Product: Debt collection

I am writing to file a formal complaint against Wells Fargo regarding their unlawful practices, particularly in relation to their handling of auto loans, which have directly affected me. The recent class action lawsuit against Wells Fargo, citing violations of state and federal laws regulating repossessed vehicles, serves as a direct reflection of the egregious actions taken against consumers like myself. Ive lost all employment as a result of their actions, and have been put in a place of desperation because of it. 


According to the allegations outlined in the class action lawsuit, Wells Fargo has systematically engaged in unlawful practices during the repossession process, resulting in severe financial harm and unjust treatment of consumers. These violations include, but are not limited to : * Failure to Provide Proper Notice Wells Fargo has failed to provide consumers with proper notice of repossession, violating both federal Uniform Commercial Code and Pennsylvanias Motor Vehicle Sales Finance Act ( MVSFA ). The repossession notices sent by Wells Fargo failed to inform consumers of their redemption rights, method of disposition, and fees associated with the repossession process. 

* Misleading and Conflicting Statements : The repossession notices provided by Wells Fargo contained conflicting statements regarding redemption and reinstatement options, leading to confusion among consumers. Additionally, Wells Fargo failed to accurately detail the amounts owed, including additional fees charged by unlicensed repossession brokers. 


* Unauthorized Charges and Fees : Wells Fargo, along with third-party repossession brokers, imposed unauthorized charges and fees on consumers, including storage fees, redemption fees, reinstatement fees, administrative fees, and personal property fees. These fees were not disclosed in the repossession notices and were not actual, necessary, or reasonable expenses incurred by Wells Fargo. 

* Failure to Comply with Post-Sale Requirements : After vehicles were auctioned off, Wells Fargo failed to send post-sale notices via certified mail to consumers, as required by law. 


As a victim of Wells Fargo 's unlawful practices, I have experienced wrongful repossession of my vehicles, which have caused significant financial hardship and distress. Ive lost all employment as a result. Im the primary caretaker of my grandmother, and that has been severely affected. I lost both XXXX and XXXX jobs, and was terminated from employment due to transportation now being an issue. I was a blatant victim of identity theft in the process, with proof submitted to their fraud team, to receive no regard for me as a consumer with them whatsoever. Despite these issues, Wells Fargo has failed to provide validation information for the alleged debt and has not given me an opportunity to dispute the account, as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) respectively.

Furthermore, I believe that Wells Fargo 's actions constitute an extreme violation of my consumer rights, as they have used false, misleading, misrepresentation, and deceptive means in their handling of my auto loan account.

Additionally, Wells Fargo has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Their failure to adhere to these regulations further compounds the harm caused to consumers. 


I dispute any and all debts allegedly owed to Wells Fargo as a result of these unlawful practices. Additionally, I request a thorough investigation into Wells Fargo 's actions and adherence to consumer protection laws and regulations. This is extremely urgent in my life. 


Furthermore, I am formally revoking any authorization for Wells Fargo to communicate with me via email, text, or telephone calls. I expect all future correspondence to be conducted exclusively through written mail to the address provided above. 


In conjunction with disputing the alleged debts, I hereby request full and proper validation of any debts claimed by Wells Fargo, as required by law. This includes providing documentation of the alleged debts, the purchase agreement between Wells Fargo and the original creditor, and proof of their licensing and bonding status. 
I demand that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Wells Fargo to ensure compliance with consumer protection laws. I also request that any collection activities related to the alleged debts be ceased until these matters are resolved. 
Thank you for your prompt attention to this matter. I look forward to receiving updates on the status of my dispute and the actions taken by the Consumer Financial Protection Bureau. I sincerely hope that this can be resolved for me quickly, as I have a life to rebuild and family to take care of immediately. 


Sincerely, XXXX XXXX