Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo stated that they sent me letters indicating the placement of Collateral Insurance on the vehicle for failure to provide proof of insurance. I never receive one of those letters, again Wells Fargo Dealer Service sent the letters to the WRONG address the WRONG ADDRESS, I had insurance coverage. If it were not because of this complaint to the XXXX and the CFPB I would have known that they sent me letters. Wells Fargo Dealer Service has been sending the letters to the wrong address the whole time, ( Please see the letters attached from Wells Fargo showing the incorrect address ). OK, I thought this must be a mistake and someone 's in WFDS Customer Service Department caught the error and would attempt to correct the mistake. No one in the customer service correct the address after telling them my correct address, I finally go frustrated and call them and waited well over 50 minutes just to speak with someone who would give me a strong confirmation that my address was updated and they physical received the faxed documents showing I have full coverage insurance. Upon viewing my payments online, I noticed the Collateral Protection charge is still factored in to the amount and now saying I owe ( {$1100.00} ). This is absurd, I am a single parent with XXXX kids and I work XXXX jobs just to make ends meet. For Wells Fargo to take advantage of me and misleading me by adding on collateral protection insurance of their own, when I have sent valid proof that I had valid coverage insurance, it shows the length a big company like Wells Fargo would go through to deceive good paying consumers. 
Wells Fargo Dealer Services then reported to the Credit Bureaus that I was 30-days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Which is inaccurate, you can see that I have mad all my payments on time even with in WFDS grace periods. 
The response from Wells Fargo has no merit and the documents that the sent the Consumer Financial Protection Bureau provides the proof in Wells Fargo own words. Wells Fargo stated that they sent me letters informing me about the XXXX Coverage which they sent to the wrong address and it shows on their letterhead. I have had insurance the whole time and then when I call them to clarify they had some unprofessional, disgracefully rude customer service representative who did not update my file, in which I called back and demanded to speak with a supervisor so they would correct my address information and update the insurance information. I have written countless letters to the XXXX and the CFPB and even Wells Fargo themselves and still the have not corrected the negative and inaccurate reporting to the credit bureaus and as I write this letter, Wells Fargo is still reporting me as late to the all three credit bureaus which again is incorrect. I have sent my bank statements from my XXXX showing every single payment to Wells Fargo and showing every payment on time, I have even taken the effort to have my bank XXXX fax over the all of the transactions from my XXXX XXXX showing every payment made to Wells Fargo, which proves no miss payment on time. The response from Wells Fargo has no merit and the documents that the sent the Consumer Financial Protection Bureau provides the proof in Wells Fargo own words. Wells Fargo stated that they sent me letters informing me about the XXXX XXXX which they sent to the wrong address and it shows on their letterhead. I did have insurance the whole time and then when I call them to clarify they had some unprofessional, disgracefully rude customer service representative who did not update my file, in which I called back and demanded to speak with a supervisor so they would correct my address information and update the insurance information. I have written countless letters to the XXXX and the CFPB and even Wells Fargo themselves and still they have not corrected the negative and inaccurate