as your 'contact', since obviously they have physically verified your ID and will be familiar with what's going on. The caveat is that with WF the bank side is separate from the credit card side so the branch won't be able to 'fix' the problem themselves, but at a minimum the bank employee who helped you in person will be able to verify your ID, which seems to be where the issue lies.
When I've dealt with similarly "sticky" situations in the past I've found that having a person's name, email, and phone number can work wonders, especially if they know I'll keep coming back to them until the issue is resolved.
UncleB this is sound advice, I agree with it, makes total sense. So, I'm going to flip this around again and do a Mic drop for the OP:
At this point, you are working for your credit, your credit is NOT working for you. The saying we all express here is not in motion, it should not take this much effort to ever spend money and give it to a bank. Time to use a bank/lender that appreciates and wants your business thus makes it easy.
@Cred4All wrote:
@UncleB wrote:
@acb5456 wrote:This is a PSA for anyone considering a credit card account at Wells Fargo:
I applied for the Wells Fargo Cash Wise card 3 weeks ago to take advantage of the intro. bonus of $200 (I know, I know, should have steared clear of WF but I figured, eh, wth? Right?).
Got the card the next week and immidiately activated the card and made a large purchase to clear the spending bonus and get that out of the way--no problem.
Afterwards, I call them to set up my online account becuase the Enroll Online function on their website says that they cannot verify my identity with my SSN and credit card number. I'm already annoyed becuase it just figures that WF, of all lenders, wouldn't let me sign up for Online Access like any other lender would be able to do no problem.
So i call the number that's provided. A nice lady answers and verifies ALL of my info--SSN, name, address, DOB, you name it, she got it. Then she put me on hold. Came back and said she would need to transfer me to Risk Management to verify my identity.
Got RM on the line--asks the SAME questions, then states that he will need to send me a verification code to my number on file, sent. Got the code and read it out loud to him--he seemed skeptical right off the bat, even asking me to repeat it THREEEEEE times, asking if I "was sure" that this was the number. It was correct, and we moved on. He then put me on hold. Came back and said he needed to transfer me to another department (I JUST WANT TO BE ABLE TO SEE MY ACCOUNT!!!)
Transferred, this time to the same folks i had earlier. They asked THE SAME QUESTIONS and even sent another code---got that one right too.
She put me on hold and then came back and said she had to transfer me to Risk Management...again.
I was hot at this point. I just want to see my balance so I can budget.
RM gets on the phone and the lady is downright rude, insinuiating that I wasn't who i say I am. Really? I've verified every ounce of info you needed all down to everything but my blood type and you don't think I am who i say I am?! She then states that I will need to VISIT MY LOCAL BRANCH to verify my identity! SERIOUSLY?! I agreed and hung up.
Visited the closest branch on Friday of last week and sat there for 45 minutes with the Rep on the phone with RM, getting literally nowhere. He was nice but he couldn't tell me why they were blocking me from online access and why they couldn't verify who I am. (I'M IN PERSON at this point). He says wait until Wednesday of this week and you will be able to use the online funtion and create your username and password. I leave.
Wednesday evening comes and NOPE, no hope trying to create anything online. I call, again, and the guy verifies everything all over again and puts me on hold. Then sends me a code, verified. Then states that he can no longer help me and i will recieve a letter in the mail with further instructions and hangs up on me.
**bleep**?! I want to see my bill, get my rewards, pay it and CLOSE THIS STUPID CARD.
Please, for the love of God, stay away from Wells Fargo. PSA over.
This sounds like a headache, indeed.
When you went to the branch, did you get the business card of the person who assisted you? If you did, use that person as your 'contact', since obviously they have physically verified your ID and will be familiar with what's going on. The caveat is that with WF the bank side is separate from the credit card side so the branch won't be able to 'fix' the problem themselves, but at a minimum the bank employee who helped you in person will be able to verify your ID, which seems to be where the issue lies.
When I've dealt with similarly "sticky" situations in the past I've found that having a person's name, email, and phone number can work wonders, especially if they know I'll keep coming back to them until the issue is resolved.
UncleB this is sound advice, I agree with it, makes total sense. So, I'm going to flip this around again and do a Mic drop for the OP:
At this point, you are working for your credit, your credit is NOT working for you. The saying we all express here is not in motion, it should not take this much effort to ever spend money and give it to a bank. Time to use a bank/lender that appreciates and wants your business thus makes it easy.
Absolutely... I agree that this is more work than should be required for a credit card; my suggestion only applies if @acb5456 wants to continue to pursue things.
That said, I'm definitely not saying that he/she should (or should not) continue to pursue things with WF... that's a different discussion.
TD is current and favorite bank.... They were with me during my low days and now are with me during my high days.......
Their OverDraft policy is far from predatory like Wells Fargo....
Their OverDraft policy is far from predatory like Wells Fargo....
@Anonymous wrote:
Of all my 30+ banks and CCs, TD surprisingly is the most advanced. They use voice recognition system that will verify me few sentences into the conversation, pretty amazing.
This way when you get angry the app's recognition software won't recognize you! 