Consumer complaint received 2015-11-05
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with Wells Fargo Services in XXXX of XXXX. I got behind a few times ; once in XXXX and once in XXXX. They have since removed ANY history of this from my credit report. This year, I lost my job. I could not pay them. They repossessed my car without ANY notice, and violated all of Connecticut 's statutes. The FCRA is my last step before I seek a law suit and damages pertaining to what they did. The fellow I spoke with on the phone, who " claimed '' he was a supervisor told me and I quote ( I have a copy of this phone call on my phone ) that " They never needed to notify me. '' Not only is that a false statement, but they were also, within 3 days, supposed to send me a notice of intent to sell the vehicle ; which they also never did. These are all in the Connecticut statue book which can be found here : XXXXXXXXSee other complaints from consumers here, there are XXXX : XXXXXXXXWells fargo is nothing but a scam company. They told me that I had " not cured a payment in XXXX '' and that was " Why they were repossessing my vehicle. '' I paid the bill. I have my statements. When I got off the phone with their representative who I called because I was n't even aware I was late, I had asked if I was all set and he said yes. 
If I have to take this to court, I am going to go all the way to the federal courts and make sure that Wells Fargo gets broken up and file a class action lawsuit against them, because they are nothing but scam artists. 
They took my car, and my XXXX year old had to come with me to pick my possessions out of my vehicle and I am willing to go as far as I have to to make sure this never happens to anyone again. The only notice I ever received, months after they sold my car, was a letter of sale and what was owed. Per CT statutes : Notice of intent to repossess : " Not less than ten daysprior to the retaking, the holder of such contract, if he sodesires, may serve upon the retail buyer, personally or byregistered or certified mail, a notice of intention to retakethe goods on account of the buyer 's default. The noticeshall state the default and the period at the end of whichsuch goods will be retaken, and shall briefly and clearlystate what the retail buyer 's rights under this subsectionwill be in case such goods are retaken. '' Conn. Gen. Stat. 
XXXX ( b ) ( XXXX ). 
Never received a 10 day notice from Wells Fargo. And I HAVE the phone conversation where the employee stated they " were not required to send notice ''. 

Self-help Repossession : " Unless the goods can be retaken without breachof the peace, it shall be retaken by legal process, but nothing hereincontained shall be construed to authorize a violation of the criminal law. Inthe case of repossession of any motor vehicle without the knowledge of theretail buyer, the local police department shall be notified of such repossessionimmediately thereafter. In the absence of a local police department or if thelocal police department can not be reached for notification, the state policeshall be promptly notified of such repossession. '' Conn. Gen. Stat. XXXX ( a ) ( XXXX ). 

The tow truck driver admitted that he had " made a lot of noise '' because of " the car seats in the car. '' I know where he works and lives and if I have to have him subpeona 'd to testify ; I will. 

I want this removed from my credit. They are trying to now hold the remaining balance over my head, which, they just get to " charge off. '' As far as I am concerned, I owe them nothing, and being very fair by NOT taking them to court and suing them, per CT laws, for 25 % of the original loan amount ( which is legal in CT ). My cell is XXXX. 

( And I have a witness ; who is my wife, who is willing to testify in a court of law ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation