u/Emergency_Detail_984

I live out of my car. Plan to start a business. I have a checking account with Wells Fargo and I wanted to open up a credit card with them for business expenses only for a clean separation and the 2% cash back.

I went to my local Wells Fargo and applied in person, the lady was very nice and it seemed easy and all I had to do was wait for the card to come in to my PO Box.

Now for the fiasco: there was a hold put on the card because I needed proof of residence. Problem is, I put my parent’s old house (where I used to live, but is rented out to tenants now) as the residential address and the mailing address as my PO Box (residential address would not accept PO Box addresses, not even with street addressing).

I put my old address because that’s the only address I had documents for, I faxed in a copy of my ID, my vehicle title, a toll invoice, car insurance policy, medical records, etc. They called me back and said it wasn’t acceptable, they needed a lease agreement, a utility bill, or some tho in like that.

I went back to the bank to speak with the lady who did my application, I showed her what I faxed them and she said it should have been more than enough, she told me she would “speak to her representative” about it.

A few days later, the notification that the account was temporarily disabled disappeared, and a few days ago a made my first purchase on the card for my LLC application.

THE DAY AFTER THAT, the notification comes back. I sent an email to the same lady and she called me and said they were requesting one of those proof of residency documents, AFTER they had already approved me, she said the account would be closed on June 5 if they didn’t receive it.

What do I do? Also, I was thinking about it and how the hell would a college student in a dorm get a credit card? I see all these predatory college credit card ads and offices but how would they submit a utility bill for a dorm? I just don’t understand.

How do you get a credit card if you don’t have a permanent address with your name on a lease agreement or utility bill?

Has anyone else had a batch removed for “possible fraud”? I just accepted a double batch and drove to the first store and as I stepped inside I was about to hit “start shopping” I saw a notification that the batch was removed. It then asked me to verify my identity with a picture.

I messaged support and they said it was removed for “possible fraud” and I asked them to explain and they said that I “switched phones or made changes to my account”. I explained that I did not switch phones or make any changes to my account and they said the “insurer suspected possible fraud” or something.

I have no idea why this happened. I thought I’d just send it and ask if I could be compensated for time and effort but they said no, oh well.

Anybody else have a similar experience?