On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others. 
