Product: Vehicle loan or lease

In XXXX I bought a XXXX XXXX XXXX truck at XXXX of XXXX XXXX as a Personal/ Work truck. Over the 2 years the truck became a kingpin in my life. I needed it to survive and transition into my new career. The truck was financed through XXXX XXXX. I paid on the truck for over 2 years. During that time I was late a couple times. The finance company had it set up to where if I called early and paid {$50.00} I could be late if needed, as long as I paid what's due + Late fees at agreed time. I was under the impression that my record with XXXX was good because I did what they asked and paid all the necessary fees. But after speaking with the XXXX mediator. They are using that against me, saying I paid a lot late and had returned checks. Which is not true. After paying on it for XXXX years. My boss had lost a big contract and couldn't pay us on time for 2 months. He had to pay us monthly and late instead of bi -weekly and on time. I got 60 days behind with the next month 's payment coming up fast. I called the finance company in advance to let them know the situation and to pay the necessary fees to pay late and to let them know that I would be paying both months payment + any other fees just before or with the upcoming months payment. I was talking to them before I was late at all. They knew the situation. They said Ok and took my {$100.00} payment to pay late. I went on thinking all was well and everything was all taken care of. 3 weeks before the 3rd payment was due, they began to ( harass ) call me personally and at work saying that I need to pay now or else. I said I paid {$100.00} to pay late with no penalty. I'm supposed to pay both months before or with the next payment and then I'm all caught up. He said no, you need to pay today with the fees. I said I didn't have it. So can you wait until I get paid again? I said I need less than a week. You talked to my boss several times. He assured you that all would be Ok.. The finance guy said you don't have a week. He said pay now or I'm going to repo the truck. If you send payment after today I'm not going to accept it. He said you're late and you pay when I say. I said please, he laughed and said too bad man you late. I said well I guess you have no choice but to wait till friday when I get paid. He said yeah right! You better try to borrow it. I said I don't have anyone to borrow from please wait. After being frustrated with the XXXX goons calling me several times a day at work. I said there is no need to keep arguing. I need to go back to work. I can't keep wasting time going back and forth with you. You have to just wait til friday. He said That's what you think and hung up. After hanging up on me he went and put my car on the Red Sheet immediately, which meant repo now by any means necessary. My truck was repoed that night, Approx. 2 weeks before I was 3 months late. They were trying to make me pay the 3rd month 's payment early. He called back one last time to gloat and to laugh at me. I was never given the opportunity to pay as per our agreement. I got stuck with the last payments in hand, like a deer in headlights ( That is why I was holding the last payments ). We had an agreement and I was trying to live up to our agreement and pay when I got my check like I paid the extra {$100.00} to do ). Also I was never given a chance to pay after to get my truck back. It was especially easy for him since they had a GPS tracker in the engine the whole time, which I didn't know. I sent in the money orders anyway, they sent them back about 20 days later by mail. ( Those are the only checks that were ever returned by XXXX during my possession of the truck, or After ). Recently XXXX now Wells Fargo Auto recently had me go through mediation. During the mediation the mediator was saying Approx. 5 years later around XXXX I made more money, to use it against me. That is because I didn't give up and since I was XXXX I would work 16hr days to kill time because I had nowhere to go or be. Also it wasn't good because taxes took all my overtime money. The mediator also said XXXX financial made 2 partial payments that never happened. ( # 1 ) in XXXX for {$890.00} and ( # 2 ) in XXXX for {$740.00}. Had they done that I wouldn't have ever been late and we wouldn't be here. Also why would a corporation make partial payments for such a small amount? Because they never did. Also I feel they frauded/ force placed insurance on me before I was tripped up and made the last few payments late. 


The repo guy that took the truck from my apartment complex was nice at first and explained everything. Then he started demanding more money to return my personal Items to the point we got into an argument. He came to my apartment with only a few of my items ( to show he had them ) while demanding money. Saying he would go get the rest when I pay him in full. We got into an argument in front of my apartment complex. The police were called and we were both arrested. I was there for 4 days. 

I lost everything I accomplished in my career and everything I own as a result of this situation. At the time I was going through training to be an XXXX XXXX XXXX, with the potential to make $ 150,000+ per/year. Ive never been able to buy/finance another vehicle or rent an Apt./ house. I have to put down 3 times the down payment. I have never been able to recover from that situation. The repo caused me to go to jail, job management was cool, they kept my job as long as they could. But I had no transportation. After getting out, my uncle and all my friends got me to work as long as they could. But since the Repo. was fresh, no one would touch me buying or financing anything then and to this day. Not being able to get to work. My bosses were forced to let me go. With no job I couldn't pay for the storage, I also couldn't empty it. Because I had nowhere to put anything. So I lost everything I had. I was forced to move in with my aunt and uncle, which was a horrible situation. I had to sleep on her dirty living room floor ( My Aunt Is a XXXX and we don't get along ). I have been on the bus ever since ( catching the bus up to 4hrs to work and 4hrs back home ) scraping through life trying to repair the irreparable damage and survive with a $ XXXX $ XXXXp/hr job. I didnt give up. I had a friend let me sleep on his couch, he even put me on his business as long as he could to try to fix my credit, So I can eat daily, and so I can function. I have never been able to recover financially and find a job comparable to the Career I had at the time. I started working 2-3 jobs at a time trying to make more and fix things, but it was just a fool errand. I had to become everybody 's helper to survive. Today I would be 100 % homeless if it wasn't for my girlfriend. Who now lets me stay with her a few days a week other than that I am couch surfing. I was doing ok sleeping on a friend 's couch saving but Wells Fargo ruined that for me by sending mail there. I was told not to have my mail sent there, also I didn't want them to know my business. I never gave you that address to send anything to. So whyyy! Would you do that? You have my address to send mail. I don't understand. You are saying you want to make things right but have literally been making things worse. I have been catching the bus for 15 years because of your company. Meanwhile suffering from XXXX, XXXX, and XXXX. My student loan/credit got out of control. The stress was and has been crazy. I lost way more than that truck. At the time I had a pregnant girlfriend and son on the way that I was never able to meet. I was looked at as a loser because I couldn't keep that truck. I had no way to be productive, so my son was taken away from me by his XXXX grandmother. ( By the way we have not been able to fix things all this time ). My son is almost a man and has not even laid eyes on his father. Because of your company I had no means to fight for myself and my rights. These things are a direct result of your company 's actions. It is not your fault that she took my son but you put my life in crisis mode at the worst time ever. Disabling my mobility, my finances and my ability to fight for my son and that Is 100 % your fault. All over XXXX XXXX overstepping their bounds. It seems to be a snow ball effect starting with XXXX XXXX XXXX padding my payments and making my payment higher than it had to be. one last thing I was reading that they need to repo the car peacefully. They didn't. I went to the county as a result Chronological Record of time from XXXX Working At XXXX XXXX as a XXXX XXXX XXXX Started Full Time Job at XXXX XXXX XXXX at {$13.00} p/h + tips. Worked a 6 day work week ( 40+hrs ). Worked there until termination in XXXX due to Repossession and Jail time. 
XXXX XXXX Repossession, Job Loss, Apartment Loss, Jail time, Storage Loss. Started catching the bus to work to hold onto Job. I was able to move in with some friends. After 2 months I had to move because they were moving. I moved into my aunt 's house which was a horrible situation. I was sleeping on the floor and not getting along with my cousins. I stayed there for Approx. 4 months. Then I began being XXXX  after a bad argument about me being there. I had to leave and begin sleeping at XXXX XXXX in XXXX and different friends floors and couches when I could XXXX Sleeping at XXXX XXXX and different friends floors and couches when I could. Looking for work on the bus XXXX A so-called friend ( XXXX XXXX XXXX started letting me sleep in his garage for {$150.00} a week. I could only go there after XXXX to sleep til the next day. I did that most of the time when I could afford it. If not I was sleeping at XXXX XXXX and different friends floors and couches when I could. I would Spend all day at the library on the internet looking for work. Another friend gave me his old car to use. It got me mobile for a while and off the bleachers at the park but it broke down after approx 4 months. 
XXXX Finally found a job at XXXX XXXX. I was driving there for a month when the car died. Now, I'm back on the bus. I caught the bus until I saved up enough to put down on a Apartment so I can balance my life XXXX *Mom XXXX. 
Still catching the bus but now I have to walk 1.5 miles to work after the bus drops me off. Finally moved into a second attempt at having an apartment. 
XXXX Job Changed hours to early morning shift ( XXXX Start time ) Which means now I can't get there on time. Because the bus dropped me off at XXXX then I had to walk 1.5 miles. I wouldn't get there till XXXX. I was eventually let go XXXX Ran into a friend from High School. After hanging out for a few months, I informed him of my situation and he offered to let me stay at his house with him and his girlfriend. I found another job while there but the company went under after 3 months ( XXXX XXXX ). Eventually he lost his Job. He was paying for them both. So we had to scatter to the wind. Luckily in transit I found another Job ( XXXX ). 
XXXX While moving around I ran into my downstairs Neighbor from my 1st Apartment where the repo happened. He had a back room I could rent. So I rented that so I could keep myself clean for work. Worked there for 6 months or so. Then Laid off. 
XXXX I collected XXXX for 4-5 mos and was approved for another 6 months. Then Barack Obama cut the program. Now I had no Income at all. My friend had to basically start taking care of an able bodied XXXX + year old man. I became useless with no way to earn money. I had to become his XXXX XXXX. Doing maintenance, chores, running errands, painting, fixing things, etc. in exchange for a roof over my head, food, a restroom to use, and computer access. Spent my spare time looking for real work. 

XXXX *Dad XXXX. Couldn't go to the funeral. I had no money, no clothes, no vehicle, and no help. 
Im XXXX at this point, Friend is basically taking care of his XXXX friend who can't get his life together and it's weird and uncomfortable because I'm not lazy and I don't do drugs. Just smoke too much. I spent approx the year looking for real work and the other working barter to live. 

XXXX XXXX at this point, My friend and his wife are taking care of me at this point. Kicks me out of the house everyday to look for work.I spent approx the year looking for work and the other working barter to live. 

XXXX XXXX at this point, My friend and his wife are taking care of me at this point. I spent approx the year looking for work and the other working barter to live. 

XXXX *Grandma XXXX. Couldn't go to the funeral. I had no money, no clothes, and no help, etc. 
XXXX at this point, My friend and his wife are taking care of me at this point. I spent approx the year looking for work and the other working barter to live. 

XXXX XXXX at this point, My friend and his wife are taking care of me at this point. His wife hates it/me but what can I do? I spent approx the year looking for real work and the other working barter to live. 

XXXX XXXX and basically XXXX at this point, Friend and his wife basically are taking care of me. I spent approx the year looking for real work and the other working barter to live. 

XXXX Unemployment was cut in XXXX and my friend gave me till XX/XX/XXXX to figure out where I'm going to live and what I'm going to do with myself. I was able to be at the house but since mail went there. I'm back couch surfing and sleeping in the warehouse. I spent approx the year looking for real work and the other working barter to live. 
XXXX