Consumer complaint received 2017-12-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX it was brought to my attention that Wells Fargo had been reporting, not only my credit report but on my ex-husbands report as well, a failure to pay on a vehicle that we have not owned sinceXX/XX/XXXX 
On several occasions, I and my ex-husband have spoken with XXXX XXXX with Wells Fargo to dispute the flagrant and unlawful reporting, with no success. With these conversations, she expressed to me that I, myself have had several conversations with Wells Fargo via a recorded line about the account. I told her that I would like to know the dates and times of these conversations and her response to me was you will need to get a subpoena for that. XXXX also shared with me that this account was originally with one department of Wells Fargo and then was transferred to a different department within Wells Fargo and that this was something Wells Fargo did company wide with certain loans. Our original loan number was XXXX and then at some point was changed to XXXX, per XXXX XXXX of Wells Fargo. 
On XXXX XXXX XXXX submitted a letter to my-exhusband, which I have attached. I have also made notes on each bullet point that she had outlined. 
Per the conversation with XXXX, this account was charged off on XXXX XXXX XXXX. After said date, I did not receive any further communication from Wells Fargo regarding any additional monies that were owed to them. I was under the impression that once I paid them the {$600.00} via XXXX XXXX, the vehicle was paid off. I did NOT receive ANY notification or phone calls saying any different until XXXX XXXX, when my ex-husband was working on his credit and saw that this was being reported on our credit. I immediately contact them to find out what was going on. 
The first contact I made was with a female name XXXX in the collections department and she became extremely volatile toward me. I tried to explain to her that this vehicle was traded in, XX/XX/XXXX. She then told me that it was not paid for and that regardless if we traded in the vehicle that, it was still our responsibility to pay the balance owed. I then told her that the Dealership that we traded it in with paid them ( Wells Fargo ) {$450.00} payoff, which was the amount that Wells Fargo told them was the payoff amount and that I have the check number and the certified letter receipt from when they sent it. I then told her that I was certain that the vehicle was paid off in XXXX. She then told me that she didnt care about that. That there was still a balance owing and it was out responsibility to pay it. I told her I was done talking to her and that I would call someone else. She told me good luck. I then contacted XXXX XXXX from the letter that my-ex received and we started this whole conversation over again. I have attached the letter from XXXX at Wells Fargo with my notes written on each bullet point. 
From the research I have completed, the account has been satisfied as of XXXX/XXXX/XXXX, yet Wells Fargo continues, to this day, XXXX XXXX, XXXX, to report a Failure to pay on both mine and his credit reports and this is affecting our lives immensely. We have requested that Wells Fargo correct this and discontinue this reporting on our accounts and we were told that there is nothing they can do. We are in hopes that the XXXX will be able to assist us with this rectifying this unfortunate situation. What we do NOT take responsibility for is the lack of professionalism and commitment on Wells Fargo behalf to collect on a debit, for a vehicle that they could have potentially repossessed. After reviewing the account ledger that Wells Fargo provided and comparing it to the payments I that I had made, I believe that I have overpaid them. There are hundreds of dollars in misc. charges that are randomly placed within the account. The letter that XXXX sent stated that On XXXX XXXX I was advised that the account matured on XXXX XXXX, XXXX and it was 116 days past due, when in fact, from the ledger Wells Fargo sent, the balance as of XXXX/XXXX/XXXX was {$380.00}. I proceeded to pay and additional, {$1700.00} between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which was three times the balance due. Plus, the {$450.00} the dealership sent them. 
Wells Fargo is known for their unscrupulous practices and it looks as though we have become victims of theirs as well. 

Thank you and we appreciate your assistance with this matter.

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