Consumer complaint received 2023-02-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Please be advised that the following information is a month-by-month account of how our interactions with representatives from WELLS FARGO have been handled . I have been deceived, abused with profane language, harassed, embarrassed, and has led to my credit report / file to be damaged. This information has also been sent to the XXXX XXXX XXXX for publication to ensure that others do not go through a similar process of such abusive tactics by the WELLS FARGO corporation.

As I accepted the alleged credit transaction through WELLS FARGO I failed to do my research about the company ..believing contracts are bond like the hand shake or word! I began to research on how WELLS FARGO abusive behaviors and fraud fabrication against the would-be consumers was a common issue with their corporation. Initially I was making payments on the WELLS FARGO app, which would be the easiest method of payment, however the process to make a payment became an inconvenience.

I would pay the alleged debt 5 days before the due date and Wells Fargo would not confirm payment. The payment would be confirmed 10 days later after the due date. Then Wells Fargo reply that there were returned funds for insufficient funds, when in fact the funds were there ( Banking States Proof sufficient funds ). I was informed that I had to call and speak with a representative to make a payment that would rectify for the same day ( This is the excuse given after they are the culpable party ). What is the point of the app if I cant do the same there? 

I had my girlfriend ( XXXX XXXX ) as an authorized user and when she called they denied her access. She was told that she was not an authorized user to make any payments or anything on the account. It took 4 attempts to get her name ( XXXX XXXX ) listed as the authorized user on the account. 
When I make the payments, each time someone would state they had it right, it would not be noted. At the same time, you would mark the account as late, when it was actually paid early. The issue has affected my credit score by their abusive tactics and destroying my reputation. Which decreased my score drastically and was not able to purchase a house or rent an apartment due to these ongoing abuse tactics towards my credit report. Which has drastically impacted my well-being, health, emotional state and overall my credit report / file.

The amount of time, money, and impact on my overall well being has inconvenience me and taken a serious toll on me. Ive spent not only paying for my vehicle but trying to continue to rectify the issues caused by your abusive representative and rules, policy, and guidelines each and every month is exhausting and humiliating.

They call my phone during work hours without my employer 's permission, I have repeated several times that I work long hours and it is an inconvenience to call me at work. They have pranked me by calling and hanging up the phone and not speaking, when I ask who this is. The worst is when they harass me by bullying and using profane language when I ask the who, what, why, and how questions to issues that were forced on me by WELLS FARGO corporation. WELLS FARGO representatives have violated my consumer rights in multiple factions of the law.

Violations of Wells Fargo : 1. WELLS FARGO has ruined my credit report score, I went from a 744 or higher to the low 500s in a short time span due to their incompetence of handling financials. Which they then decide to point the finger at the consumer and penalize me for their infractions.

2. I was not able to purchase a house or rent an apartment during the time frame of this defamation of character, abuse tactics, harassment, and ruined my credit reputation. They were reporting and damaging my credit report account with negative remarks and causing me extreme stress ( Still is going on to this date ).

3. Has called during my working hours without receiving permission from my employer.

4. Wells Fargo has prank called me numerous times by not speaking on the phone. They do not leave a voice mail and hang up on the call.

5. Wells Fargo has reported late payments to the credit bureaus without fully investigating the violations.

6. I had multiple calls with wells Fargo representatives stating the issue was being investigated and it looks like there is a problem. 
XXXX. On XX/XX/22 at XXXX XXXX  a wells Fargo representative and I engage in conversation to handle the issue at hand. The representative was rude and used obscene and profane language. Every time I quoted the law and tried to explain to her that it is illegal to contact me at work and it is illegal for her to abuse my consumer law rights, and use obscene and profane language against me she would go into tantrum or ramble about nothing to do with the question or questions I needed answered to resolve the issue that WELLS FARGO had created and blamed me. I have asked to speak to a supervisor, and she denied my request ; by asking questions that had nothing to do with my request. I once again asked to speak to a supervisor and was denied. She proceeds to use abusive tactics and I reminded her again that I am at work and asked if they have permission from my employer to be contacting me during work hours. I stated you are in clear violations of the consumer laws and are violating my rights. I asked to speak to her supervisor and she ramble on with nothing to fulfil my request. I said thank you and hung up, since my request were not made. There were other incidents but this was the one incident that was I able to write down on paper.

8. I have always paid my note payment 10/ 5 days before the due date. I have banking confirmation of WELLS FARGO confirming payment. I do not under why they created these obstacles, knowing they are at fault for the consumer credit transaction issues. Now with my research and comprehending the Truth In Lending Act ( 15 usc 1601 ) with I have also discovered fraud in my retail installment contract. Failure of full disclosure!!!!! The 3 day right of recession was never brought to my attention, along with them not providing a copy of the check, and other infractions which NULLS and VOID the contract by law!!!!!!!!! There is no statue of limitation on Fraud!!!!!!!!!!

9. Repossession of Vehicle from a friends house.

Below I will Listed some the United States Codes and Consumer Law Violations committed by WELLS FARGO and their 3rd party affiliates : 15 USC 1692b Acquisition of location information ( 2 ) 15 USC 1692c - Communication in connection with debt collection 15 USC 1692d - Harassment or abuse 15 USC 1692e - False or misleading representations 15 USC 1692f - Unfair practices ( 6 ) ( 8 ) 15 USC 1605 determination of a finance charge ( a ) ( j ) ( k ) 15 USC 1662 advertising of down payments and installments 15 USC 1635 - Right of rescission as to certain transactions 12 CFR 226.23 - Right of rescission 18 USC 1341 - Frauds and swindles 18 USC 8 - Obligation or other security of the United States defined 15 USC 1611 - Criminal liability for willful and knowing violation 16 CFR Part 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES This is just a rough draft of how I XXXX XXXX Living flesh and blood man have been violated of my consumer rights!!!!!

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