Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have a XXXX XXXX XXXX that was financed through Wells Fargo. In XXXX I filed XXXX XXXX Bankruptcy with my spouse and the XXXX loan was part of the bankruptcy. Payments were made to Wells Fargo from the bankruptcy trustee to Wells Fargo for XXXX years. I had to dismiss the XXXX XXXXXXXX Bankruptcy in XXXX due to filing for divorce. I wanted to reinstate the loan on the XXXX and made multiple attempts to contact Wells Fargo, who would not speak to me because they had not received notice of the bankruptcy dismissal. During the XXXX years the loan was in the bankruptcy Wells Fargo was paid an amount that exceeded what I would have paid by making regular monthly payments. The trustee stopped paying Wells Fargo in XXXX of XXXX but the bankruptcy was not officially dismissed until XX/XX/XXXX. So for XXXX months I was unable to get Wells Fargo to communicate with me or allow me to make any payments. I continued to contact them after XX/XX/XXXX and it took until XX/XX/XXXX for them to process the bankruptcy dismissal and speak to me. At that time I was told by Wells Fargo that my loan had been charged off so reinstatement was not an option, even though I had the ability to resume the regular monthly payments. I was sent XXXX letter that was dated XX/XX/XXXX that offered me an option to pay {$2000.00} to bring my account current. This letter only gave me until XX/XX/XXXX to respond and was sent via regular mail so I did not receive the letter until XX/XX/XXXX. I contacted Wells Fargo immediately and was told that option was no longer available to me because I missed the deadline. They told me via telephone that the only option I had was to pay the full loan balance of {$14000.00} or an order of repossession could be issued. I called them again on XX/XX/XXXX to inquire about voluntarily surrendering the vehicle and was told this time that I could pay {$2100.00} a month for XXXX months. I made the first {$2100.00} payment on XX/XX/XXXX. I then consulted a bankruptcy attorney to see what rights I may have as I felt that Wells Fargo may have violated Indiana law by not giving me proper notice regarding the status of my account. In XXXX of XXXX, I sent Wells Fargo a certified letter asking for them to provide me a complete payment history on my account and proof that they had sent me the proper notification documents required by Indiana law before initiating the repossession process. I was able to obtain a detailed payment history on the account after speaking to them via phone call but they never responded to my letter or provided me any other documents that I requested. Every time I contacted them I made it clear that I was able to resume the loan on its original payment terms and was always told that wasnt an option. After looking at the detailed payment history I discovered that the bankruptcy trustee had paid them approximately {$3000.00} more than they would have received if I had just been making the regular payments for the XXXX years it was in bankruptcy. I brought this to their attention via phone call and was told that had no bearing on the status of my account. I have received no written communication from Wells Fargo other than the one that was sent in XX/XX/XXXX. I have received no phone calls from Wells Fargo regarding the status of my account. I made the XXXX payment of {$2100.00} in XX/XX/XXXX and did not make any further payments because they were unable to provide me specific information on the terms of my loan. Last night they repossessed my vehicle from my driveway at midnight and I have never received a notice of default, right to cure or intent to repossess from them.

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