Consumer complaint received 2017-05-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Reprocessed my Vehicle  when I made payments.     Wells Fargo applied my payments incorrectly on my account.
Wells Fargo calculated wrong amounts due on the loan.
Wells Fargo   wrongfully took my Vehicle  Wells Fargo  Reported I made 24 payments on  XXXX   XXXX   XXXX   ( I NCORRECT )  Wells Fargo  Stated I was Late starting  XXXX   XXXX   (  INCORRECT )  Wells Fargo  Charged  XXXX  late fee when my contract says  XXXX   XX/XXXX    Wells Fargo Billed me for Late Fees that show incorrect amounts Wells Fargo REPOED my car when I was current on my payments.
Wells Fargo Representa  tive stated I did not owe over the phone and stated they applied my payments wrong. They deney this and failed to pull the call that took place.   I prepaid my  Wells Fargo a ccount all payments 6 months-12 months Early I prepaid my Accout  XXXX  and Still stole my vehicle Fraudulently  Wells Fargo is  reporting an incorrect balance and payment history.   I prepaid my Account my payment was not due until  XXXX   XXXX ,  XXXX   Wells Fargo  Reported My account Late 120 Days Fraudulently  Wells Fargo T ook My vehicle Fraudulently Wells Fargo sold my Vehicle  XXXX  under Blue Book Value of the Vehicle which is  XXXX   Wells Fargo  Sold Vehicle for  XXXX  at Auction Fraudulently Report  Wells Fargo  Reported Fraudulently Charge Off as of  XXXX   XXXX  to  XXXX   XXXX   Wells Fargo  Report Fraudulently : 120 days past due as of    XXXX   XXXX    90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX   Wells Fargo  Charged  XXXX  added my extended Warranty to my loan when I canceled it.    Wells Fargo  charged off  XXXX  when they stated my past due amount is only  XXXX  Status : Account charged off. {$5300.00} written off. {$4700.00} past due as of  XXXX   XXXX .    Status Details  : This account is scheduled to continue on record until  XXXX   XXXX .   This item remained unchanged from our processing of your dispute in  XXXX   XXXX .    Wells Fargo  States my account balance is  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown ( FRAUDENTELY REPORTED NUMBERS ) VEHICLE PURCHASE INFORMATION : Purchased  XXXX / XXXX / XXXX  Purchase Price {$31000.00} Total Tax Charged  XXXX  Extended Warranty :  XXXX  TOTAL :  XXXX  FIRST PAYMENT DUE  XXXX   XXXX ,  XXXX  {$600.00} Late payments  XXXX  or 8 % of payment whichever is late ALL PAYMENTS MADE EARLY :  1. PAYMENT {$600.00} 2. PAYMENT {$1800.00} 3. PAYMENT {$1800.00} 4. PAYMENT {$610.00} 5. PAYMENT {$1800.00} 6. PAYMENT {$1800.00} 7. PAYMENT {$1700.00} 8. P AYMENT {$1700.00} TOTAL :  XXXX   Wells Fargo  missed Payment of  XXXX  Total Paid : {$13000.00}  Wells Fargo  REPOED my car when I was current on my payments.     NUMBERS REPORTED THE EXPERIAN : Account History : Charge Off as of  XXXX   XXXX  to  XXXX   XXXX  120 days past due as of  XXXX   XXXX  90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  Balance History - The following data will appear in the following format : account balance / date payment received / scheduled payment amount / actual amount paid  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$4700.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$5300.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / Unknown / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$27000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown  XXXX   XXXX  : {$30000.00} /  XXXX   XXXX ,  XXXX  / {$600.00} / Unknown Limit High Balance History : The original amount of this account was {$37000.00} spoke to the office of the president regarding the missing paymen t. Wells Fargo s aid they would not auction off my car due to the dispute and payment issues on the account. The had already auctioned off my car.     Letter written to the office of the president of  Wells Fargo  : Case number :  XXXX  Att :  XXXX  Office of the President Loan #  XXXX  Please reference the payment on  XXXXX  for {$1800.00} that took place after the payment of {$610.00}. I was not expecting to make a payment until  XXXX   XXXX . As you can see I have prepaid my Loan since the beginning and always early on my payments. Also two reps from Wells Fargo told me my Payment was not due until  XXXX .     Thanks,  Wells Fargo  was sending my statements to a  Fraudulent Address  in  XXXX   XXXX .

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