Consumer complaint received 2024-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
Wells Fargo was sued for incorrectly entering the payments of those loan holders in Wells Fargo auto unit. I myself owned a vehicle under loan by Wells Fargo from XXXX until XXXX in XXXX. Wells Fargo was also sued under the incorrect ability to allow client to change when the bill is paid. I sent in at least 12 to 13 documents with my signature requesting that the bill due date be changed to the latter part of the month. Under the statute of a bank it was under my rights to be able to change that payment due date. Despite my efforts via postal mail, faxed documentation that I faxed Wells Fargo with my signature in a time frame where I had been in a positive balance with my payment for the month I would send in a request of payment change date so when I paid my bill would be later in the month. I have documentation of such. I recently have reviewed my bank records for the time that I've had the car with Wells Fargo. Most recently the payment of {$210.00} which on recorded phone call the representative for Wells Fargo stated that she would stop repossession. However due to my state of New York laws and statutes we entered into an agreement where I would receive a legal document stating a warning of repossession prior to any communication of such and I've never received that and I've never received any documentation from Wells Fargo proving they sent me the letter that I legally should have had prior to starting repossession. Wells Fargo was sued for selling cars at private auctions making the client or loan holder unaware of sale. My car was sold I was never told that it was going to be sold I was never made aware that it was at said date per my rights under New York State statutes of law. I was never greeted with a time frame that I could arrange in my schedule of a medical assistant, to come on a time where I now had to prepare a ride after my car was taken for me after 7 years of use in the same detriment of debt. I started this contract at {$210.00} per month. I graciously called after payment of the bill to request that we change the payment due date of the bill. And of course Wells Fargo was recently sued for not allowing its customers to do so. So Wells Fargo prevented me from changing my payment arrangement due date despite the fact that I would call in a payment and on that same phone call would request a change in the date of when my bill was actually due for the month. Recent bank records that I've reviewed have stated very odd payments that don't correlate with my actual bank records. A numerous amount of times a Wells Fargo 's representative entered that I paid {$12.00} for the month when I have receipts in money orders and in my bank records that state that I would pay {$240.00} for the month. And then when I would pay I would also request a payment arrangement change of date for when the bill is due. And I would get something in the mail I would sign it I would put the date change and I would mail it back in the correct mailing address for Wells Fargo auto. The next month would come around and I would go to my mailbox and see that Wells Fargo did not in fact change the date that we discussed over my bill paying call and I signed on and now in returned each month from XXXX when my loan initiated until XXXX when I was incorrectly and illegally repossessed inappropriately. Wells Fargo is going to continue to argue with people it does not want to pay after being sued XXXX XXXXXXXX XXXX But also hides documents of request of payment change for the bill despite the fact that the client has copies. And it's Associates enter in payments such as {$12.00} when the entire payment for that month should have been entered as {$240.00} per bank records of client. When repossession was illegally initiated no letter had made it to client and you have no proof that you sent any kind of legal documentation of warning. You also would not allow client to change the date that the bill was due during a positive balance in payment towards the loan. And there is a current open lawsuit against you. And everything that you have done to me towards my time as a client of yours has been every single one of these and more that more people will probably tell you are happening to them too. It's not okay that Wells Fargo Associates have been allowed to enter payments in incorrectly and lose continuous documentation over years and years of client attempts. This is unacceptable to deny clients after the lawsuit that they don't fit into the lawsuit when corrected they do fit into the lawsuit because every single statue of the claimant that sued you to begin with is where I am and I fall into XX/XX/XXXX and you've done all of these things to me. My bank records back that up and I'm not sharing documents with everyone to steal my identity and Wells Fargo knows exactly how they're hiding the incorrect way that they repossessed my vehicle.

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