Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX 
