Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Consumer : XXXX XXXX XXXX Account : Auto loan ending in XXXX Vehicle : XXXX XXXX XXXX XXXX Servicer : Wells Fargo Auto XXXX Wells Fargo Bank , N.A . ) Summary of Complaint Wells Fargo unlawfully repossessed and sold my vehicle without providing actual notice, failed to provide required pre-sale and post-sale disclosures, sold the vehicle for a grossly unreasonable price, failed to protect and return my personal property ( including professional tools ), misrepresented mailing of legally required notices, refused to provide documentation supporting their claims, and caused significant financial and personal hardship. I only learned of the repossession and sale through a GPS tracking device placed in the vehiclenot through Wells Fargo.

Chronological Description of Events 1. Loan History & Hardship I financed a XXXX XXXX XXXX through Wells Fargo in XXXX. 
I made substantial payments over several years, totaling tens of thousands of dollars. 
During a period of financial hardship, I contacted Wells Fargo attempting to resolve the account, including exploring voluntary return or sale options. 
At no point was I informed that failing to take certain actions would immediately result in repossession and sale without further notice. 
2. No Actual Notice of Repossession Wells Fargo claims it mailed a Right to Cure notice ( XX/XX/XXXX ) and a Notice of Intent to Sell ( XX/XX/XXXX ). 
I never received any of these notices. 
Wells Fargo had my correct mailing address and phone number on file at all times.

There were no returned mail notices, tracking numbers, or proof of USPS acceptance provided to me.

I did not receive any phone call, email, or confirmed contact prior to repossession.

3. Repossession Discovered by GPS, Not Wells Fargo My wife was left stranded when the vehicle was repossessed without warning.

I only discovered the vehicle had been repossessed because I had a GPS tracking device ( AirTag ) inside the truck.

Without that GPS device, I would not have known the vehicle had been taken, where it went, or that it was later sold.

4. Personal Property and Tools Taken At the time of repossession, the truck contained approximately {$3500.00} worth of professional mechanical tools, groceries, and personal items.

These tools were required for my livelihood.

The repossession company initially denied that any tools were in the vehicle.

Wells Fargo later produced an inventory list that omitted the majority of my tools, despite witnesses confirming the tools were present immediately before repossession.

Wells Fargo claims I failed to retrieve my property, yet I was repeatedly told the tools were not there.

The tools were allegedly disposed of after 60 days without proper notice or meaningful opportunity for recovery.

5. Vehicle Sale Without Meaningful Opportunity to Redeem Wells Fargo claims the vehicle was sold at auction on XX/XX/XXXX, for {$4000.00}. 
I was never notified of the sale date, location, or terms. 
I was never provided a post-sale notice when the sale allegedly occurred. 
I would have immediately redeemed or purchased the vehicle had I known it was available for {$4000.00}. 
Comparable vehicles sell for significantly more, making the sale commercially unreasonable. 
6. Refusal to Provide Documentation I repeatedly requested : Proof of mailing ( logs, USPS confirmation ) Repossession order and agent reports Sale records, auction results, and condition reports Buyer information Complete accounting of payments made Wells Fargo refused, claiming the documents were proprietary and would only be released with a subpoena or court order.

Wells Fargo can not provide a simple total dollar amount of payments I made, instead telling me to add them up myself.

7. Inconsistent and Misleading Statements Multiple Wells Fargo representatives provided conflicting explanations.

One representative previously admitted on a recorded line that notices were not properly sent, later denied by Wells Fargo.

Wells Fargo now claims compliance but refuses to provide documentary proof.

8. Credit Reporting Harm Wells Fargo reported the account as a repossession while waiving the remaining balance.

This reporting occurred despite : Lack of actual notice Disputed sale Missing personal property Failure to provide documentation Regulatory Concerns Wells Fargos actions appear to violate, at minimum : UCC Article 9 ( commercially reasonable sale, notice requirements ) Truth in Lending Act / Regulation Z CFPB servicing standards Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Failure to safeguard consumer personal property Failure to provide accurate and verifiable disclosures Harm Suffered Loss of vehicle equity Loss of professional tools essential to income Financial hardship Emotional distress Damage to credit Time and cost pursuing records Wells Fargo refuses to provide Requested Resolution 1. Written proof of mailing for all alleged notices 2. Full repossession and sale documentation 3. Compensation for lost personal property 4. Correction or removal of adverse credit reporting 5. Regulatory review of Wells Fargos repossession and notice practices Closing I am requesting CFPB intervention because Wells Fargo has refused transparency, denied accountability, and relied on unsupported assertions rather than documentary proof. Without my GPS tracker, I would never have known my vehicle was repossessed or sold. This conduct undermines consumer protections and warrants regulatory action.

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