Consumer complaint received 2019-07-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
The United States Trustees for the United States Bankruptcy Courts sued this company Wells Fargo Dealer Services for fraudulent transactions of forcefully applying Comprehensive Protection Iinsurance against the customer without their consent charging an amount that clearly compromises their ability to maintain adequate payments of the unexpected expense that was expected to be paid by the customer. The United States Trustees for the United States Bankruptcy Courts in the XXXX Division XXXX XXXX received payments that was paid by the Debtor that went to Wells Fargo Dealer Services which was a payment paid by the Complainant and was a Debtor in Cause # XXXX. The United States Trustees for the United States Bankruptcy Courts in the XXXX XXXX, Texas, in Cause # XXXX heard arguments between parties in a relief from automatic stay after a towing company who retrieved the vehicle and sent notice to the finance company at their time retrieving the vehicle from the collision center after it needed repair a collision on two separate occasions and Wells Fargo Dealer Services would collect from the insurance because the Wells Fargo Dealer Services was the creator, the payee, the owner, and beneficiary from a policy in place where there were amazingly two collisions with this comprehensive coverages and never paid a penny towards the repairs to the vehicle but were authorized to profit from the coverage that was created without consent of the Complainant. The United States Trustees for the United States Bankruptcy Courts have prevailed in a settlement for the fraudulent transaction and has been notified by the Complainant, who has multiple years of ongoing Collateral and Economical Damages and Injuries and Future and Past Economical Damages after he has experienced losses of ( 3 )  businesses where he is now again in financial distress from the business transaction and has been notified that resources are available to thwart his issues and have notified Wells Fargo Dealer Services, currently D/B/A/ Wells Fargo Auto who have did nothing but continue to agitate the situation by failing the finalized a claim where clearly they are liable for all damages as claimed. 

This is a Regulatory Dispute because supporting credible notice has provided to the complainant by the Respondent who has given verified notice that have again committed fraud upon the court and has now acknowledge that they did defraud the customer, a debtor in the Bankruptcy Court in the referenced cause of action who has provided proof that the financial institution has been deceptive in their operation and made statements supporting an Affidavit of Fact signed by Wells Fargo Dealer Services where the title was delivered tot he United States Trust XXXX XXXX and that title and a certified copy was delivered to the Complainant and Debtor. ( See Affidavit of Fact Attached ) This is a Regulatory Dispute because the Complainant  has received a Chapter XXXX Discharge after complaining of Economical and Collateral Damages which of non-reviewable. 

This is a Regulatory Dispute because the Complainant has had multiple disputes with this agency requesting assistance with his consumer affairs and business relationship with this subsidiary of a major financial institution where several acts of frauds have been committed upon a person, whom is a totally and permanent XXXX veteran of the United States XXXX XXXX who has claim injury and losses and no other alternative for resolve because any topic review or rehearing the matter would be dismissed as moot. 

This is a Regulatory Dispute because the entity has admitted fault and has apparently the resources to sever the complaint for which the Complainant is still being injure and agitated by the Respondent Wells Fargo Dealer Services, D/B/A continuing to delay severance after they initiated contact with the Debtor who is not able to live a healthy life due to additional disabilities, displacement, tarnish of his reputation due to not able to make necessary financial responsibility due the damages and losses as he has claimed and has requested an emergency severance to prevent any further hardship resulting from the ripple effects of the respondent who has no other alternative to not pay the claim for the following affirmative defense the complainant has to his advantage :. 

1. XXXX XXXXl 2. XXXX XXXX 3. Statute of Limitations 4. XXXX XXXX XXXX to substance of injury and damages to a XXXX person ; a criminal offense, after victimization of a fraudulent transaction, and a series of years of ongoing ripple effects, the complainant should receive a special consideration and has asked that this complaints is handled and resolved as an emergency to prevent any further delay and damages and injuries as requested as Special Exception. ( Attachment All Pages are Authenticated )

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