Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This all started back in XXXX of XXXX, I try to make a settlement of {$1500.00} with WellsFargo I owed maybe {$3000.00} on my car I told them the transmission was bad & I couldnt afford to make a car payment & get the car repair I was told by multiple reps to basically just do an involuntary repo which we all know that would have a negative impact on my credit & why would I want to do that when Im close to being finished so then I was offered a deferment which I said I would call back later about it so now in XXXX towards the end they call and I ask can I see about getting a deferment because I was out of work & I hadnt received my unemployment which I still havent so the rep says they need proof of me getting unemployment before they can give me a deferment I take the paper to a branch & they are looking at me like they are confused so I call back & WellsFargo say I dont qualify for a deferment anymore & contact the lost prevention so she says its nothing she can do so I contactcomplaint department at number XXXX ) in XXXX & spoke with XXXX who provided case number XXXX & said someone would be contacting me soon then it was assigned to XXXX XXXX XXXX ( cant remember exact name ) who called me on XX/XX/XXXX & she said she would look & see what can be done then & would call me back by XX/XX/XXXX, I Told the lady what was going on she told me to sell the car or refinance the car with another company but also asked if I still had the {$1500.00} from back XXXX which I didnt because I was told no they couldnt settle so she transfer me customer service at number XXXX & I spoke with XXXX XXXX XXXX very nice ) & I told her what was going & how the XXXX couldnt help with my account till the end of XXXX because I would be almost 70days past due so XXXX XXXX said she could help I needed to pay the {$450.00} by XX/XX/XXXX so here is where the big problem start, on XX/XX/XXXX my step dad paid my car off in the amount of {$2900.00} we called in at the ( XXXX ) XXXX number the representative who picked up the phone was XXXX ( we could tell he was new & possibly in training by the way he sounded on the phone ) so my step dad provides him the information to pay my car off, we received confirmation number XXXX, I even called back on XX/XX/XXXX & automated system couldnt find my account then I couldnt even view online so I then speak with representative XXXX  who said the payment was approved & WellsFargo would be sending the title XX/XX/XXXX or verification of the title. so I go to login on XX/XX/XXXX to see if anything changed & I see that I can log in so now I see the payment was reversed on XX/XX/XXXX in the amount of {$2800.00} & NO ONE from WellsFargo even called, not even sent a XXXX XXXX email, not even an automated call, or one of the reps who been calling about the account being past due NO NOTIFICATION was sent at all! HORRIBLE COMPANY so I called in & I told representative XXXX XXXX  that I needed a manager so she puts me through to XXXX who says the reason probably was my step dad didnt authorize it through his bank thats why it didnt go through, like what how can you blame the customer when its XXXX whom still need to be in training fault because he 9x out of 10 enter the wrong numbers so he escalate the account ( XXXX ) to the executive vice office which is the same people I did the complaint with at number XXXX so I call & XXXX answer the line I tell her the story she is like my account would be placed on a hold for 10days & she will expedite the process so my case ( XXXX ) can be assigned so now I call in on XX/XX/XXXX XXXX answers the phone saying I have to wait & he cant confirm anything XXXX said ( WE CAN TELL THEY JUST TRAINING & THROWING THEM PEOPLE ON THE PHONE BECAUSE OF CALL VOLUME HIGH ) so I call back that evening spoke with XXXX who said my case was assigned & that the manager XXXX would be calling me tomorrow which is today XX/XX/XXXX, ask me did a XXXX call me at all? ? NO so I called back again because I received notification my credit score has dropped from XXXX to XXXX now XXXX & XXXX or XXXX answered & my case was assigned to XXXX XXXX who picked up the case because it went to the XXXX  but he told me the payment probably didnt go through due to insufficient funds like what? Is it because the account was already past due & you assumed I didnt have money or a family that helps or because Im XXXX & all XXXX are low class?? oh okay he havent even looked at the case nor listened to the phone call But mind you manager XXXX said it was probably because my step dad didnt approve it but now it was due to insufficient funds KUDOS to whoever trained everyone in their position ( SARCASM ) my step dad even reached out to his bank & they told him Wellsfargo didnt attempt to take anything & if they did it wouldnt been a problem, so that leads us back to the newbie XXXX Because we need to know what happened? Now Im 44days past due which puts me in repo status after XX/XX/XXXX & WellsFargo dont care because its not them, they credit, their car, or problem its not fair they are the worst company ever & that is why they have a lawsuits now but dont worry another soon to come again because the company is very unorganized & have no clue whats going on like it all bad, I need my credit score back to where it was & everything fixed with this sorry excuse for a company. Crazy part been with Wellsfargo since XXXX & not ever ask Wellsfargo barely even called for much I had to call more this year then anytime & this was actually my year to be paid off & done with Wellsfargo, just a really grimy company.

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