Re: Random WF Hard Inquiry?

coldfusion · ‎11-16-2022

What the WF rep should have done was to engage internally within WF to have the inquiry withdrawn. What they proposed was the easiest solution for them personally but not for you. Be sure to stay very much on top of this.

If you don't get notification from Experian by 12/19, which is the 1st business day more than 31 days from today, that the inquiry has been withdrawn the next proposed step is to again pull your Experian report to emperically confirm whether or not the inquiry is still reporting.

If the inquiry is still reporting immediately file an FDIC complaint against Wells Fargo. The FDIC would open an investigation for which Wells Fargo would be compelled to respond within 30 days the result of their internal investigation and the steps taken to remediate their error.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

CreditCuriosity · ‎11-16-2022

Dispute won't work as mentioned with CRA as will report as factual. WF needs to recode this as a SP it is easy enough for them to do with the CRA

chuckwood · ‎11-16-2022

I kinda had a feeling they were trying to get me to take it up with someone else so they didn't have to deal with it. If experian comes back verified I guess I will just file a complant to get it taken off. The guy on the phone said I should get a response on my experian account within 48 hrs but the email said by Dec 15. I didn't think WF was like this. I may end up closing the account and moving on after it gets fixed.

jasonbourne84 · ‎11-16-2022

@chuckwood wrote:
I didn't think WF was like this.

Why?

chuckwood · ‎11-17-2022

@jasonbourne84 wrote:
@chuckwood wrote:
I didn't think WF was like this.
Why?

Because over the years I have had a few issues with other things and they have taken care of it quickly with no issues but its probably typical big bank and I have been lucky.

chuckwood · ‎11-18-2022

I recieved a survay for one of my calls to wells fargo last night. I put on there what happen and I was considering closing my accounts and today I recieved a call from a manager at Wells fargo. She told me she listened to the calls from the 4 different agents I talk to. She looked into the problem and said she would get it fixed that it was clearly a mistake and that one of the people I talked to should have known to get me to a manager in the credit department to take care of the issue and not told me to call experian. So hopefully it will be fixed now.

Life_take2 · ‎11-19-2022

OK, that renews a little faith back in WF, for at least responding to the survey with a callback. Let's hope they follow through.

BK7 -9/15 Starting EQ-571 | TU-528 | EX-572 ---> Aug'25- Fico8: EQ-826 | TU-817| EX-815Fico9: EQ-836| TU-824 | EX-829

Amazon Store 10,000 * Apple Card-GS 13,000 * Barclay View 16,400 * Citi Costco Visa 8,100 * * Citi BB Visa 10,000 * Citi Strata Premier 10,900 * Discover 8,100 * Discover Miles 14,500 * Home Depot 10,000 * HSN 10,000 * Kohls 3,500 * NFCU Flagship 38,000 * NFCU AMEX 33,000 * Nusenda PLOC 20,000 PenFed Gold 12,500 * Sam's Club MC 20,000 *Wells Fargo Platinum 1,100 * Wells Fargo Autograph 25,000 * Wells Fargo Reflect 10,000
Total CL $277,100 Util% Sub 1% AAOA: 62 Mo

chuckwood · ‎11-25-2022

I checked my credit report today and WF did remove the inquiry from my report.

Jeffster1 · ‎11-26-2022

Thanks for the update. It's nice to know that those surveys are actually read instead of just being de-identified and reported to management in the aggregate across thousands of survey replies.

0% utilization
FICO 8 EX 829 EQ 839 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 15.5K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 10.8K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I

mgood · ‎11-27-2022

@coldfusion wrote:
What the WF rep should have done was to engage internally within WF to have the inquiry withdrawn. What they proposed was the easiest solution for them personally but not for you. Be sure to stay very much on top of this.

I don't claim to know near as much about this as coldfusion, but that was exactly what I suspected when I read the post. Let you do the legwork (or phone work) and they don't have to fill out as many forms.

@chuckwood wrote:
I recieved a survay for one of my calls to wells fargo last night. I put on there what happen and I was considering closing my accounts and today I recieved a call from a manager at Wells fargo. She told me she listened to the calls from the 4 different agents I talk to. She looked into the problem and said she would get it fixed that it was clearly a mistake and that one of the people I talked to should have known to get me to a manager in the credit department to take care of the issue and not told me to call experian. So hopefully it will be fixed now.