Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

Today ( XXXX XXXX, XXXX ) at XXXX, I stopped at the Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. Upon attempting to make a payment for my auto loan, I was informed that the loan had been closed. I then called Wells Fargo Dealer Services at XXXX and I spoke to an agent on the phone at XXXX. The agent informed me that the loan had defaulted due to 120 days past due. I have made XXXX payments in the past 120 days, XXXX in XXXX and XXXX as recent as XXXX XXXX, XXXX. They keep the payment date rolling for as to which month my payment applies to, to tip the scales into their favor in order to seize my car, which is worth approximately twice what I owe ( repo incentive ). I then asked the agent if the car had been put out for repo, to which he initially declined to comment on. I was not contacted by WFDS with any kind of notice or alert to the account, and never once notified to the error of applying payments to the month that WFDS so chooses in their favor. 

The ill-fated relationship with WFDS began in XXXX XXXX when I lost my job. That was the first time since taking on the loan ( XXXX XXXX ) that I had missed a payment. WFDS began to harass me with calls. The specific gentlemen who launched this campaign goes by the name XXXX. By XXXX, I headed to a Wells Fargo branch in XXXX XXXX, NV to open a personal bank account, during which I asked the branch manager to call WFDS on my behalf to get the amounts I need. I explained the phone harassment and my lack of confidence in wanting to call them to settle it myself. I was able to pay the amounts once I knew them, and I also requested a copy of the loan through the branch manager. They were going to fax her XXXX and they never did, despite an additional call from the manager. 

In XXXX XXXX, I began receiving calls again from WFDS, often making my phone ring no less than twice a day- and if I picked up, most of the time they would hang up. I saved the number in my phone since they called so frequently. In fall XXXX, I spoke to the highest person, XXXX. I explained how harassed I felt, but specifically the low-talking gentleman named XXXX. She promised that XXXX would never call me ever again, not even once. It was a promise made on a recorded call that sits somewhere in WFDS data repository. He called many times after. 
On XXXX XXXX, XXXX XXXX, XXXX, I was treated the most disgracefully up to date. I was immediately harassed by, not XXXX, but XXXX separate agents in XXXX separate phone calls. I then explained how XXXX payments had been made and I was told that they could n't find it, it 'had n't shown up in their system. After XXXX minutes of going back and forth they caught the mistake ( and I believe got XXXX involved ) and explained that XXXX of the payments had been applied to the principal, and I had now been hit with a late payment penalty! I 've never gone through such a hard time to prove that I was being truthful, and on XXXX of all days of the year. 

This message has been significantly truncated, but I have more noted instances of harassment and targeting by numerous agents at Wells Fargo Dealer Service ( XXXX/XXXX, XXXX, XXXX, XXXX, and more ). There are many people close to me that are aware of my distraught relationship with Wells Fargo Dealer Services and how much anger and anxiety they cause me, to the point where I am willing to get an attorney involved if it can be done at a reasonable retainer. I am not seeking to win judgment, I just believe that even if I lost, I would be vindicated by deposing all Wells Fargo Dealer Services agents and staff under oath and playing all phone recordings before a judge. There are always biased instances where customers are upset at a company. In my case, I do believe there is evidence beyond a reasonable doubt that proves that I have been unfairly targeted by WFDS