Consumer complaint received 2022-12-05
Company: WELLS FARGO & COMPANY
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started a loan with Wells Fargo after purchasing XXXX  XXXX XXXX  from XXXX XXXX XXXX XXXX in XXXX XXXX, Wyoming XXXX. The first few payments I made I didnt have a problem however after the first half a dozen payments or so thats when the nightmare with Wells Fargo began! All of the sudden after going in and making my payments on time every time I noticed a problem, Wells Fargo was stealing money from me! All of the sudden one of the loan payments I had already made had magically disappearing and Wells Fargo was using the current months payment to pay for the previous month payments and this was going on for months before I was made aware of it, instead of notifying me that there was a missing payment they just kept applying the new months payment to pay for the previous month and so on such forth. This happened more than once so much so that the president of Wells Fargo got involved and had re-issued the entire loan because we were constantly under threat of repossession. so we were forced to start the loan over and start from the beginning if you will, but things didnt stop there because then more payments magically disappeared so naturally I reached out the the office of the president and notified them of the problem, they told me they could refund the missing payments all I had to do was prove I made the payments by sending them my original receipts ( my only proof mind you and these were the receipts I received after making the payment ) me being stupid enough to trust them I stupidly sent them the originals like they had demanded and then all of the sudden they didnt know what I was talking about and I had to deal with another person and another until again they asked for the original receipts which I told them I had already sent in to them so naturally without proof I was screwed out of thousands of dollars, After yet another payment came up missing this time I had the receipt and refused to send the original in but sent a copy in then all of the sudden they decided to refund that missing payment as according to them a one time courtesy payment and that it wouldnt happen again! I am a XXXX  XXXX. in XXXX XXXX XXXX XXXXXXXX XXXX so I fell back on what I had been trained to do in the military, cover my own XXXX! So I typed up a CONFIRMATION OF RECEIVING PAYMENT letter which I insisted that the teller taking my payment had to sign and have notarized right then and there or they would give me back my payment and sign another paper stating that because I requested proof it was paid they were denying my payment and were now responsible for that payment, needless to say when they realized they would have to sign it to receive my payment otherwise they would be liable for my payment they decided to just sign my letter and have it notarized, this worked for a while suddenly when they had to sign proof they received the payment then there was no issues with it disappearing however the nightmare didnt end there as soon as I started coving my XXXX by having them prove they received the payment I started having all sorts of other problems with Wells Fargo XXXX I decided to start using the drive through and at one point they lost my payment in the machine and then just wanted me to leave, I got out of my car to see if it had fallen on the ground where one of their employees decided to call the police because I was XXXX  as it is legal for me to do so but still it wasnt until the police arrived that they suddenly found my payment and gave me my receipt and my confirmation letter, the problems continued until one day when I was suddenly trespassed from Wells Fargo by the police for honking my horn after waiting in the drive through for over an hour and a half for my letter to be notarized! After I honked to find out what was taking so long the police arrived where once again Wells Fargo attempted to steal my payment however this time they decided to trespass me and make it impossible for me to make my payment, I am the only one on the loan and the vehicle was only in my name but they refused to allow me to make a payment and they kept trying to get me to make a payment in anyway that they didnt have to sign my confirmation of receiving payment, it became such a hassle for my wife to go in and make the payment because of the way they started treating her that I finally decided to pay the loan off at great expense to my family and I in order to prevent more theft from Wells Fargo! 


I have plenty of proof, receipts, signed confirmation of receiving payment letters, dash am videos as well as XXXX XXXX XXXX XXXX footage. Will supply any proof needed to get a resolution! 

If I am unable to get my resolution here, I will be filing a lawsuit and requesting damages.

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