Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is the letter I sent to Wells Fargo. 

Im writing in regards to the XXXX loan I have with Wells Fargo. This loan was taken out on XX/XX/XXXX the loan amount was {$17000.00}. In which I have made payments totaling {$31000.00} of that {$14000.00} is interest that has been paid and {$490.00} in late fees. I believe this if more than the XXXX XXXX XXXX is worth. Not only that Ive had nothing but problems with this car from the moment I drove it off the lot. This car has been a headache since day one. 
Let me explain what happens with my car sometimes and when I say sometimes, I mean 3-4 times a year since I have had the car. There are different ways this happens as well. First time it happened to me I was sitting at a red light making a left turn and then my car made a jerking motion as if I tried to give it gas while my foot was on the brake pedal and then these lights came on ( XXXX XXXX XXXX & XXXX off indicator ) and when the light turned green my car would not go faster than 10 mph I then had to put the hazard lights on to let the vehicles behind me know that something was wrong. 
Once I was able to get out of the intersection and to the side road, I turned my car off and called XXXX XXXX and explained to him I might need help with my car and I explained to him what was happening. I then turned my car back on and it still wouldn't go more than 10 mph. I drove my car like that on the right side of the road with my hazard lights on and once I got home, I had XXXX come out to my car so I can show him what was happening. Well, my car drove normal but the lights were still on. 

So, I then took my car to the auto shop to get a diagnostic and it came back that a TP sensor A-B correlation was the issue. So, I got that fixed. 

Now here we are a few months later and I go to get in my car to leave for work and guess what, IT HAPPENED AGAIN. I put my car in reverse and it jerked and the lights came on. I didnt make it to work that day. Now Im confused. I thought this was fixed. Then when I got my car towed to the shop all of a sudden, the lights are off and they tell me there's nothing wrong. The diagnostic came back clear. 

I feel stupid as if nobody believes what is happening with my car. This goes on and on. 

Then in XXXX when it happens and I take my car to XXXX to get a diagnostic. ( see attached documents ) So, I take my car to the mechanic and I explain what has been going on. Based off the diagnostic its the catalyst system and XXXX sensor but I told them I fixed the sensor, so they fix the catalyst. I think my car is fixed, and well thats is not the case. 
Theres been a few times when I have been on the freeway and its rush hour so traffic is going between XXXX mph and all of a sudden, my car decided to act up and do this all over again, and being on the hwy its scarier than ever. Same thing I pull over turn car off and wait a few mins then I turn it back on and it will either let me drive normal or not. If not then I repeat. Turn car off and wait. The lights stay on for 1-4 days then turn off. 

Now for some reason all the mechanics I've gone to tell me my XXXX system is not the problem. Ive read in the owner 's manual about this and it says have the dealer look at it. Well, everyone says that it isn't the problem. 

This is ongoing to this day. Clearly, its just something I have to deal with. This is my LEMON and no sugar in the world will make this sweet. 

I should have done what XXXX XXXX asked me to do and fight it under the lemon law but I didnt want to fight or go to court, so I have screwed myself. I wish I took action. Now too much time has passed according to a lawyer I talked to. 

I am at a loss. I have a bankruptcy which makes it hard to get out from this car and into a new car or a different car. 

At this time, Im asking that the remainder of this balance be settled as paid in full. If accepted, you agree that you and/or any associated collections agencies will take no further actions against myself to enforce or collect upon this debt and that I will be relieved of any future liability in reference to this account. Please confirm that you have/will accept the above settled amount as full and final payment and that you will submit to the appropriate credit bureaus that my account is closed and pain in full. Also send me the title of my car. 
If we need to go to court, I will file my demand letter with no hesitation. 
They said the would get back to me but I signed the loan and not to sure they can settle this.

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