Consumer complaint received 2016-06-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX, I received an email from my auto insurance company stating that they have received an auto claim. According to the email, this is also what was written : " My name is XXXX XXXX and I will be handling your claim. Your claim file number is : XXXX. Date of loss : XXXX/XXXX/XXXX Below you will find some information to help guide you through the claims process. If you need immediate assistance, please feel free to contact me by phone or email. '' XXXX XXXX | Claims Service Rep. XXXXXXXX XXXX : XXXX ext. XXXX Immediately after seeing this message, I phoned the bank to inquire about this alleged claim. I phoned XXXX XXXX and she was unavailable. I did not leave a message with her. However, I have emailed her since completing this complaint for with my concerns regarding the bank ( Wells Fargo Dealer Services - Auto ) for initiating this complaint. 

On XXXX/XXXX/XXXX, I spoke with XXXX XXXX, a representative who was able to provide me with the alleged damaged to the my vehicle ( that was voluntarily repossessed ) which was financed through Wells Fargo. The damages that Wells Fargo are alleging, according to XXXX XXXX are : " Quarter panel, rear bumper, passenger side fender front, trunk. '' XXXX XXXX advised me that there were no other specific descriptors nor information from Wells Fargo Auto regarding their allegations of damage. Additionally, XXXX XXXX advised me that on XXXX/XXXX/XXXX, was the first information and contact they received from Wells Fargo Dealer Services/Auto. Moreover, XXXX XXXX inquired if I had any recent photos of the vehicle to counter the alleged damage ( by Wells Fargo ). I advised XXXX XXXX that the only damage that I acknowledge was the scrapes to the rear bumper, which was due to a minor accident. I informed XXXX XXXX that the minor accident occurred in XXXX XXXX where I backed out of a driveway and a motorist was speeding down a residential street. Consequently, I backed into the passenger rear door of the motorist, which resulted in a minor dent. The claim was filed through XXXX. The claim costed approximately {$1200.00}. I attested that this was the only damage to the vehicle. My statements were/are true and accurate. 
I further explained to XXXX XXXX that I had not taken out a claim and I no longer had the vehicle through voluntary repossession. I advised XXXX XXXX that Wells Fargo picked up the vehicle from where I reside on XXXX XXXX, XXXX, but the claim ( date of loss ), according to the email from XXXX was XXXX XXXX, XXXX. I continued to explain to XXXX XXXX the condition of the vehicle as the tow man ( sent by the bank or bank representative ) prior to attaching the vehicle to the tow truck. I explained to XXXX XXXX that the tow man treated the vehicle without care. This was evidenced by how I observed the tow man dragging/towing the vehicle from behind. The tow man drove quickly through the apartment complex hitting the speed bumps and the vehicle scraped the ground. The noise from the process was very loud, which alerted me to initially look outdoors and realize that the vehicle was being removed. I exited my residence and advised the tow man that it was my vehicle. He advised that he is taking the vehicle on behalf of " the bank. '' He requested the key. I provided it to him. I requested to remove my possessions. The tow man complied with the request. He lowered the vehicle and backed it into a parking space facing forward. I unloaded the vehicle. Vehicle was reattached from the front. The tow man proceeded to leave and I observed how low the back of the vehicle was low to the ground. He drove swiftly out of the complex, not slowing for speed bumps. On XXXX XXXX, XXXX, other than the scrapes to the rear bumper, the vehicle did not have the damages in which Wells Fargo Dealer Services - Auto is alleging. 
The behavior of Wells Fargo appears to be unscrupulous.

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