Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/25 COMPLAINT FOR VIOLATION OF CONSUMER RIGHTS XXXX XXXX, Plaintiff, vs.

Wells Fargo Bank, Defendant.

INTRODUCTION 1. This is a civil action for violations of federal and state consumer protection laws, specifically citing the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692 and related statutes.

PARTIES 2. Plaintiff XXXX XXXX is an individual residing in Florida 3. Defendant Wells Fargo Bank is a financial institution with its principal place of business located at [ Wells Fargo Address ].

JURISDICTION AND VENUE 4. Jurisdiction is proper in this court pursuant to [ specify jurisdiction laws ] as the events giving rise to this complaint occurred in this jurisdiction.

5. Venue is also proper in this court because the Defendant conducts business in this jurisdiction and the events in question occurred here. 

FACTUAL ALLEGATIONS 6. On XX/XX/25, Defendant engaged in actions to repossess Plaintiffs vehicle without proper notice.

7. Plaintiff did not receive any written notification, email, or communication regarding the repossession, violating the requirements set forth in the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

8. On said date, representatives of the Defendant unlawfully entered Plaintiff 's property to repossess the vehicle, which contained Plaintiffs personal property including a wallet, identification, and all available funds.

9. Plaintiff has video evidence documenting the repossession, showing two individuals taking the vehicle from Plaintiff 's residence without consent.

10. Defendant shared Plaintiff 's personal information with the repo agents without obtaining written consent, violating the consumers rights as mandated by consumer protection laws.

CLAIMS FOR RELIEF First Claim for Relief : Violation of 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act ) 11. Plaintiff realleges and incorporates by reference all preceding paragraphs.

12. Defendant 's failure to provide notice for repossession constitutes a violation of the Fair Debt Collection Practices Act.

Second Claim for Relief : Violation of Privacy Rights 13. Plaintiff realleges and incorporates by reference all preceding paragraphs.

14. Defendants unauthorized sharing of personal information with repo agents constitutes a violation of Plaintiff 's privacy rights and applicable state and federal laws.

PRAYER FOR RELIEF WHEREFORE, Plaintiff prays for judgment against the Defendant as follows : 1. Compensatory damages for emotional distress, financial loss, and other damages suffered as a result of the Defendants unlawful actions.

2. Punitive damages for the willful and malicious conduct of the Defendant.

3. Attorneys fees and costs incurred in this action.

4. Any other relief the Court deems just and proper. 

DATED : XX/XX/25 Respectfully submitted, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation