that's difficult in MN the statute of limitations on contracts is 6 yrs, see http://law.findlaw.com/state-laws/civil-...
but because wells fargo is in many states and it may be contended that jurisdiction belongs to another state, there may be a problem. although MN seems to have a very long statute, compared to most for this type of action.

best of luck, banks and credit cards rip us off all the time.

this is not legal advice for legal advice see a lawyer