Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
In early XXXX of this year XXXX, I received a check from Wells Fargo for {$16.00}. I cashed the check thinking it was for something else? I decided to give them a call, and they told me this was for my auto loan from XXXX. I purchased a XXXX XXXX XXXX. They said that throughout my loan, this was for the reimbursement for all of the wrongly charged fees on my account? I requested a payment history from them, as well as a call from someone, because I felt that may be incorrect? A gentlemen named XXXX called me a few days later, saying he was from the executive office, and he was very rude. He said really much of nothing. I told him that my car was reposed right after my bankruptcy was discharged, which I checked was on XX/XX/XXXX. I received no notice or anything, and my car was reposed on XX/XX/XXXX? He said they sent me a letter on XXXX XXXX, and I said there was no way you could have sent me anything during my bankruptcy, which wasn't discharged until XX/XX/XXXX? I requested him to send me a mediation packet, and he said he doesn't do that, and that I would have to call settlement mediation and request for one to be sent to you? I called that department, and spoke with XXXX, and he said I was not eligible for that, and I would need to speak to the executive office again? I called them back, and asked to speak to XXXX 's superior. A man named XXXX said he was XXXX 's superior was very rude to me, in fact he told me that we own this vehicle, and can take it from you at anytime that we feel that the vehicle is in jeopardy? he said I signed a paper when I first started my loan, that is on page @ that says that? I asked to be sent a copy of which I signed this, to my email, but have not yet received this? He told me to call another numeri, to ask for a mediation packet. I called that number, which was on the letter I received from the check for {$16.00}, and they said it looks like you have already talked to someone, and they told you that you are not eligible for a mediation packet? Here 's my problem. my car was reposed on XXXX XXXX, a day after XXXX? i never received any paper or notice prior to the reposing? XXXX from the executive office said it was on XX/XX/XXXX, but I specifically remember the day it happened, because the tow guy showed up really late at night, and it was devastating! My lawyer called the next day to resolve this, but got nowhere, so I went without a vehicle until XXXX XXXX, without a vehicle struggling to get to and from work, and take a young daughter to school, and daycare. Upon looking over my payment history that they sent me, I noticed a XXXX  premium increase, that I had no knowledge of, nor do I know if that was taken off? Also on XX/XX/XXXX, and XXXX I do not understand what these charges are? they seem fishy? On XX/XX/XXXX i don't understand this certified funds payment I made for {$470.00}? Also, it looks like I was making double payments in several months on XX/XX/XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? I also made a payment on XX/XX/XXXX, and XX/XX/XXXX before my bankruptcy was discharged, and still my vehicle was reposed, even through I was making extra payments during my loan when I could, and while i was in bankruptcy?

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