Trilegiant Corporation

I filed this complaint with the Office of the Attorney General of Texas today.

Corporate Offices
Wells Fargo
420 Montgomery St
San Francisco, CA 94104

Dear Sirs:

I received my new debit card on Saturday, January 10, 2009. This is a Visa debit card through Wells Fargo Bank, N.A., Richmond Office, 700 Jackson St, Richmond, TX 77469. I was told in writing to activate my card by calling Wells Fargo at (877) 294-6933.

When the call was answered I was told to enter the card's 16-digit number, which I did. Then I was asked if I wished to hear how I could get a copy of my credit report anytime I wanted, online, for $1.00. (Press 1 for yes, or 2 for no.) I pressed 1. Immediately a voice informed me that I could now get my credit report and that I had hereby signed up for the service with the Trilegiant Corporation for $12.99 per month. I was also told that if I did not want this service that "all I had to do" was call and let them know that I wanted it canceled. I was given no contact information for them. That was the end of the call, which they terminated. Even if I actually now wanted the service, I would have to hunt it down before I could access it.

I did not and do not want this product, nor did I request it. I only allowed Wells Fargo to tell me information about a $1.00 online credit report. I called four different numbers at Wells Fargo and was told in each case that there was nothing they (Wells Fargo) could do about it. Please bear in mind that my name and Visa number were transferred to Trilegiant by Wells Fargo Bank during this call to validate my debit card, without my consent. Now Wells Fargo refuses to correct the problem.

I called the Wells Fargo Hotline to report the fraud and was referred to other Wells Fargo phone numbers, including their fraud department and their executive offices. None would take any responsibility for this. The final number (866) 867-5568, the executive offices, said I would need to deal with this third party, Trilegiant, directly, even though it was Wells Fargo Bank's actions which are causing consumers this problem. I asked them if they thought it was right that a Wells Fargo customer be treated this way; that he be required to clean up a mess caused by the bank. The individual said that they did not, but did nothing to take any initiative to rectify
the misdeed against me.

Wells Fargo Bank gave me the number of Trilegiant and hung up after the customary "Is there anything else we can do for you sir?"

Online, I found a number for Trilegiant Corporation, 100 Connecticut Ave, Norwalk, CT 06850, which is (800) 323-1137. I was told that I would need to call back during business hours. This, of course, will be at my expense. These will be business hours for which I will not be able to bill my customers. Time is money, as the old adage goes. I am being ripped off by Wells Fargo Bank, who are colluding with the Trilegiant Corporation.

By searching on line I have found thousands of other Americans who are having this fraud perpetrated against them. Trilegiant Corporation is being sued by many states already. Banks have sued and won judgments against Trilegiant, for impersonating an affiliation with banks that they were not affiliated with, in fact. In this case, Wells Fargo Bank actually is affiliated with Trilegiant Corporation. The reason for most of the class action suits is identical to mine: jamming.

All I asked of Wells Fargo was and is to correct the problem which they caused. They have simply replied like a broken robot, "I am sorry, sir. There is nothing we can do." How convenient. When are businesses going to start being held accountable for systemic fraud committed by their computer systems and computer-operated personnel, against customers?