Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (GA)

Reference : Auto Loan Repossession on XX/XX/year> Previous Case/Complaint Numbers : Previous CFPB Complaint Number : Wells Fargo XXXX Department XXXX XXXX # XXXX XXXX. Overview of Claim This complaint is in relation to XXXX XXXX illegal and unethical repossession of my vehicle on XX/XX/year>. Wells Fargo, through their vendor XXXX XXXX XXXX, engaged in a breach of peace by forcibly entering my locked garage to take possession of the vehicle. Additionally, Wells Fargo has acted in bad faith throughout their correspondence, with my previous CFPB complaint and handling of this matter in whole, as evident in the letter I received on XX/XX/year>, dated XX/XX/year>, which contains materially false statements. 

XXXX. Breach of Peace in Repossession Illegal Entry into Locked Garage : The repossession vendor used a burglary tool to open my locked garage and remove my vehicle, which constitutes an illegal breach of peace under Georgia law. 
Supporting Evidence : Photos ( attached with this complaint ) and video footage showing the unlawful entry and repossession were shared with Wells Fargo, XXXX XXXX XXXX, and XXXX XXXX legal departments on multiple occasions. 
Legal Violation : This act of forceful entry into private property without my consent and without following proper legal repossession protocol is a violation of Georgia law, potentially constituting theft and burglary. 
XXXX. Misleading and False Statements by Wells Fargo In the letter dated XX/XX/year>, Wells Fargo falsely claims that there was no evidence of illegal conduct or breach of peace in the repossession. However, they were fully aware of the evidence provided to them and their vendors, which directly contradicts these assertions. 

XXXX. Manipulation of Reinstatement Options and Communication Delays Blocked Account Reinstatement : I was denied the opportunity to reinstate my account due to manipulation of the timing of charge-off calculations ( see attached photo from XXXX XXXX XXXX XXXX repossession, and a faux Cease and Desist request, a request that they later admitted that I did not make. 
Failure to Provide XXXX XXXX XXXX : Wells Fargo falsely claims that proper certified mail was used to notify me of the sale of my vehicle. However, their letter had no appropriate tracking information and was delivered only after I initiated follow-up inquiries. 
Violation of XXXX Rights : Georgia law entitles me to proper notification and an opportunity to reclaim my vehicle or attend the auction. XXXX XXXX actions right now as I file this is deliberately depriving me of this right. 
XXXX. Questionable Sale of the Vehicle Ignored Public Auction Preference : Despite expressing a preference for a public auction of the vehicle, Wells Fargo has moved forward or is attempting to move forward with a private sale, disregarding my expressed wishes during the CFPB complaint process and through conversations held since XXXX XXXX. 
XXXX Mail XXXX : The lack of timely certified notification and tracking further indicates bad faith by Wells Fargo, intentionally making it impossible for me to participate in the sale process. 
XXXX. False Claims About Personal Property and Vehicle Damage False Allegations : XXXX XXXX XXXX misleadingly suggests that I raised claims about personal property and unsubstantiated vehicle damage, which I did not. In fact, I specifically acknowledged prior scrapes on the vehicles front bumper. 
XXXX and XXXX Request : During the repossession, my vehicle was improperly towed, risking potential mechanical and body damage. I requested the vehicle be inspected by a mechanic of my choosing, and this request was initially agreed upon but later ignored. I was even asked for and provided the name and location of my preferred mechanic. 
XXXX. Summary of Damages and XXXX Wells Fargo, in coordination with XXXX XXXX XXXX and XXXX XXXX, has : Engaged in illegal and unethical practices, including the breach of peace and manipulation of legal repossession processes. 
Acted in bad faith by obstructing my rights to reinstate the account, participate in the sale, and receive proper notification. 
Exposed me to financial, emotional, and reputational harm through their deliberate circumvention of legal and ethical responsibilities. 
XXXX. Legal and Ethical Accountability I assert that Wells Fargo has violated consumer protection laws, specifically XXXX repossession laws, and engaged in fraudulent and misleading practices that have caused me harm. I am also alleging that this repossession and the surrounding events are part of a broader scheme of harassment and targeting, orchestrated to cause me undue harm beyond simple debt collection. 

Conclusion and Requested Remedies XXXX request a review of the investigation for what I allege is an improper investigation and XXXX XXXX illegal repossession practices in general, including the bad faith conduct in communications, and the manipulation of my legal rights. I will include below what I am seeking as a resolution.