Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Much of the information needed for this complaint, remains in glove compartment in my vehicle. In XXXX, I purchased a new XXXX XXXX from XXXX XXXX in XXXX, Maine. My payments were {$340.00} a month. After a few years, I learned I signed a Lease agreement. I dont know how that happened? I would never Lease a vehicle. My lifestyle and work were not conducive for a Lease. Needless to say, I had to purchase the vehicle all over again. At the time of purchase, XXXX, my credit wasnt as good and needed a co-signer. I went to XXXX XXXX in XXXX, Maine and had a good friend Co-Sign with me. The payments went up {$100.00} a month, to {$450.00} a month. At the time, I was living in XXXX, Maine and working at XXXX as a personal shopper. Starting in XXXX, my XXXX daughter became ill and moved in with me. My daughter was in and out of the hospital, often. In XXXX, the condo I rented along with others in the development, went on the market for sale. I was forced to move. My daughter and I had to reside in a hotel for nearly a year. My daughter became XXXX and I needed to take a leave of absence from work. I was granted an intermediate FMLOA. Returning to work, XXXX XXXX. Half way through my shift, I was called back and Terminated for occurrences. I was devastated and traumatized. My payments were falling behind and unstable living situation. XX/XX/XXXX, I made a payment arrangement with Wells Fargo. There was also an issue with my bank and starting Social Security. I had until XX/XX/XXXX to make a payment. Wells Fargo came for my vehicle XX/XX/XXXX, nearly a week early! That cost close to {$2000.00}. I had to ask my son for help and has now caused friction between us. Most of XXXX was spent finding a place to live. XX/XX/XXXX, I had a XXXX XXXX and spent 5 days in the hospital. I now need XXXX XXXX. My health has been declining and will continue to get worse, if I dont have XXXX. I am limited. I struggle to stay current with payments. I have asked Wells Fargo numerous times to help refinance or work with me on reducing the payment amounts. They dont refinance their own loans. Ive tried other financial lenders as well. Theres not enough left on the loan amount to make it worth it to them. My vehicle is close to being paid off. XX/XX/XXXX, I filed a complaint with the XXXX. There was no response from Wells Fargo. I refiled the complaint, but it was answered with a generic letter, wanting me to contact Wells Fargo, to prove its actually me filing the complaint. I contacted XXXX again. XX/XX/XXXX I called Wells Fargo and finally, they could work with me, especially where the loan is more paid off than not. I told the agent I get {$900.00} a month from SS and XXXX. The payments were half my income. We agreed on {$220.00}. a month, to start between XXXX XXXX, when SS and XXXX get deposited. I had an incident at my bank, due to a scam and had to close my account around the same time. I was trying to sell items on marketplace and fell into a scam. I needed to call SS and XXXX to change deposit information and was worried I wouldnt receive it on time. My deposits were made XXXX XXXX a Monday. I made my payment immediately on XXXX XXXX for {$300.00} on the app. When the app works, I know Im good. When Im late, my login gets locked and forced to call Wells Fargo. Next payment is due XXXX XXXX, which I had planned on making. Today, XXXX XXXX I had just put things in my car to travel to NJ. My sister passed away Sunday night, XXXX XXXX. I was heading down to help with her animals, XXXX dogs, XXXX cats and XXXX chinchillas and arrangements. I came upstairs to get my coffee, when I saw a tow truck taking my vehicle! I hollered out the window, then ran down the stairs as he was dragging the trailer bed and racing out of here. I ran behind him for awhile, until I couldnt. Never have I experienced something so low and fear there may be damage to my vehicle. I called the executive office and filed a complaint, but will take 10 days. I was then sent to the Reinstatement department. I was told by this agent, my new arrangement was between XXXX XXXX and was now in arrears over {$2000.00}. There was no cut off date as long as first payment was made before XXXX XXXX, then I would be behind. XXXX XXXX actions and commitment 's are deceitful, harassing, harmful and traumatizing. The agent was aware of all the proceeding events and seemed to empathize and very willing to work with me. Any other time, wells XXXX agents can be very nasty and couldnt care less. I never imagined my payment, one day late ( allegedly ), in their eyes would trigger a repossession!!! XX/XX/XXXX and XXXX were weekends, causing my SS and XXXX deposit to arrive XXXX XXXX. I needed to change bank information on app and wait 2-3 days before verifying two small deposits from Wells Fargo , before my payment would be accepted. This is the second time my vehicle has been repossessed by Wells Fargo, early. Wells Fargo has caused extreme hardship on me. I had recently started a personal shopper job and making a little headway. I had enough money to drive to NJ. All my medications are in my vehicle. There could be personal injury here too.

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