Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I purchased a vehicle after being without a drive-able vehicle since XX/XX/XXXX XXXX I was going to represent myself in court the following month and I prepared a graph on what happened during the accident at a country intersection in XXXX, Virginia. On the day I was to appear in court, I had a friend to drive me to the XXXX Airport to pick up a rental car so that I could be in XXXX in time for my court appearance. I reserved the rental car ( Budget Rental ) in advance only to be told that I could not rent the car because I needed a credit card to rent the car ( if my recollection serves me right ) ; and which - the credit card- I did not have because I had closed all credit card accounts due to years of ID Theft, Credit Report Frauds and inaccuracies, etc., that I 'm still dealing with as of today ( XX/XX/XXXX XXXX. I did, however, have a debit card to offer the rental car place at the airport which would have taken money directly from my bank account. Due to being unable to secure a rental car to meet my court day, I phoned the court in an attempt to contact the judge to relay to him my situation and the Clerk of the Court told me that there was a possibility that I would not be able to contact the judge before the trial of the day I was to appear in Court to present my side of the accident case. I faxed the judge a letter before a certain time of the day I was to appear in Court, as the Clerk recommended, but I was found " at fault '' in the aforementioned accident nevertheless. Not sure if the Judge ever saw my letter. Fast-forwarding since the accident, I 've been using the transit to get to work, and I finally was able to purchase another car on XX/XX/XXXX. My car is being financed through Wells Fargo Dealer Services ( of which I am very grateful ) ; especially due to ID Theft and Fraud Issues I have been confronted with in the past. With this Complaint, I am concerned about my payments being accepted on time by Wells Fargo Dealer Services by XXXX of the local banks, Wells Fargo, here in XXXX, Virginia XXXX where I bank ) located at XXXX XXXX XXXX, XXXX, Virginia, XXXX. I am concerned about being charged late fees as well as inaccuracies being reported to the credit bureaus ; despite the fact that I have enrolled in Wells Fargo Dealer Services XXXX Automatic Loan Payment Program and have received a Letter of Confirmation of my enrollment in this Program. My payments SHOULD be deducted on the XXXX of each month. Today XXXX XX/XX/XXXX XXXX as of XXXX a.m., my XXXX payt. HAS NOT been deducted although it is scheduled to be deducted on this date AND NOT TOMORROW ( XX/XX/XXXX XXXX. If my payt. is deducted on any date OTHER THAN the XXXX, it makes it appear as if my payment is late ( when the payment should not have been late ). On this morning, XX/XX/XXXX I phoned Wells Fargo Bank XXXX after speaking with XXXX XXXX XXXX a banker as well as a Brokerage Associate ) on yesterday ( XX/XX/XXXX ) concerning the Wells Fargo ATM Machine ( which is located at the Drive-Thru and which " ate up '' my debit card BEFORE I started keying in my PIN and beginning my transaction. I received a temporary debit card before receipt of a permanent debit card. I also spoke to XXXX XXXX about my desire to have my car payts. to come out of my account on time each month. On today when I discovered that my car payt. HAD NOT been drafted from my bank acct ( as XXXX had reassured me on yesterday ), I became concerned. I phoned Wells Fargo on this morning ( XXXX XX/XX/XXXX ) at XXXX when I reached an Associate whose name is XXXX XXXX of the XXXX XXXX, Texas Banking Center and XXXX XXXX Employer ID XXXX of XXXX XXXX at XXXX of XXXX, XXXX. Please investigate.