Consumer complaint received 2020-12-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX my XX/XX/XXXX XXXX payment was the last payment I was able to afford on my truck after Wells fargo bank put CPI insurance on it and never asked me or my agent if I changed my insurance or dropped my insurance. It increased my payment by almost XXXX a month. The response by wells Fargo auto loan was I needed this on my truck. Bringing my payment to XXXX and change. I live on XXXX  and cant afford that much. They were no help when I called several times. The bank is now very confused on the dates of repo. XX/XX/XXXX Saturday night at XXXX or XXXX XXXX the repo man knocked on my door and I went out with him and opened my garage to allow him to hookup to it. The Bank started saying in the last couple weeks that I called on XX/XX/XXXX and said I wanted my truck repossesed that was already done I never asked wells fargo to do no such thing ever. The forced placed CPI was what made me unable to afford my truck nothing else. I had to file bankruptcy to stop the the harrasment from collectors wells fargo had hired. I could not get a apartment or a decent place to live after this until years after the repo. I lost my truck to them in what I call a theft of my truck.They keep saying I need insurance from XX/XX/XXXX to XX/XX/XXXX At this time Wells Fargo had my truck from repoing it on XX/XX/XXXX. 
I cancled my insurance on XX/XX/XXXX. They didnt sell the truck untill XX/XX/XXXX 6 months later. 
Here is where there wrong in XX/XX/XXXX I made the last payment before they put CPI on mhy truck. 
XX/XX/XXXX was 6 months and 2 days later with no payments. They as a company according to auto loan dept on XX/XX/XXXX max is 95 days well that was incorrect in my case as well. There is no way wells fargo repoed my truck in XXXX in XXXX as I no longer lived there. I also no longer had my truck because of there repo due to forced placed CPI by them. I know the date by two things the proof of insurance and my diary which has the date as XX/XX/XXXX as well. I called them for the last time on XX/XX/XXXX. 
Never called in XX/XX/XXXX as they claim. On XX/XX/XXXX I moved out of XXXX and the truck was gone to them. 
I am out alot of money and there being really not nice denying me outside aribritration. You will notice the letter from XXXX XXXX stating the forced placed CPi could have caused my default. She is the only one that got that right. She is the vice President of CPI refunds at Wells Fargo Bank. Wells fargo has had some really bad employes over the years and made alot of victims out of people for no reason they say they want to make things right. I dont think that at all. Like they told the Federal reserve there going to be forced into closing there doors for good. To get the cap lifted on the gross value. 
That was earlier this year. I dont feel for them at all. As they dont for me. I dont understand there records and all the charges and also dont understand why aribritration is so out of line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation