Consumer complaint received 2017-07-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today is X/X/2017. I have spoken with Wells Fargo Dealer Services on several occasions and submitted proof of payment from XX/XX/XXXX 2017 to XX/XX/XXXX 2017. I am up to date on all payments however I am constantly receiving calls twice a day, 6 days a week from Wells Fargo even after speaking with them and sending in proof of 2017s payment history with proof of certified documents delivered and received.
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The issues started, when I submitted a money order to Wells Fargo in XX/XX/XXXX 2017. I noted on the money order for the payment to be applied to the principal. Wells Fargo conveniently claimed they never received my money order in the mail. I had to cancel the money order and wait for a new one to be reissued through XXXX XXXXX. The process took over 30 days for the money order to be traced and refunded. When I finally received the money order I re-submitted it to Wells Fargo through certified mail. I also submitted several money orders in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 2017. <P/>However, Wells Fargo is continuing to play games claiming I still owe two back payments plus XXXX in late fees. This company calls me every day attempting to collect money that I do not owe. Im also receiving calls from the repossession department. The problem has gotten out of control with Wells Fargo and this company continues to violate my rights under the Fair Debt Collection Practices Act. My only option was to file a claim and reach out to the necessary authorities because of Wells Fargos deceptive business practices. <P/>Wells Fargo is a predatory lending company. My car loan originally included a loan Packed with Junk Fees like gap insurance and a vehicle service contract. A car valued at XXXX sold at XXXX ( through the dealership ) ended up costing me nearly XXXX. Wells Fargo and the dealership already got over on me, and Wells Fargo is continuing to beat me out of more hard-earned money and now attempting to make an illegal repossession. <P/>Wells Fargo does not have the right to continue to use repossession as a threat under the Fair Debt Collection Practices Act because You can not use false or misleading representations to collect a debt. Wells Fargo does not have the right to continue to call my business phone twice a day six days a week after I have submitted proof of payment and after I have repeatedly asked them to investigate the matter and to seize all contact to my business line. <P/>Wells Fargo does not have the right to continue to falsify actual payments received or the legal status of any debt ; the following conduct is a violation of section 808 Unfair practices and 807 false or misleading representations. Wells Fargo does not have the right to withhold sent payments and to refuse to credit my account. Wells Fargo is not willing to comply or investigate the matter simply because they dont have to and I dont have the authority to force them to abide by the rules and regulations. So, I am reporting them and seeking some form of resolution with Wells Fargo Dealership Services.

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