Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo and company is willfully unable to acknowledge its own negligence. Despite the most recent response in a correspondence dated XX/XX/XXXX. Indicating 'self-inflicted ' negligence that occurred during the redeem period of my vehicle, XXXXXXXX XXXX XXXX XXXX XXXX They also denied me on and after XXXX to redeem the vehicle because i did not have enough funds in my account ; even though I explained the set-off that occured. In the contract, Section 3 paragraph e. 'How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back ( redeem ). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. ' According to my records, the vehicle was repossessed on XX/XX/XXXX @ XXXX XXXX  and was not sold until XX/XX/XXXX. 
-So, why was I prevented from 'redeeming ' the vehicle in the month of XXXX prior to the sale of the vehicle? I also received a letter with a XXXX  on XX/XX/XXXX for {$400.00} stating 'a set-off was performed in error on my account ending in XXXX. ' I was then sent another letter with a XXXX  dated XX/XX/XXXX for {$5500.00} stating again that 'a set-off was performed in error on my account ending in XXXX. ' Did this set-off not occur during my redeem period? 
-Can wells fargo and company show proof that I did not transfer funds, {$2200.00}, into my savings in time to redeem the vehicle? 
+ It is also important to note that I did contact the bank in relation to the overdraft on my checking account. I was instructed by Wells Fargo personnel to 'log into to the online banking portal and turnoff the overdraft feature. This will prevent any funds from being transferred from savings to checking. ' I did exactly that 6 business days prior to transferring the funds to my savings. 
I was not instructed that a set-off was imminent after removing the overdraft feature or I'd have looked into alternative methods to allocate the necessary funds to redeem the vehicle. 
The reason Wells Fargo is in debt to the cfpb is due to gross negligence. This incidence is no exception! Wells Fargo impeded it's own contract by removing funds from my account, a self inflicted wound. It is imperative because these actions while legal, hindered the automobile contract redeem standards. Despite Wells Fargo claim that I did not contact the bank, I did, how else can it be explained why I removed the overdraft feature on XX/XX/XXXX? 
-Can wells fargo indicate that, during this time period, there were not accounts with significant monetary deficits in comparison to mine ( ie. more than {$370.00} )? 
-Can wells fargo and company provide proof, since they are claiming my account was charged off XXXX, XXXX XXXX of why I received cheques XX/XX/XXXX {$400.00} and XX/XX/XXXX {$5500.00} other than due to a negligent set-off occurring on my account? 
- can wells fargo prove that it's actions on XXXX did not prevent me from redeeming my vehicle? 
- After a conversation, post the set-off, via telephone, on XXXX and on XXXX I had a conversation in person at a branch prior to withdrawal of the funds in my savings in order to protect my money. 
-I deposited {$300.00} into the checking account on XXXX in an effort to combine it with the funds, {$1800.00}, I withdrew from my savings. On separate phone calls, XXXX, XXXX XXXX, XXXX I attempted again to pay the redeem cost and was told, it is to late, this is the only reason I did not allocate the {$1800.00} back into my checking account. Even though the redeem period lasted until XX/XX/XXXX when the vehicle was sold. Can wells fargo prove that I was not denied the opportunity to redeem because of a fixed date of XXXX. At which point they claim I was no longer eligible to recover the vehicle? 
+Important things to note : wells fargo performed a set-off on my account on XXXX. I removed my funds XXXX in order to protect it. Wells Fargo denied me multiple times via phone to redeem the vehicle. Even though I made a {$300.00} deposit to my checking account to indicate my intent of combining this with {$1800.00} bringing the auto loan out of default.

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