Hello
I need some advice and I hope people will not pass judgment so quickly.
I opened a Wells Autograph CC in August and got approved right away and have a balance I am scheduled to pay this month when the statement closes. I applied for BILT Mastercard last week and got approved as well with great credit limit. My score is 770.
The next day my 2 CC accounts were restricted.
They connected me to Fraud dep and was asked to go to the branch, bring ID and proof of address.
I went to the branch quickly despite my health concerns and was told by the fraud agent I spoke over the phone while I was at the branch that they will let me know in two days the results after docs and my license have been reviewed. They said they just want to make sure it’s not identity theft and it’s me who opened it, which I obviously did.
Today I called and was told accounts are permanently closed due to it being “high risk”. They said some of my docs couldn’t be validated although some were. I’m so confused as to how that is possible!
The branch faxed my Government ID with my address showing on it, 2 utility bills and several bank statements, plus an employment verification. These are all valid documents. They can even call the companies if they want to do so, but the agent spoke to me every rudely and I felt singled out. I understand they are doing their job to protect their bank but this doesn’t make sense to me.
I have lived in my address for 15 years and yes I am not the primary payer on some utility bills but my name is on the account, nevertheless my other proof like bank statements and gov ID (showing my address) should have helped proved my case.
I asked if I can speak to another department I can appeal this to and I got their executive corporate office line but they said even if I complain to corporate they will keep their decision and nothing can be done and to deal with the credit bureau if you want anything removed from the report. The supervisor guy was very mean to me.
I am so upset, hurt and confused. I feel this is a subjective decision.. the Supervisor said it is final and that it’s just a risk. I already felt humiliated at the branch cause other people are hearing I’m having to verify myself and the same supervisor agent on the phone was very rude and acted like I am just a guilty con. I’m sorry I know some here will tell me that they may have valid reasons to be so sure of why they closed my cards, but I challenge them to call each company of the documents to confirm my ownership - name and address. This is not fair go next
A case has been opened with Corporate, but due to being told by that supervisor that it won’t really matter, I just feel hopeless. My credit score score and inquiries matter to me. This is not about having a good credit line or bonuses, this is about my name and reputation.
I am hoping someone here would give me advice if there is something can be done for the accounts to be reopened. I would rather have them reinstate me for a lower credit line and monitor for a year to prove my credit worthiness than be considered as a high risk customer and close my account and blacklisted me for the wrong reasons when I know I am the person who applied and I have sent docs to prove that.
I hope someone here can guide me to something. I really feel horrible and I know some might not care but this is my name that matters to me. I have worked hard for years to establish my good credit and have been banking with others with no issue, but I want to maintain a good relationship with Wells Fargo for my future business goals.
I currently have a checking, dancing’s account and a business credit card that were not affected at all.
I just feel like there should be some kind of way here I can defend myself. This just doesn’t make sense to me. I promise all my docs are legitimate I even feel overexposed since so many details have been exposed in my documents about personal things.
Thank you for your help.
