Consumer complaint received 2023-12-18
Company: WELLS FARGO & COMPANY
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I requested a copy of my loan contract of my car loan with Wells Fargo, and here 's what I discovered? I was not included in the gap insurance settlement, nor did I receive a refund for the gap insurance, that I paid for while I had my vehicle? I spoke to a gentleman named XXXX last Wednesday XX/XX/XXXX, who told me that gap money can be used as part of the repossession money to be paid back to the loan? I investigated his statement to me, and found that to be false! Also, I am including a copy of the contract that states that before a vehicle is reposed, they will send me a letter stating that I have 20 days to get my loan current before the repossession unless I have defaulted on my loan in the past, and they have sent me a letter before, which has never happened? If I was late, I would get caught up as quickly as possible, before such a thing occurred? There is no letters of default on my loan never sent to me, I even asked, and they have no record, that nothing like that ever occurred? Their are also many discrepancy 's as to what day my vehicle was reposed? My vehicle was reposed on XX/XX/XXXX, which if you look at my payment history prior to the repossession, I had just made XXXX payments? XXXX on XX/XX/XXXX, and another on XX/XX/XXXX, so I was clearly trying to get caught up, and in communication with Wells Fargo, again with no letter sent to me, giving me a 20 day notice which is again in their contract that I signed? without any warning whatsoever, they still reposed my vehicle, which they came late at night to do so! I feel I am entitled to the money I paid into for the GAP insurance, along with the wrongful repossession, which was illegally conducted, along with I'm not sure what the {$810.00} that says Total other charges/ Amounts paid to others was even for, which is on the first page of the contact that I signed, along with they have to send me a 20 day notice prior to my repossession, also again I never received? ^The settlement for the wrongful repossession was {$4000.00}, I was also never included in? I also feel that I am entitled to money from the victims relief fund, because this was a very scaring situation that happened to me, that I have had to live with mentally, that should have never happened as wrongfully as it did! I was left with no vehicle, and had to pay for rides, not only for myself to get to and from work, but being a single mom, I had to find a way to get my daughter to and from school or daycare at the time, as well, as pay for rides to get to the grocery store or appointments, outside of work, or my daughter school, or daycare, as well as my mom depended on me to go to her home after work everyday to help her with chores, going to the grocery store, or whatever she needed? I was unable to take her to appointments, so we had to either reschedule them for her, or cancel until I had another vehicle again? Plus I had to somehow set aside money, to try and get another vehicle, which with everything I had to pay out for rides, was very hard and costly. I would like a real deep investigation, along with all the money I was entitled to, as well as compensation for my pain and suffering, from this very horrible experience with Wells Fargo.

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