Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Summary of XXXX XXXX XXXX and XXXX XXXX for XXXX Assistance Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX in XXXX I paid a {$10000.00} down payment and the advertised price of the vehicle on XXXX was {$44000.00}. I was not provided with any physical paperworkonly a XXXX XXXX that turned out to be blank. Unbeknownst to me, the dealership added {$18000.00} in unauthorized charges, including {$13000.00} in warranties and theft protection system ( which was never installed ) and {$4500.00} added to the base price ( of which {$1500.00} was a hidden charge for XXXX theft protection system which was never installed ), without my knowledge or consent. My wife was with me on the date of purchase XX/XX/XXXX. 

XXXX days later, on XX/XX/XXXX, the dealership created a new sales agreement, sales documents, Power of Attorney, and Odometer disclosure, forged my signature ( misspelled as XXXX XXXX ), and electronically signed my name with XXXX factor authentication credentials traced back to the dealerships own IP and emailconfirmed by a XXXX Police detective, XXXX XXXX. The dealership falsely claimed a XXXX XXXX XXXX of Attorney to do title work only gave them authority to do this, which it did not. 

Wells Fargo accepted these forged documents, some with missing or conflicting dates, some duplicate copies with different signatures- actual and forged- and different dates and allowed the loan to be funded despite : * An invalid and defective title transfer ( A XX/XX/XXXX Odometer Disclosure with the forged signature and no notarization and no vehicle title transfer date- date is blank on the title making the title transfer invalid ), * Evidence that the dealership ignored Wells Fargos own XXXX XXXX to remove a hidden {$1500.00} XXXX charge and redo the contract, and * Wells Fargo never XXXX XXXX on their XX/XX/XXXX request for the dealership to correct the contract and remove the hidden and inflated charge for XXXX theft protection system, allowing the loan to go through at triple the cost that Wells Fargo will XXXX for XXXX which is {$500.00} according to the messaging thread. In addition, this product, XXXX theft protection system is not even on the truck. This shows that Wells Fargo had actual knowledge of fraud at the time of the origination of the loan. 
* No dates on the Truth in Lending Act XXXX on form XXXXXXXX XXXX XXXX XXXXXXXX and forged signatures. I was never given the Truth in Lending Act XXXX on my date of purchase XX/XX/XXXX which violates XXXX XXXX. In addition, there are no dates on the document which are normally found next to the buyers signature means there is no known date that the contract started. 
* XXXX different Dealer Assignment Documents on file with Wells Fargo, XXXX with actual signature and actual date of purchase XX/XX/XXXX and XXXX with forged signature and forged date of purchase XX/XX/XXXX. 
* There exists XXXX different Power of XXXX ( POAs ) with XXXX different dates and signatures- Wells Fargo has the forged copy with forged signature and date of XX/XX/XXXX in their possession ; I have actual copy with actual signature dated XX/XX/XXXX. 
* XXXX different dates on warranty contracts- Wells Fargo XXXX warranty contracts with both of these dates of XX/XX/XXXX and XX/XX/XXXX ; Warranty contracts with scratched out date of XX/XX/XXXX, change is initialed XXXX, by XXXX XXXX XXXX their finance XXXX which is unilaterally altering a contract and fraud. There are also copied and pasted signatures on the warranty contracts as the font is pixelated and lighter where the pasted signature overlaps document text. 
* A Non-Resident Title Letter on Wells Fargo XXXX with a false date of XX/XX/XXXX, nearly XXXX  years ago, in my title paperwork filed with the Clerk of Courts with my vehicle information on it which is misrepresentation and fraud. 
* On XX/XX/XXXX, a Wells Fargo employee form the XXXX XXXX, XXXX, called my wife and I on a recorded line and : * Admitted knowing about the dealership 's buyback offer, suggesting she was coordinating with the dealership, * Became verbally abusive toward my wife when we declined the offer, * Falsely claimed a lender can not cancel a loan/unwind a loan, only a dealership can unwind a loan ( which is untrue ), and * Promised we would receive Wells Fargos XXXX XXXX XX/XX/XXXX. As of XX/XX/XXXX, we have received nothingnot even a request for more time. 

I first notified Wells Fargo of the fraud on XX/XX/XXXX, after receiving a loan summary from Wells Fargo showing a significantly inflated loan amount. I submitted all available evidence as I received it from investigators to Wells Fargo, since the dealership never provided my paperwork despite repeated requests. Despite clear documentation of fraud, forgery, and misrepresentation, Wells Fargo has failed to resolve the issue for over XXXX months. I am stuck paying for a vehicle that I legally do not own due to the fraud and defective title transfer, as well as am paying for car insurance for it, and I can not register XXXX XXXX the vehicle. I had to buy another vehicle XXXX XXXX due to the current situation. Therefore, I am requesting the CFPBs assistance to ensure this fraudulent transaction is addressed promptly and resolved fairly, in accordance with consumer protection laws. 

Thank you, XXXX 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 non-monetary relief