Consumer complaint received 2020-11-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Saturday, XX/XX/XXXX, I went to Headquarter XXXX at XXXX XXXX XXXX XXXX, in XXXX, Fl XXXX to get a service for my car ( XXXX XXXX XXXX that I previously got from this dealer in XX/XX/XXXX ). The car has recalls and was having a serious issue on the road and I was terrified, I am XXXX, and the car was stopping on the light stops. 
In the service lane, Mr. XXXX XXXX told me that my chances to get service for my car ( because it was a XXXX ( sold by them ) was gone because it wasn't a XXXX but I needed to know what was happening so they charged me with {$96.00} for the diagnosis but it wasn't going to be fixed by them. I was upset and sad and sitting down by the cafeteria area where I was approached by Mr. XXXX XXXX ( salesman ) who told me that even though they couldn't do anything with the XXXX ; he will offer me a deal but I had to get inside and talk to him. He told me that I could get another car by lease or a loan, but I would have to default my actual loan and tell the Financial company ( XXXX XXXX ) that I have lost my job and I couldn't make my payments anymore. ( later I read reviews of other people about the same offer ). He told me that nothing was going to happen because XXXX XXXX will get my car and sell it and in that way will get their money back. That yes my credit was going to be destroyed but as soon as my next auto loan would be processed everything was going to be ok, he and Mr. XXXX XXXX, the finance guy who works with mr XXXX agreed on all these lies and terms. He didn't want my husband to be inside the office because " covid19 '' and neither he let me read all the things he made me sign on his XXXX. 
This is something that should NOT be permitted at dealers, you sign anything they want and you don ; t have ANY chance to read it. And in top of getting a 2nd car, they made get a XXXX Credit Card for {$2.00} ( they used as a down payment ) for which I never read any terms for the interest rate ( 26.99 % ) for God 's sake or anything, and Mr. XXXX was the one who processed and signed for it. I NEVER KNEW THE INTEREST RATE, NOR HE SHOWED ANYTHING IN REFERENCE TO. 
Yes, I went home with 2 cars and before I could get to my home I was already terrified of the deal I had just gotten. I texted Mr. XXXX on the phone telling him that on Sunday ( next day ) I was going to return the car. I called him and he told me that that was impossible because the cooling off period was NOT in the contract anymore, that Florida didn't allow that anymore. 
But, I got my family to whom I had to tell the truth and we all went to the dealer. We requested to talk to Mr. XXXX and XXXX but they told us Mr. XXXX was fired because of the deal with me ( which I didn't believe it ). Another person replacing the actual manager came and talk to us, my son told him that what they did was illegal and we were getting a lawyer because they knew about my state of mind and I was a senior person. The manager agreed then to take as a trade my XXXX XXXX ( which I had paying for since XX/XX/XXXX. Attached are the 2 contracts they did. 
Because all the legal consecuencues my family told them they paid XXXX to XXXX XXXX ( my former financial company ) but the trade was for only XXXX. Plus the XXXX of the credit card. If you can read the 2 contracts they gave me the worst deal I can get, they put on my credit XXXX more that I have to start paying now in XXXX, even though they knew I was in furlough and under unemployment help. Then, at the time they wrote a second contract he added a lot more papers to the XXXX and I couldn't read all of them, Mr. XXXX made me sign them one more time, without any member of my family to assist me in reading them. I requested to take a photo of the ones he let me do it ( they are attached ). My question is, if they took the other car ( even though they paid off ) and they were going to sell it, and I had been making payments for a year already, why the trade didn't make a difference in the contract amount. And in top of that if I don't pay the total of the XXXX of the credit card before XX/XX/XXXX they are going to accrued the interests???? how? in the world. 
How can i get a better deal, a lower montlhy payment and different terms with that credit card of them? THIS IS ALL FROM THE SAME COMPANY : HEADQUARTER XXXX ( Dealer ) XXXX XXXX. XXXX XXXX, XXXX, Fl XXXX XXXX XXXX CREDIT CARD ( XXXX ) XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The financial company they requested to finance my car is Wells Fargo. 
Please, I need your help. I never stopped making the payment on the XXXX and I don't intend to default this one but to get a better deal. From the beginning this was a something illegal. Many of the employees inside the dealer know this ILLEGAL practice they use around the service area when customer go there to get service and are desperate to fix theirs cars..me included, .they play with people 's lives. 

And I am not the first person approached by them with the same offering.

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