Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021, I started my administrative process of demanding verification of an alleged debt pursuant to 15 USC 1692g from WELLS FARGO AUTO. I also asked on numerous occasion for verification of the original creditor. They received my Notice of demand on XX/XX/2021. In the Notice, they were given 30 days to respond or dispute. I did not get an appropriate response from them at all. My Notices and concerns have continued to go unresolved. The only mail correspondence I received pertaining to this matter was another statement with a due date for XXXX. Said statement, as like the others, are all in a positive amount. It is false and misleading to request payment on a positive balance. 
WELLS FARGO AUTO further continued to violate my consumer rights and privacy by sharing my information to 3rd parties, which was used to commit the theft of my personal vehicle on XX/XX/2021 using skip tracing.That is clearly identity theft and grand theft. On the morning of XX/XX/2021 I called WELLS FARGO AUTO executive office to follow up on my case as their 30 days has passed, and that is when I was transferred to the reinstatement department. It was then when I was informed my personal vehicle has been taken the night before around XXXX. Prior to the call, I did not know. Again, I did not receive any mail correspondence regarding my dispute of the alleged debt. 

I have been in constant communication with WELLS FARGO AUTO, especially their executive department. Again, my concerns fell on deaf ears. I have been hung up on repeatedly and totally dismissed. The only goal of the representatives were to tell me how much I alleged owe and my payment history. No one addressed my dispute Notices or request for an update on my dispute case.No one has confirmed that I am the original creditor who extended my credit during the consumer credit transaction. My consumer rights have been violated and my property was stolen from a location I did not disclose to WELLS FARGO AUTO nor did I give consent to share any information. On a recorded line, representative XXXX XXXX told me they share any information on file. 

I mailed a Notice of default with an opportunity to cure on XX/XX/2021, which was received XX/XX/2021. They were given 10 days to reply. Later that day, I received a " notice of our plan to sell your vehicle '' from WELLS FARGO AUTO. Confirming they did in fact unlawfully authorized a 3rd party to steal my personal vehicle.The letter ( attached ) was littered with misleading and abusive language. Pursuant to federal law 15 USC 1692d ( 4 ), the advertising for sale of any debt to coerce payment of the alleged debt is a violation. I repeatedly informed WELLS FARGO AUTO I am the consumer and original creditor I have informed them of their abusive practices and invoked remedy for the damages. As with everything else, it has been ignored.

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