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Credit card issued against my express refusal; What action can I take?
As far as the banker himself goes, it's a customer service issue.  WF is not going to tell you about their internal discipline (or oughtn't, anyway), other than potentially to confirm that the banker does or does not still work there; that's the closest they should get to telling you about it.  I'm a (very) former retail manager, and that's absolutely the most I'd ever do in a case like this; and trust me, even with good customer service reps, you get requests to fire someone a lot, sometimes valid, sometimes not. You did the correct thing from your end: you brought the issue to their attention.  Despite the quota, it's (hopefully) not permitted to sign people up without their permission (since that's illegal!), and I can say that in my retail experience, with these promotions with great incentive to cheat in this manner, one of the main things our loss prevention department did was to monitor data to see if people were illicitly signing people up for cards or otherwise cheating the system.  That could be a very bad thing from a customer service point of view and from a legal point of view. What you should have done (or possibly did, but it's not clear in your post) is, after you reported the issue, asked for a re-contact on a particular date in the future - not "after you've looked into it", but "Next friday I would like to get a call from you to discuss the resolution."  Again, they're not going to tell you the discipline, but they should tell you at least that they've investigated it and will make sure it doesn't happen again, or similar.  It's possible they will want more information from you at this point, and this is a useful way to make sure that request doesn't fall off of their plate.  They should be able to, at least, tell you if there was a perceived issue on their end - it might be something meaningless to you, like "He thought you said to sign up", or something more descriptive, like "He pushed the button to send you a notice, but our computer system screwed that up and made it an application".  You never know these days how easy it is to screw these things up. Now, they certainly should have fixed the issues on your end.  Hopefully they did whatever you needed them to do banking-wise, or else you withdrew your money and went somewhere else.  If not, follow up with that supervisor's supervisor, or go up a level or two to a regional director or equivalent.  They may not be able to cancel the card for you, but the other banking-related things they certainly should fix.  The card you probably just have to cancel and be done with. As far as the misuse of personal information, one thing I'd consider doing is placing a freeze on your credit report.  Then this could never have happened - you would have to lift it to have your report pulled to be given the card.  This is not free, though, so consider this before doing this.