Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On   XXXX  , I went to   XXXX   XXXX   to purchase a   XXXX    XXXX   XXXX . Taxes included the car cost was approximately {$26000.00}. I paid approximately {$12000.00} down via chec k 2 checks. The correct amount to be financed ( although I had no reason to finance I only did so to make my credit better ) was to be at the time, {$14000.00}. Instead the dealership, or WFDS submitted {$18000.00}. I never recieved the loan agreement by the dealer as I was relocating from another state and he stated he would take care of the tags and more, even swindled me out of {$5000.00} for himself stating he needed a new loan for an inspiriational speaking job. I recieved my first bill payment of {$310.00}. I started to pay it straight away assuming it   was on the up & up. By   XXXX   I noticed that the debt was not being lowered, checked my credit report and disputed the amount, assuming that it was being reported wrong. I continued to pay. T hen Wells Fargo whom held my checkings, savings & WFDS DBA Wells Fargo  was breached. All of my accounts were compromised, money continued to be stolen via wiretransfers and every account I owned due to their lack of security was tampered with. The dealer stated the price was too high, he also owed me {$5000.00} of what I lent him seperate from the loan. Each time I r equested my money, he came up with another story & my accounts were accessed again. I had to relocate for my saftey. Wells Fargo  themselves could not stop the cyber theft & I was told multiple lies.   XXXX   XXXX   I had to make a n in branch payment, as by that point my passport was stolen, which is what the dealer stated ... I reported it, and Well Fargo could not purge my records to review the unauthorized purchases. I was told  to keep the checking account open for reinbursement, I was on their do not email list, yet I continued to get emails from them. I could no longer make payments online due to their lack of security, so I contacted WFDS Whom was aware of the problem, I always made an effort to pay. From   XXXX   on there were more intense cyber breaches on there part & I was being threatened forced to go to the dealership and caused harm. They could not find the records. I called  WFDS fo r the correct mailing address to make a payment. Since  XXXX , their phone numbers, and PO boxes changed so much so I did n't know if it was a fraudster. I contacted the bank directly & was told that all I was already told was wrong & to get a third party involved. I was getting ready to move back to  XXXX  when, I contacted them. A day later the car was gone from my residence. I never gave them my physical address for security reasons, yet they were able to find me & the car. I did not know if it had been stolen. They did not give me any legal written notice I was late, on my own ethical accord I contacted them trying to make a payment. They never told me how they found my address. I spoke with the Office of the President, and the  Regional Office & was told to wire transfer close to {$1300.00}, then I asked them how they fo  und my residence & they lied and said I gave it to them. I gave it to them after I contacted the police to only then find out they took the car. I was forced to rent a car, and go to   XXXX   XXXX  , I ma de my payment via  XXXX   XXXX  as they stated to do, they stated it would be ready within  XXXX  hours, when I contacted them to confirm payment, they had no option on their IVR. I was stuck on the phone for hours that day & had to rent a car, trying to figure out what was going on. Then I found out that my car was ready to be sent for disposition ( private sale  ) h ad I not physically gone to the location, despite only having around {$2000.00} left on the finance if what they did was n't illegal, they sent a letter on   XXXX   XXXX   XXXX   stating the reason being I broke promises in our agreement. An agreement I ne ver had and have yet to see. To date even after speaking with The Office of the President,  they first lied and said they 'd mail a copy, then did not. On   XXXX   I went to a branch and they faxed me an illegible copy. They copied and pasted my electronic signature. I went ahead and paid a minimum amount, I then recieved a notice of default and requirment of strict compliance, stating they "  may '' have allowed late payments in the past. Not only did the y allow late payments, but th ey changed their terms as soon as apologized for sounding condesending and placing the blame on the dealer. When you contact them on the phone number they provide it states that this is an attempt to collect a debt, as if the company itself is just a debt collector doing business as Wells Fargo. I  never gave them m y email address, but they 've emailed me demanding payment. I asked for the terms of agreement so that I could review them and correct the problem, which was agreed verbaly & recorded with All Clear ID Investigators, they failed to provide it, and said to check with the dealer. The loan was submitted by the dealer, I have never seen the terms and conditions  for WFDS. They have electronically manipulated data in the past, had my car ready for disposition without ever speaking with me first. Then they added double the fee 's. Once out of redemption which cost me more money, they started debt collection practices all over again & sold my information when I specifically stated not to. While trying to get the car back, it was on a Friday, they are closed for the weekend, forcing me to wait to pay for it. They state to contact a number & select the option to confirm payment, that option does not exist, it is only set up for bankruptcy. They hired an unknown outside vendor to track my location, and harass me illegally. They have yet to tell me whom that was. On Elite Managements ( towing company ) they have the address from the dealership. The dealer stated he was being harassed by another man but the man offered him money to do as he said, causing me more harm. After making payment they upd the amount of the loan increased  more fee 's, having never seen the original contract, how could I break a promise, while they continue to break the law. They are now using cyber technology to go into the Wells Fargo banking system to see how much money is in my account. I even recieved an email with a do not email request on my " hi gh value client '' portfolio, stating I asked to new changes in terms of agreement. I have exhausted all options, I 've tried very hard to get to the bottom of this honestly but they deny liability, delete cyber information & forged my signature by copy & pasting it online. The Dealership is part of a clear  fraud scheme defrauding its customers in alliance with WFDS , the dealer   XXXX   XXXX   stated he had worked for  XXXX   XXXX  criminals in the past but left that life behind. Unfortunatly those tactics did not stop. It tanks my credit to  XXXX , as all of my accounts were compromised by them both allowing the cyber intrustions and manual cash advances.  WFDS DBA Wells Fargo is doing this to customers in the state of Florida. If they were not criminal, a simple letter stating I was behind, would have prevented all of this, and with the correct address I could have sent payment, avoiding the repossesion process. If I pay it in full now, I will get another letter as I did with my collateral credit which stated the " because you paid your bill, it confirms the charges are yours '', they go back & change terms without me ever seeing them in the first place.

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 non-monetary relief