<prompt> Human: Recently went into Wells Fargo to update my address as I was moving. My banker told me during the process that I was eligible for a personal line of credit that he could offer me. I told him I was busy and didnt really have the time; his response was that he could have it all set up in minutes, and Id get the info in the mail. Had I not been in a rush, I would have asked my questions, but I gave him a sure and went forward with it.Today I receive a letter saying that I was denied with a credit score of 645 related to: Length of credit history too short Proportion of balances to credit limits on revolving accounts too high Too many inquiries last 12 monthsOf the above reasons, all would be visible to him on the account screen when he was talking to me. So with that knowledge he filed an application telling me that he was making me an offer. Wouldnt it be fraudulent to apply for something in my name without express permission?Ill now have another hit on my credit because of this, and am looking for recourse. The line of credit wasnt important to me, I only said yes in the hopes of expanding what I already had available.  <response>: You did say yes... 