Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo Admitted to violating my rights under Wisconsin Consumer Act by repossessing my vehicle without providing proper notice of such intent. Wells Fargo violated my rights under Wisconsin Consumer Act when the peace was breached at the time of the repossession. My rights under the Wisconsin Consumer Act was further violated when the company they hired cut of the lock to my gate, entered my dwelling space, and tried to repossess the vehicle with occupants in the vehicle. Wells Fargo continues to address the repossession as if it was deemed valid yet, I have correspondence from Wells Fargo dated XXXX XXXX which states, " The check was also in addition to any amount we previously sent for financial reimbursement for transportation expenses and personal expenses you may have incurred as a result of the repossession of your vehicle. '' If the repossession is deemed valid, why provide a compensation? WELLS FARGO VIOLATED MY RIGHTS, and continues to try and hide behind their multiple errors. 

The XXXX is another fraudulent act committed by Wells Fargo. Correspondence on XX/XX/XXXX states, " Based on the information you provided, we determined you needed the CPI policy ( policies ) during the dates listed below ; therefore, no refund is owed to you. '' Now, you state that was a mistake. How many laws will you violate? 

See complaints : XXXX, XXXX, XXXX XXXX. This complaint remains the same as all the complaint numbers referenced. Wells Fargo continues to stand behind their fraud while continuing to cover up the mistakes they made that caused a calamity in my life from the illegal and unlawful repossession that took place in XXXX. Wells Fargo added unnecessary XXXX insurance on my loan account in XXXX which resulted in the repossession of my vehicle in XXXX. Case # XXXX is the class action lawsuit for the unnecessary CPI insurance forced on class action members loans. The class action lawsuit addresses an additional " Settlement Distribution Plan '' if XXXX charges " remained in effect, without reversal, for at least 120 days after CPI Billing. '' XXXX remained on the account from XXXX and two charges of {$190.00} for XXXX on the same date of XX/XX/XXXX. Wells Fargo initially stated on XX/XX/XXXX that the XXXX  was deemed NECESSARY therefore, no refund due to me. The first correspondence stating that the XXXX insurance issued on my loan was UNNECESSARY, came on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stated that a deletion from my credit report was done with NO ADDITIONAL ADJUSTMENTS. There is another active Class Action Lawsuit for Wells Fargo violating the bankruptcy laws. Wells Fargo took 12 years to correct my credit file that was damaged due to Wells Fargo errors. XXXX XXXX stated in his correspondence on XX/XX/XXXX that the repossession was deemed VALID. I verbally talked with XXXX XXXX XXXX that refused to discuss the case if I recorded the conversation. From the verbal conversation, XXXX XXXX could only offer an apology for what Wells Fargo did. He could not explain why he stated the Repossession was deemed VALID if Wells Fargo is now trying to clean up the fraud they caused. Updating my credit file means removing the repossession. You don't remove what is deemed VALID if it's valid. XXXX XXXX XXXX never mentioned addressed the repossession after the verbal conversation, and correspondence he sent after the verbal correspondence. However, the most recent response provided by XXXX XXXX XXXX, he went back to stating that the repossession was VALID. Case number XXXX AG ( XXXX ) was issued to " XXXX general media outlets across the United States XXXX XXXX online databases and websites, XXXX officials, including the Attorney General of each XXXX states, the District of Columbia and the United States XXXX XXXX as well as the Attorney General of the United States XXXX the Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau XXXX Wells Fargo committed additional fraud by changing the data on the spreadsheets they provided with the history of the loan to which, I have documentation to prove that the data is fraudulent. I refuse to provide all my documents because all Wells Fargo representatives are doing is coming up with more ways to commit additional fraud. Wells Fargo is not trying to make wrongs right. Wells Fargo is trying to sweep my account under the rug. Wells Fargo wants me to sign a document with lies in it in order to receive the additional {$28000.00} which was offered as a result of going through XXXX, to which XXXX was a complete sham. The Mediation offered by Wells Fargo supports Wells Fargo not the consumers trying to fight against illegal and unlawful practices committed by Wells Fargo. From the beginning error up until the present errors only say one of two things. one, Wells Fargo is corrupt and delight in violating consumers rights, or two, Wells Fargo employs individuals not qualified to perform their jobs. The CFPB was created for the consumers. What good is it to forward the complaints to the violators and close out the complaint after the violators respond. I will continue to file complaints! I will petition the courts who hold jurisdiction over case # XXXX. I will not stop until I get the justice I deserve

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