Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
* * NUCLEAR COMPLAINT WILLFUL BAD FAITH Case # XXXX XXXX XXXX, ext XXXX ASSIGNED MULTIPLE PERIODS OF RADIO SILENCE NO RESOLUTION * * Company : Wells Fargo & Company Product : Vehicle loan Issue : Problem with repossession I am XXXX XXXX, the Main borrower, XXXX XXXX. 
This is a * * joint complaint * * with my Son, XXXX XXXX a Florida Resident XXXX XXXXOMPLAINT ID # XXXX Case # XXXX Account # XXXX XXXX XXXX XXXX VIN XXXX Repossession : * * XX/XX/XXXX * * * * EXTENSION FILED : XX/XX/XXXX * * Reinstatement : * * XX/XX/XXXX * * * * VEHICLE RETURNED : XX/XX/XXXX 23 DAYS AFTER EXTENSION WAS FILED, XXXX  DAYS AFTER REINSTATEMENT * * * * SUMMARY OF ALL VIOLATIONS ( CHRONOLOGICAL ) : * * XXXX. * * XX/XX/XXXX REPO WITHOUT NOTICE * * - Tow driver arrived * * unannounced * *. 
- * * XXXX eyewitnesses * * ( borrower + fiance ) * * watched live * * : car forceably dragged XXXX of off driveway by hook, wheels locked, AWD system against owners manual. 
- * * Damage * * : {$34000.00} ( XXXX estimates attached ). 

XXXX. * * XX/XX/XXXX RADIO SILENCE # XXXX * * - * * No contact * *. Daily calls by me with * * no callbacks * * on multiple occasions. 

XXXX. * * XX/XX/XXXX FAKE KEY MADE WITHOUT PERMISSION * * - Wells ordered * * fake/aftermarket key * * ( not XXXX ) * * no consent * *. 
- * * Security risk + devaluation * * UCC 679.609 ( b ) ( 2 ) violation. 

XXXX. * * XX/XX/XXXX 300-MILE TRANSFER TO STORAGE ( ACTUALLY AUCTION PREP ) * * - Moved XXXX miles * * labeled storage * *, * * was auction lot * *. 
- * * Deceptive * * FDUTPA 501.201. 

XXXX. * * XX/XX/XXXX RADIO SILENCE # XXXX + XXXX ILLEGAL HOLD * * - * * No redemption notice * *. 
- * * Waited XXXX weeks * * just to * * see * * the truck. 
- * * Storage fees charged * * despite auction intent UCC 679.620. 

XXXX. * * XX/XX/XXXX PICKUP * * -Refused to sign phony release paperwork waiving rights * * * * no receipt issued * *. 
-Proof of possession * * : estimate from FP XXXX. * * XX/XX/XXXX XX/XX/XXXX RADIO SILENCE # XXXX * * - * * 96 days lost use * * ( XXXX XXXX XXXX ) = * * {$14000.00} * * ( $ XXXX XXXX ). 
- * * {$50000.00} lost work * * ( paystubs + log attached ). 
- * * False XXXX repo date * * on reports FCRA XXXX ( b ). 

XXXX. * * XX/XX/XXXX - FORCED PAYMENT DEFERMENTS * * - Forced Deferements WITHOUT CAR XXXX. * * XX/XX/XXXX, XXXX AM PAYMENT WITHOUT CAR * * - Full payment accepted * * bad faith * *. 

XXXX. * * XXXX XXXX FINAL ESCALATIONS * * - * * New Estimate with storage charges due to no action * * Sent to wells XX/XX/XXXX - * * XXXX XXXX assigned NO RESPONSE * *. 

* * XXXX  % EVIDENCE WITHHELD for FEDERAL DISCOVERY : * * * * Internal recorded communications * * * * Security camera footage * * ( repo damage ) * * Post-repo appraisal * * ( $ XXXX $ XXXX ) * * Expert reports * * ( fake key devaluation ) + Official Post Repo Appraisal / Devaluation * * Witness statements * * * * DMV/insurance records * * * * XXXX eyewitnesses saw repo damage live * * * * affidavits withheld for federal discovery * *. 

* * EVIDENCE ATTACHED : * * XX/XX/XXXX, XXXX XXXX emails, XX/XX/XXXX emails with damage photos, estimates, radio silence, no resolution

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