<prompt> Human: I never banked with Wells Fargo. Also, access to my credit files are frozen. This means nobody can check my credit history without my permission. In other words, no bank will issue a new credit card or open a new account ... since they would first want to verify my credit worthiness. Now here is the outrageous loophole in the system - if you temporarily unfreeze your credit files so you can legitimately open a bank credit account ... the current system allows that specific institution to have permanent access to your credit file even after you re-freeze it. So, in Wells Fargos case they would have been able to access credit files regardless of whether they were frozen or not. Moreover, I believe in this particular fraud, Wells Fargo employees opened accounts without going through the normal due diligence process.  <response>: OK I worked at Wells Fargo 20yrs ago as a teller. A few more scams; I had to check the accounts of every client that came in, anything with a balance over 5K and we had to either upsell them something or in my case I passed along the info to a better sales guy. Even if the line during lunch was 10 people deep and they are checking their watches, I had to go through the 10min sales pitch about our wonderful 29 credit card rates. Oh we also hung out in front of the community colleges during the first day you could get your books and pushed credit vouchers on every fucking kid there. I hated that job and never sold anything again. Fuck them to hell... 