Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Auto XXXX - XXXX XXXX XXXX Loan # XXXX - Loan Payments : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX - Wells Fargo Auto payment due XX/XX/XXXX XXXX - Paid 1 month payment ( XX/XX/XXXX Payment ) {$810.00} XXXX @ XXXX - I contacted Wels Fargo Auto to request a deferment or an extension on payments and explained it was due to job loss and I was applying for Unemployment and seeking employment.

Wells Fargo Auto representative stated I qualified for a 2 month deferment but she insisted on only giving me a 1 month deferment and then for me to change the due date on the website and essentially it was a 2 month deferment. I very reluctantly agreed as I needed the 2 months ( my employment search was very uncertain ). 

XXXX - Deferment for only 1 month was emailed XXXX - XXXX reluctantly agreed and signed the 1 month deferment and tried to change the due date. I was unable to many times. 
XXXX - 1 month deferment ( XX/XX/XXXX payment ) processed XXXX XX/XX/XXXX - XX/XX/XXXX I called many times stating I needed to change the due date and was unable to and was told to keep trying that they could not help me. Several different representatives would answer. 
**Due to job loss and only receiving less than XXXX of salary from Unemployment ; next payments were made as follows : ** XXXX - Paid 1 month plus all the late fees ( Covered XXXX Payment XXXX ) {$900.00} **I withdraw money from XXXX and pay 20 % tax fees and penalties** Job search and my job is dependent on good credit I am a forensic accountant** XXXX - Use my money from XXXX and pay 2 months ( XXXX and XX/XX/XXXX payments plus all late fees ) {$1700.00} **Completely up-to-date** XXXX - Use my money from XXXX and pay XX/XX/XXXX payment I check my credit bureaus - XXXX  and XXXX and Wells Fargo Auto has not updated my payment status XXXX of XX/XX/XXXX - XXXX XXXX XXXX disputes with both credit bureau agencies as I desperately need these updated to reflect my account XXXX XXXX standing and only XX/XX/XXXX as 30 days past due ( as most recent payments ). 

XX/XX/XXXX - I receive the results from XXXX regarding the dispute from Wells Fargo and Wells Fargo reflected that account is up-to-date however, reflected XX/XX/XXXX payment as 30 days past due and would not change it. 
XXXX/XXXX/XXXX - I contacted Wells Fargo Auto and talked to XXXX XXXX Escalations XXXX and explained the situation and she stated that they report to the credit bureau from due to due date and because I made a double payment on XX/XX/XXXX that is how the payments are going to show and there is nothing I can do. 
I explained that it's incorrect information and I was extremely frustrated as the bad reporting will affect my contingent job offer and I repeatedly requested to speak to a XXXX. XXXX declined and said the supervisors and managers are not available that they are in meetings and are not in the office. 
I explained that I was going to report Wells Fargo to the Attorney General and this was false reporting. After almost an hour XXXX refused to transfer me to a XXXX and said I would be assigned a case representative. I also explained how unfair it was for Wells Fargo to not give me the 2 month deferment I qualified for and no one helping me in changing the due date being I was in despair and needed assistance. XXXX said she would submit the date change.

This is very concerning that a Wells Fargo Associate could have helped me this whole time and everyone refused to help me. 
The whole conversation consisted of her berating me for making late payments and I was being penalized for making XXXX payments on XX/XX/XXXX. I kept explaining that I needed my credit bureau to reflect correctly that XX/XX/XXXX was not 30 days past due. XXXX said no, that it how it is and there is nothing that can be done.

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