Consumer complaint received 2015-04-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

Two weeks ago I contacted Wells Fargo because I am late on my car payment. At that time the car payment was approximately 45 or so days late ( actually I do n't know the exact # because Wells Fargo would n't tell me ) but as of today I was notified of a 60 day late on my credit report. I tried to make a payment with Wells Fargo but they would not take it. I believe they wanted XXXX payments which at that time I was unable to do that but I was willing to set up a payment XXXX for the XXXX and XXXX for the XXXX which is coming up. They refused. I hung up and called back thinking I might get someone willing to work with me. They transferred me to a Manager and he said he was the only person I could talk to and he was not working with me. ( not in those exact words ) but he showed no interest in working with me or taking my payment. ( Fast forward ). I have a XXXX car garage ( tandem ; XXXX car in front XXXX in back ) but I ca n't close the garage because I have items in the front spot so XXXX car sticks out. The Manager never mentioned anything about repo and my intention was to pay the back payments this Thursday the XXXX so my intent was not to hide the car because if it were I would have parked my other car on the street and closed the garage. I park this way all the time because XXXX cars can not go all the way into the garage. Well Friday XXXX at XXXX someone came banging on my door yelling for me to give him the car. I was at home alone therefor I did not open the door. My Jetta was blocking the Toyota so the only way for him to have seen the car was to enter the garage. He continued to bang on the door making loud noises and when I finally opened the back door he was sitting in his truck blocking my garage and blocking my other car. I asked him to leave and he refused stating " he will sit there all night '' he was disturbing the neighbors with the yelling and the loud noise from his truck. I eventually had to call the Sheriff 's to get him to leave. I am not sure but I could swear that the voice was the same voice of the manager I spoke with on the phone a couple of weeks ago. In my opinion it seems as though Wells Fargo employees are getting kick backs for repossessing customers cars because the voice sounded the same as the manager that would not work with me. Please investigate this because if that is what they are doing Wells Fargo needs to be aware of this practice. Also, I am not sure if a repo man can come bang on your door at XXXX and demand that you give him the car. I do n't know the rules .I want to call Wells Fargo to try and work something out but I am afraid that that same person will answer the phone. I simply want to know my options so I can decide if I want to keep the car or turn it in. In addition Wells Fargo put insurance on the loan for a month but have spread the payments over the deration of the loan ; meaning I am paying 13 % interest on the insurance because I am paying 13 % interest on the loan. It 's bad enough that the car only cost XXXX and I have been paying it since 2011 and I still owe XXXX. And they would not work with me to rewrite the loan when I asked, when it was current.