Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015. 
