Consumer complaint received 2017-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a vehicle loan with Well Fargo Dealer Services. Two months after I made the purchase I had a XXXX which led to financial hardship. Over the course of the past for years Wells Fargo has worked with me to offer grace while securing payments as I was out of work. I appreciate their willingness to support me through recovery and I am still recovering. I have paid the notes as I have received. Once the vehicle was returned to Wells Fargo but we arranged for it to be returned to me mainly because of the age, and resale value. After that I had some work but was not fully XXXX recovered and needed XXXX attention that I could not afford at the time. I kept the payments up as best I could making multiple payments at once when I could, whatever I got paid, I sent to Wells Fargo. I was averaging payments about every three months, sometimes four months and sometimes they would add payments to the end of the loan to help me out. I noticed in XX/XX/XXXX that a Charge Off was placed on my credit regarding the loan. It appears to have happened in XX/XX/XXXX. I was unaware. Late XX/XX/XXXX, early XX/XX/XXXX I was made aware that my XXXX year old daughter was receiving calls from Wells Fargo representatives regarding the vehicle. She was told " that she was driving her mothers truck and it was illegal '', of course she was confused and terrified as she has never been under the wheel of any vehicle of mine nor any vehicle financed to me. She has had XXXX vehicles of her own since she was XXXX and they were all purchased by her father. Since then the calls have continued to her phone, her fathers phone and my sons phone. All of whom have no contact with any vehicle of mine. Ex-husbands with power do n't need fuel like this. My children do not have a loan with Wells Fargo and the humiliation from the XXXX and loosing everything but my life has been enough for them to hear about. My phone number has remained the same. The vehicle is in the same place where it was picked up before. I am grateful for all that Wells Fargo has done for me. I am writing to inquire as to who is contacting my ex-husband, my daughter and my son. Who ever it is, has never once reached out to me. As stated, my number is the same. I am in XXXX three times a week till XX/XX/XXXX or XX/XX/XXXX for a few hours however I am reachable. Making false accusations to a minor is all I 'm asking who ever is calling to refrain from. My ex-husband and my son work for XXXX. I 'm writing for a peaceful resolution. The vehicle has not been driven, I have been advise that perhaps the person contacting them is not Wells Fargo. I 'm here for clarity. Again, I would never be able to go out on any company review site and say anything bad about Wells Fargo, the company was gracious during a very terrible time in my life. My only regret is that when I went to buy the vehicle I was going to pay cash, I was told a loan would be a better credit building option. I should have paid cash, we would n't be having this issue to resolve. On the other hand, if I had, I would not have been able to live at all. Life is unpredictable, even when we do all that we can to prepare.

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