Consumer complaint received 2021-07-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
RE : XXXX ; XXXX Mr. XXXX XXXX, Executive Resolution Specialist has oversaw every complaint filed from XXXX except for 1 or 2. He has used the add on services and products to misdirect focus to my complaint of Wells Fargo Auto. From XXXX to XX/XX/XXXX I have been told the account is 120 days, made payments, and waited for Mr. E H to validate amount to bring account current. He waited until XXXX to respond, saying the account is 120 days late. 

I have consistently followed up. Mr. XXXX XXXX has utilized deceptive practices to cause extreme financial burden. I have spent over $ XXXX renting a car and now have to buy one, when I would have gladly been put on a payment arrangement and had EXACT amount to bring account current. Instead, I was deceived and harassed. 


15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 


15 U.S. Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 1692k - Civil liability 15 U.S. Code 1692f.Unfair practices 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; 5 U.S. Code 1691 - Scope of prohibition U.S. Code Notes prev | next ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 






A. I have no online access to my account to pay until XXXX. 
B. I have no online access to my account for tax purposes until XXXX. 

C. I have received 17 abusive calls, during hours of work and on a business line. 

D. I was informed on XXXX, that my car was going to be repossessed for being on Pandemic Unemployment. 

E. I received 3-4 different Monthly Billing Statement XXXX XX/XX/XXXX F. XXXX Excerpt of my original XX/XX/XXXX " I have received calls every day almost since then with misinformation about my account. I have had no access to my any important documents like my tax records- this is an suv cross that I use for landscaping business as well. I was told that my car can be repossessed at anytime due to my unemployment status, even if it's under a 120 days and that my account is restricted so therefore I can't look online and see what my balance is. I was informed signed up for online access- this was without my knowledge as I couldn't access my account '' G. I will be submitting proof of the calls, please refer to my other complaints.

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