I have similiar problem with customer representative of Wells Fargo last month. I was told to use TTY. I flatly told the manager that I am no longer using a TTY plus VRS is also under the ADA law. I got impressed that she is a stupid lady that told me that TTY is under the ADA law. Yes, I know that.. duh at her. I asked my dad to call WF to activate my card due to inactivity (opps). Finally, my card is now activated (my checking card only). I also have a WF credit card.