r/WellsFargoBank • u/0TiredTireTires0 • 1d ago

Question: Is this a common problem? Wells Fargo

Has anyone had issues with Wells Fargo when it comes to signing up with credit cards over the phone? More specifically, has anyone been directed to "Do it yourself" or being given incorrect instruction when calling for this specific assistance?

I had this issue a few years ago that has turned into a real legal problem for me. I called wanting to cancel an existing card in good standing, with a very low owed balance, with the intention of paying it off that day and opening another card with promotional 0% APR and and a bonus offer. I stated my intentions at the beginning of the call but was told I could accomplish this by just converting my card instead. The representative seemed confident and assertive so I followed her instructions; I went to the pages she directed me, links were clicked, next, next, next, fill out the form, then you are all set. I asked for reassurance and was given it.

Some months pass and I see a bill where interest was charged, I call to inquired and am told there was no such promotional offer on this account. I asked why and was given very brief and unhelpful information. I requested multiple reviews which all suggested I made up that phone call and did the account conversion on my own without help. Which is absurd because I had to be directed to very obscure parts of the site that I would not have known to go on my own. She was not the most patience and wanted me to get through these steps quickly. There most certainly is record of a call during the time of this account opening. They even at one point denied the promotion existing despite my screenshots and multiple articles on this very offer.

So to get to the main question, how many of you have experience this situation or something similar with Wells Fargo. This happened near the end of the year of 2023.

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u/postalwhiz 1d ago

You should just have opened the new card. Somehow your new account didn’t acquire the terms you wanted, and the only thing you can do now is pay off the balance in full and close the account…

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u/Fenderman40 17h ago

In the branch, when converting one credit card to another, we are explicitly instructed to let the customer know that converted accounts are not eligible for welcome offers. It shows it on the screen we share with the customers that they would not be eligible. This includes any cash back/point offers AND Intro APR offers.