Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I am a Veteran in need of helpWells Fargo lied to me and they are making me pay for their lieQuick Fact sheet1. On XXXX XXXX XXXX, a XXXX XXXX XXXX was purchased with a loan from Wells Fargo and insurance from XXXX. 

2. Each month, I would physically walk to the Wells Fargo branch at XXXX XXXX XXXX, XXXX TX XXXX to make my monthly payment. I would ask a question along the lines of " what is the amount I must pay to Wells Fargo this month '', I paid the amount I was told by a Wells Fargo representative to pay. 

3. I had every reason to assume my file was good to go with both Wells Fargo and XXXX. I was making all my car payments and insurance payments. ( I have all the paperwork to prove every payment was made ) 4. On or around XXXX XXXX, XXXX I noticed my vehicle missing5. On XXXX XXXX, XXXX I went to the Wells Fargo branch on XXXX and XXXX and spoke to a XXXX XXXX ( Wells Fargo employee ). I wanted to find out why the payments I had been making at the bank were not being reflected in my Wells Fargo file. 

6. After quite a bit of research, XXXX discovered that with-in the Wells Fargo system, Wells Fargo had been charging me for insurance since the purchase of my vehicle. Never once, during my XXXX plus in person visits to Wells Fargo was I ever made aware of this additional charge for insurance. 

When I made my monthly visits into Wells Fargo to make my car payment, I assumed in good faith that the amount I was told by the bank was the correct amount to pay. It turns out, Wells Fargo lied to my face and I was told an incorrect amount each time. 

7. ( XXXX XXXX ) I contacted XXXX immediately. XXXX sent my insurance information to Wells Fargo. XXXX confirmed with Wells Fargo that I indeed have had insurance on the vehicle since the time of purchase ( XXXX XXXX ) 8. I returned to Wells Fargo on XXXX XXXX to confirm that Wells Fargo has received my insurance confirmation from XXXX. Wells Fargo confirmed they received my XXXX insurance but Wells Fargo refused to retro-correct my account, Wells Fargo stole {$1800.00} from me, plus {$370.00} in repo fees to have my vehicle returned9. Wells Fargo refuses to recognize my insurance with XXXX for the past year and retro correct their internal files. Wells Fargo forced me to pay ( {$1800.00} ) for in house Wells Fargo insurance when there is clear evidence the vehicle was insured the entire time with XXXX. 
Do to the poor behavior of Wells Fargo I have been forced to pay {$2100.00}. to have my vehicle returned10. Additionally, my credit score is being destroyed by this event, Wells Fargo is now reflecting a vehicle repo on my credit score, this is a horrible injustice. 

11. All I want at this point is for Wells Fargo to do the right thing and acknowledge my insurance with XXXX and correct my account with Wells Fargo. I will accept the {$1800.00} as a credit back onto my account towards my vehicle loan and consider the matter closed. I am well aware that getting refunded from Wells Fargo the {$370.00} I paid to the repo will be an exercise in futility. 

Thank you very much for taking the time to review my file, I can not thank you enough for any help or advise you can provide. 
All the bestXXXX XXXX