Wells Fargo Financial / Credit Card, Lending - So there you have it. Two weeks of back and forth with Wells Fargo Financial over an otherwise simple matter. While the rejction, after being approved, is annoying and leaves me a $1,000 in the lurch, my main

Wells Fargo Financial / Credit Card, Lending - So there you have it. Two weeks of back and forth with Wells Fargo Financial over an otherwise simple matter. While the rejction, after being approved, is annoying and leaves me a $1,000 in the lurch, my main complaint is just bad customer service.

Wells Fargo Financial / Credit Card, Lending

Wells Fargo Financial, lending and credit cards, the branch I dealt with mainly was located in Glendale, California. I have one personal loan account with Wells Fargo Financial, and have had a bank account with Wells Fargo for almost four years. On Friday, August 13th 2004 I called Wells Fargo Financial to get my personal loan extended from $1,000.00 to $2,000.00. Up until that point I had made all my loan payments promptly and on time, and the same goes for the rest of my credit cards. After a brief conversation with one of their lending officers they said they were sure that an additional $1,000 would not be a problem. About four hours later I recieved a call back, saying that they would rather give me a Wells Fargo Financial Visa card for $2,000.00 and a lower APR. I agreed. Not exactly what I wanted but it would work. So I was put on a teleconference with Wells Fargo Financial's main headquarters. They said I was approved for a $2,000.00 Visa with a $25 annual fee. More information went back and forth and I was emailed a cardholder agreement which I digitally signed. Monday, August 16th 2004 I called Wells Fargo Financial's 800 number to check on the status of my account and a balnce transfer to my checking account from this new card. I was told by their customer service rep everything was fine, I was approved and they were just waiting to issue the card. I would recieve the balance transfer by Tuesday or Wednesday. I called again on Tuesday, August 17th 2004, having not recieved my balance transfer. This time the customer service rep I spoke to said their was no account listed under my name and that they had recieved no application whatsoever. I called my local Wells Fargo Financial rep in Glendale. He said he would check on it. He called me back and said that, yes, I was approved and, yes, the card would be issued along with the balance transfer within "a few days". Thursday, August 19th 2004 rolled by with no balance transfer. I once again called the Wells Fargo Financial's 800 number, and spoke to yet another customer service rep. After being on and off hold for about twenty minutes I was informed that they had some "conflicting information" and had "made a mistake"; they basically had to run the application through again; but, yes, I was approved for a $2,000 Visa and this time I would recieve the balance transfer by Monday, August 23rd 2004, and my new cardd shortly thereafter. I called back Friday to double check, growing increasingly tired of a simple procedure that was growing into something way too complex, I was informed that, yes, I was approved for a $2,000 Vis and they were waiting to issue the card. Then midway through the day a customer service rep called me back telling me he needed to read back another addendum, a California law I had to give verbal consent to. After this was completed I asked them yet again; they said, yes, I was approved for a $2,000.00 Visa card and the balance transfer would be in my account Monday. Monday, August 23rd, 2004 rolled around with no Balance transfer. I called Wells Fargo Financial's 800 number. They once again said they had no record of my application and then transferred me to their marketing division. Their customer service rep their said that my application (which had been approved three times by this point) came back Friday with a note saying that it needed to be "re-sold" with a $1,500 limit and a higher APR. Smelling something of the old bait and switch, I reluctantly agreed, because by this time what I need the $1,000 balance transfer for was fast approaching. I did all the verbal consents, etc, and they said again that I was approved for a $1,500 card, and that it would be issued Tuesday and I would recieve my balance transfer by Wednesday. That day (Aug. 23rd) I called back in the afternoon. The customer service rep I spoke once again re-assured me that i had been approved for a $1,500.00 Visa and that it would be issued Tuesday. Tuesday, August 24th, 2004 I called Wells Fargo Financial's 800 number, and spoke to yet another customer service rep. He said that the card was approved and that it would be issued within 24 hours. This customer service representive double checked with card services to make sure there was nothing else I had to do, or provide information for. There wasn't. I was approved. I called back that afternoon (August, 24th) and spoke to yet another customer service representive and he informed me that my application had been declined (After being approved three or four times,) due to a "tight budget". On Wednesday, August 25th, 2004 I called up the Wells Fargo Financial officer I had originally dealt with and he said he was informed on Tuesday, August 24th 2004 that the credit department had disqualified some of my earnings because I couldn't prove them. These were earnings, btw, that no one ever asked me to prove, or provide proof for (which can in fact be done). So there you have it. Two weeks of back and forth with Wells Fargo Financial over an otherwise simple matter. While the rejction, after being approved, is annoying and leaves me a $1,000 in the lurch, my main complaint is just bad customer service. To approve someone and then decline them two weeks later is sheer idiocy. Not to mention everytime I called Wells Fargo Financial's 800 every Customer Service rep had a different answer or a different story. The left hand simply did not know what the right hand was doing. This caused me to waste two weeks trying to straighten everything out. I intend to pay off my personal loan with Wells Fargo Financial, and have no further dealings with either their lending or credit card services in the future. Their customer service is beyond bad and beyond inexcusable. It is rank amatuer. Sincerely, Larry M Larry M Click this link to e-mail the above consumer: //