Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I just submitted a separate complaint with Wells Fargo Dealer Services regarding collections/harassment tactics. 

This complaint is in regards to Wells Fargo denying me access to my auto loan account. When Logging in to my Wells Fargo account, My Auto Loan stopped showing up in my accounts. I have n't had a way to view my account, how much I have paid, paid down, none of my pay history shows up, and I have n't been able to submit bill pay in over a month because there is no longer an account number to send the payments to. I was n't sure what to think of this new problem with Wells Fargo until they sent someone to my house at after XXXX last night. That issue is part of another complaint, because the person they sent, threatened legal action and physical harassment. All of these illegal actions Wells Fargo is committing against me, have me super confused, stressed out beyond my ability to control, and has been mentally and emotionally damaging. This is really bad for my health. I truly believe this is retaliation Wells Fargo is doing to me. I can see why they denied me the ability to pay, to review all my payments, and why no one at Wells Fargo understand what I am talking about. Its seems pretty convenient for Wells Fargo to completely deny me access to my auto loan account for so long so that they can attempt to repossess my vehicle without even sending me documentation, not even a letter, NOIA, nothing.The Person they sent to my home late last night did not even have any information provide me, no order nothing. After he threatened me verbally and physically, I started to dial XXXX at which point he left. It was n't as easy as that and more details of that incident are in my other complaint. I thought it was relevant to bring up in this complaint # XXXX. I whole heartedly believe this is retaliation for my last two complaints of Wells Fargo, their discrimination and then violating my rights as a consumer by calling me while I have a Cease & Desist on file. It all makes sense, They stopped sending me mail, denied me access to my auto loan account. I do not know what else to believe. I do believe that I made myself a target of Wells Fargo by complaining. This is ridiculous! Why has Wells Fargo removed access to my account from me? They can not remove my access to my Auto Account is that not illegal? Is it an error? 
In addition, Wells Fargo stopped sending me mail about 8 months ago. I should have known there was an issue when I stopped receiving mail from Wells Fargo, but at the same time I had access to my account so at the time it was n't an issue until I logged in and there was no longer an account to review. 
This seems to be another tactic for Wells Fargo to deny customers service and take advantage of someone with or without medical issues. Every time I submit a complaint it, is n't taken serious and nothing ever happens. My first complaint was reviewed by 3rd stage bill collector, not someone from compliance or some outside third party investigating. I am requesting a full investigation for all complaints and not someone with Wells Fargo, it should be someone who has zero ties to Wells Fargo that way it wont be another bias unfair internal investigation. I am going to make contact with my state Representative. This can not continue to happen. My other complaint revolves around legal threats and harassment. This is my last complaint, it is due time for me to seek legal advice for the continued harassment and denying me access to my account. I can log in and all I I can access is my credit card, Wells Fargo has denied me access to my Auto Loan Account. I have tried to look in to this myself and have called, have sent Wells Fargo a message through their website under contact us, several times without response. I was under the impression Wells Fargo didnt want payments or that my auto loan may have been sold to another lender which would make sense why I would n't see my account, but I do n't think that is the case because there is zero evidence that I even had an auto loan at all. Even if my loan was sold, I should still be able to access my account and review my payments, interest rates, etc. This is why I believe this to be retaliation for my several complaints of Wells Fargo. Not sure what type of resolution would be appropriate for this, and previous acts of crime against me. Just because you deny a consumer access to their accounts does n't give you the right to deny payments especially since I have been a paying customer for the last couple of years now. 
I resent that Wells Fargo is using tactics like this to retaliate against me all because I filed complaints against Wells Fargo. 
I have submitted a screen shot of the accounts page. The only account that shows up is my credit card account. There is zero trace of my Auto loan account. I mean there is nothing, No statements, nothing as if I never had an auto loan. No Documents, No Statements, Nothing! This is hazardous to my already deteriorating health. These are things I should not have to deal with as a consumer. I ask you please look in to Wells Fargo and review this complaint and my previous complaints with an unbiased fair review. I do not think its fair for Wells Fargo to investigate my complaints about them themselves. When Wells Fargo investigates themselves, nothing is ever resolved and I can expect the same responses that I have previously received. I am seeking legal action or advise. I do not know enough legally to deal with this matter myself. Ive needed my account number for some time now, I could n't even sell or trade my car in to provide a payoff amount because no one at Wells Fargo could locate my account and I am unable to look it up because its completely gone. All I know is that in XXXX XXXX I was behind on one payment and became due for a second, I paid to get it all caught up in full the same month, I also continued to make one payment a month and yes it was like a week past the due date but never the less I paid every month once I got it caught up. My last payment I made was in XXXX for XXXX, now I am due for XXXX and XXXX and have had my ability to pay stripped of me by Wells Fargo when they removed my account and all its documents. Something is n't right about all of this. Please help.Thank you

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