Consumer complaint received 2024-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My car was illegally repossessed ( on video ) from a locked gated garage using a burglary tool. When calling about the car there was conflicting information on the repo and I still have not 18-days later been provided a complete running tally on all payments made over the life of the loan because I am disputing the amount owed. When calling about the repossession I was falsely told that I requested not to be contacted anymore citing that this took place on two phone calls MADE TO ME on XX/XX/XXXX, this is false. Wells Fargo put a Cease and Desist on my account. This was not warranted because I did not make the request. After twice making the request that they pull the calls to confirm that there was no request made to Cease from making contact the phone calls are now missing and now Wells Fargo is falsely stating that the only call in the system for XX/XX/XXXX was an inbound call. 
Wells Fargo falsely stated that they sent me 9 letters prior to XXXX, then when I challenged the accuracy of this they falsely stated that the letters were returned to sender. Unbeknownst to me my account was Charged Off the day before a payment was due and being very calculating the car was picked up on the 60th day after the charge off intentionally making it where I would not be eligible for reinstatement. 
When asking about the required letter that is to be sent after the repo it was at first falsely stated that it had been mailed out in XXXX XXXX Mail. When I challenged that they were supposed to have mailed the letter by Registered or Certified Mail, they falsely stated that the letter was sent out Certified Mail but yet could not provide the tracking information or the date the letter went out. The letters ( 2 ) arrived in my mailbox the next day after speaking about the letter but I am still not aware of who signed for the letter and with no tracking card I inputted the number under the bar code on the letter itself and this resulted in an error message stating that the number inputted was not a tracking number. The postman at the post office also stated that the numbers on the letters were not coming up in the system as tracking numbers. Suspecting mail tampering I put in a complaint with the US Postal Service. Then in a 3rd conversation about the letters Wells Fargo representative instructed me to track the letters again and oddly now they are in the system BUT they are not showing in the mail stream out of XXXX XXXX and XXXX, and the envelope has a printed green banner with the words Certified Mail VS USPS Certified Mail resulting in me being alarmed that there appears to be mail tampering out of the Georgia Mail Distribution Center. The envelopes are not one produced by or for the United States XXXX XXXX. There appears to be a concerted effort with an unknown party. I do not believe Wells Fargo had any intentions of mailing me the letter with a goal for me to miss the sale date for the car. Although I had until XXXX to pay a certain amount to reclaim the car, before the end of the business day on the XXXX the car was removed without my knowledge from the Repossession lot and was sent to the auction lot for an auction sale. There has been quite a bit of illegal actions taken and it appears that Wells Fargo was aided when the car was removed from my residence. I am alarmed because it appears that Wells Fargo has conspired with someone at the Georgia XXXX XXXX. 
I have also taken this opportunity with my case filed with the Office of the President to again ask why I was denied a hardship twice, once in XX/XX/XXXX and then in XX/XX/XXXX citing not being eligible and with the criteria changing each time I inquired. 
Because of all of the missteps, the illegal repossession and premature Charge Off I have asked that I be allowed to make 2 payments and the car be released to me so I can use it as planned for a small business that I will be starting because of the loss of my job on XX/XX/XXXX ( they were informed ). I proposed that the car be released and I stated that I would Iike to then have a discussion about lowering the monthly amount and if not I would start back to making my scheduled payments. Despite the illegal acts my more than reasonable request was denied. 
Unfortunately, I believe that the altered payment records and questionable balance, the false information about a Cease and Desist, the Charge Off and the mail tampering ( mail fraud ) are all indications that there is a concerted effort for me to lose my automobile. I believe that the repossession may be part of concerted efforts of a former XXXX ( in Georgia ) ongoing harassment.

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