Consumer complaint received 2020-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Please ITEMIZE My Payments to reflect how they are applied. Please advise on the refunds below that were funds taken from my payments and then applied as XXXX refunds from Wells Fargo. Does Wells Fargo intend on advising the State Attorney Generals of these Fraudent refunds and the effect it has on its pending settlements? What type of impact does this cause for the borrowers and for Wells Fargo? 
My loan originated on XX/XX/XXXX for XXXX My term was 59 mo payments of XXXX which includes 5.99 % APR mo int rate. 
I made 13 mo payments totaling XXXX. 
My average mo payments made included an overpayment of XXXX. 
My last payment was for XXXX making my total payout in 16 mo  XXXX. 
PLEASE EXPLAIN how the XXXX OVERPAYMENT was applied. 
XX/XX/XXXX payment XXXX. Please explain how payment variance of XXXX was applied XX/XX/XXXX payment XXXX XXXX XXXX mo ins premium ( XXXXXXXX ) XX/XX/XXXX late fee ( XXXX ) Why? 
XXXX payment XXXX Please explain how payment variance of XXXX was applied XX/XX/XXXX payment XXXX Please explain how payment variance of XXXX was applied Please explain how XXXX was calculated for XXXX XXXX  XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX payment XXXX. Please explain how XXXX was calculated for XXXX XXXX XX/XX/XXXX XXXX refund XXXX Please explain why this was a balance moved, NOT Reimbursement from Wells Fargo XX/XX/XXXX XXXX increase ( XXXX ) Please explain why the additional XXXX XXXX   charge Please explain how payment variance of XXXX was applied XX/XX/XXXX XXXX refund XXXX Please explain why this was a balance moved, NOT Reimbursement from Wells Fargo XX/XX/XXXX late fee ( XXXX ) Why? 
XXXX Payment XXXX XX/XX/XXXX late fee ( XXXX ) Why? 
XXXX Payment XXXX. Please explain how payment variance of XXXX was applied XX/XX/XXXX late fee ( XXXX ) Why? 
AS OF XX/XX/XXXX I made 7 payments totaling XXXX and only XXXX was applied to my principal. PLEASE ITEMIZE payments to show how they are applied. 
XX/XX/XXXX Please explain how the payment variance of XXXX was calculated and applied. 
XXXX Please explain how the payment variance of XXXX was calculated and applied. 
XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX other charges ( XXXX ) Please explain. 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX Please explain how the payment variance of XXXX was calculated and applied. 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX Payment XXXX Please explain how the payment variance of XXXX was calculated and applied. 
XX/XX/XXXX other charges ( XXXX ) Please explain. 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX late fee ( XXXX ) 2 same day? Why? 
XX/XX/XXXX Please explain how the payment variance of XXXX was calculated and applied. 
XX/XX/XXXX Payment XXXX Please explain how the payment variance of XXXX and was calculated and applied. 
XX/XX/XXXX other charges ( XXXX ) Please explain. 
XX/XX/XXXX INCREASE TO PRINCIPAL BALANCE ( XXXX ) Explain. 
XXXX Payment XXXX XXXX other charges ( XXXX ) Please explain. 
XX/XX/XXXX XXXX mo ins premium ( XXXX ) XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX Payment XXXX. Please explain how the payment variance of XXXX was calculated and applied. 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX Payment XXXX. 
XXXX XXXX Partial Refund ( XXXX ) WHY DOES MY PAYMENT GET USED FOR THIS ALLEGED REFUND???? Please explain how you intend on paying any borrowers back if you took payments from borrowers and used them in place of XXXX REFUNDS? Please explain if it is just for Wells Fargo to advise the State Attorney Generals of these errors and the impact it has on Wells Fargo and it's customers. 
XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX Payment XXXX XX/XX/XXXX late fee ( XXXX ) Why? 
XX/XX/XXXX Unapplied Amount ( XXXX ) XX/XX/XXXX Interest payment ( XXXX ) Please explain how this was calculated, what it was applied to, and the reason it comes directly from my payments. 
XX/XX/XXXX XXXX Payment ( XXXX ) Please explain how this was calculated, what it was applied to, and the reason it comes directly from my payments. 
XX/XX/XXXX Interest Decrease ( XXXX ) Please explain how this was calculated, what it was applied to, and the reason it comes directly from my payments. 
XX/XX/XXXX LATE FEE CHARGE WAIVE ( XXXX ) Please explain how this was calculated, what it was applied to, and the reason it comes directly from my payments. 
XX/XX/XXXX Payment XXXX XXXX Unapplied Increase XXXX Please explain

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