Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
am submitting this complaint to report continued misconduct by Wells Fargo Bank, XXXX, specifically involving their handling of a negotiable instrument I lawfully tendered, and their retaliatory, misleading, and evasive actions in response to my original CFPB complaint. New evidence and behavior demonstrate intentional efforts to obstruct accountability, not mere administrative error. 
Facts and Timeline : In XX/XX/year>, I submitted a negotiable instrument to Wells Fargo Bank for payment related to a Consumer Portfolio Services ( XXXX ) account. Wells Fargo acknowledged receipt but did not process, forward, or return the instrument in compliance with XXXX XXXX and XXXX. 
In a CFPB response dated [ Insert Date ], Wells Fargo claimed : That the instrument could not be accepted or processed, That it was returned on XX/XX/year>, And that I was engaging in sovereign citizen tactics. 
However, Wells Fargo has never provided any proof of delivery or tracking confirmation for the alleged return of the instrument. The envelope was never returned, and their own letter admits that only part of the mailing was sent back. 
I dispute their claim that this is a misunderstanding or clerical mishap. Wells Fargo has issued contradictory statements, including : A letter advising me to go into a bank branch to process the instrument ( implying the instrument was valid ), Then claiming that no processing could occur under any circumstance, And simultaneously stating the instrument had been returned without proof or substantiation. 
These contradictions are not accidental they reflect intentional efforts to delay, deflect, and confuse the legal process. 
After i stated the hat I would formally file a Complaint for XXXX XXXX and XXXX XXXX Delaware XXXX XXXX XXXX, Wells Fargo contacted me again by phone, despite previously claiming my concerns were " baseless. '' This action strongly suggests that they recognize the validity of my claims and that their earlier statements were meant to suppress my legal pursuit not resolve the dispute in good faith. 
XXXX XXXX internal classification of my complaint as sovereign citizen tactics is false, retaliatory, and intended to prejudice CFPB review. My actions are grounded in commercial law, XXXX tender procedures, and truth-in-lending statutes. I am not affiliated with any fringe ideology I am a consumer lawfully exercising my rights. 
Legal and Regulatory Violations : XXXX XXXX actions violate multiple provisions, including : XXXX XXXX Notice of dishonor must be timely and specific ; UCC XXXX XXXX by tender requires actual return or refusal with proof ; TILA and Regulation Z Failure to provide individualized account disclosures ; FCRA 15 U.S.C. 1681s-2 Reporting disputed accounts while ignoring tender ; CFPB standards Retaliatory language and bad faith handling of consumer complaints.

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