Consumer complaint received 2020-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (AZ)

I purchased a Pre-Owned Certified XXXX XXXX XXXX XX/XX/19 and financed with a dealer recommended loan from Wells Fargo Auto loan. In XX/XX/2019 I went on-line to Well Fargo Auto and STARTED an application to refinance the loan. I didn't have time to complete the application and logged out of the site believing that an incomplete application would not be processed. Later that month I decided to start another application for re-fi with Wells Fargo Loan and was told by the representative that my re-fi loan had been refused. 
I asked why and she said it was due to a negative credit report from XXXX. I went on-line to XXXX  and found my credit history was spotless and should not have been the reason for being denied. I explained I never completed the loan application and DID NOT AUTHORIZE my credit history be accessed and regardless, there was insufficient information for the re-f to be underwritten. After several conversations with higher up representatives, I was forwarded to The Office of the President.  Around late XX/XX/2019 I received a letter stating the re-fi was denied due to " 1 ) Age of Past or Present Credit Experience 2 )  Excessive Number of Trades Recently Opened. ". Also, " Decision Was Based in Whole or in Part on Credit Score ''. My credit score around this time was in the low 800 's at this time. Later in XX/XX/2019, I received another letter from Wells Fargo Auto telling me the reason for denial was, " Unable to Verify Applicant 's Identity ''. 
Speaking with a rep in Office of the President I was told the reason for denial was no Income Information wa included in my application. What application said I, I never completed an application in the first placed WFA had no authorization to access my credit history in any of the credit reporting companies. The representative said further review would be done and I would hear back. 
I received a letter XX/XX/2019 saying " Our research found you submitted an on-line re-fi application XX/XX/2019 for a XXXX XXXX Vehicle. We found this to be a valid application and inquiry into your credit ''. 
Hello??, I never owned a XXXX XXXX and WFA auto should know or have known because they were financing a XXXX XXXX purchased XX/XX/19 and FINANCED BY WFA as of that date. During the XX/XX/19 - XX/XX/19 all payments by me for the XXXX were on or before the required first of each month due date. In addition, I had made pre-payments paying down the principal XX/XX/XXXX - {$1500.00}, XX/XX/XXXX - {$1500.00} and XX/XX/XXXX - {$4000.00}. 
In XX/XX/2019 I received a letter from Office of the President thanking me for my correspondence regarding " an inquiry made XX/XX/2019 '' requesting XXXX  delete to delete the inquiry WFA made from my credit file. 
1 ) Unauthorized request from credit reporting agencies 2 ) Multiple letters stating denial of a re-fi application that was never completed therefore unauthorized 3 ) Underwriting an incomplete application for re-fi of a vehicle they already were fin- ancing 4 ) Reporting denial of a vehicle that I never owned I am requested by CFPB to include a loan number for reference. I will include this number in order to complete my complaint only. I never applied for a refinance auto loan due to the fact I never completed a loan application.