Consumer complaint received 2015-04-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am a single mother of XXXX who has been a loyal Wells Fargo customer for over 15 years. My loyalty stems from the fact that my family and I have XXXX accounts with Wells Fargo which is why I decided to use the Wells Fargo Dealer Services car loan service rather the other options that I had when I purchased my car in XX/XX/XXXX. 

I could never have imagined that a company I supported this much would be the one to destroy my credit worthiness by reporting me late and by closing my account when I have made all my payments to date. I have requested for the pay off amount, the transcripts of all my calls to WDLS and have yet to receive these documents. 
Here is the brief about this case below : XXXX XXXX, Collections Manager is charging me for insurance when I already carry insurance through XXXX. This is a scam to steal funds from me! 
I traveled out of the area on business for months and garaged me car. I arranged with my XXXX insurance to remove collision insurance from the comprehensive insurance since I would not be driving the car. However all the other insurance was intact and I paid all my premiums. 
XXXX XXXX requested proof and I submitted all documents ; held XXXX way telephone conversation with XXXX XXXX, my insurance agent who explained that the car is covered, Wellsfargo insurance agent who stated that it was up to XXXX XXXX to waive the Wellsfargo insurance for me as has been done for other people. XXXX XXXX told me that the waiver has been done. So I was surprised when my credit bureau report shows that I was reported late for late payment even though I had been paying my usual payment without including the Wellsfargo added insurance since XXXX XXXX said it was taken care off. When I called XXXX XXXX, he apologized profusely and said he would take care of this, and have my credit profile corrected but he was just stalling. He asked me to call the insurance dept of Wellsfargo who told me that they do n't know why XXXX XXXX asked me to call them because they do not have anything to do with waivers. XXXX XXXX has been lying to me and is using the credit bureau report as an intimidating way to get me to pay Wellsfargo Dealer Services another over 600 dollars which XXXX XXXX will get credit for, which is a XXXX charge because I already have insurance with XXXX which even with the collision coverage included is cheaper than what Wellsfargo Dealer Services insurance is charging me. 
I have tried to resolve this through Wells Fargo Dealer Services but all they do is threaten me. 
This is a scam and should be STOPPED! Even their own insurance department has said that it is a scam! 

I have tried to resolve this case through Wells Fargo Dealer Services, WDLS, Customer Service and various channels for the past year without success. I reached out to Better Business Bureau, but WDLS keeps using delay tactics to draw out the complaint 's duration and the case has not been resolved. A staff member at Wells Fargo Bank branch recommended that I reach out to the CEO for assistance after hearing my story of how Wells Fargo Dealer Services is charging insurance for my garaged car which already has insurance and for which I have filed a Certificate of Non-Use. I did so on XX/XX/XXXX and have not received a response. 
In the mean time my credit worthiness is under attack and my FICO score has dipped negatively. 
The incorrect credit report needs to be corrected ; the late fees need to be removed ; and the harassing phone calls need to be stopped- XXXX XXXX continues to call me and that needs to stop! 
I have attached supporting documents that will enlighten you more about this unfortunate situation. 

I look forward to your intervention and a speedy reversal of these actions by WDLS.

Company response to consumer: Closed with monetary relief