Consumer complaint received 2026-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding an automobile loan currently serviced by Wells Fargo Auto and originated through XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, California ). I took delivery of the vehicle on XX/XX/year>. However, I was not provided with a copy of the Retail Installment Sale Contract or any final transaction documents at the time of delivery. Not a single document was provided to me. I was told that the documents would be sent to my email address. Approximately one week later, I discovered that the dealership had entered my email address incorrectly. During XX/XX/year>, I requested copies of my contract on at least five occasions. At one point, I was provided with a XXXX XXXX XXXX that was represented to contain my documents. I later discovered that the XXXX XXXX was empty. At the time of delivery, the vehicle was intended to be used and registered for business and commercial purposes beginning XX/XX/year>. I possess contemporaneous DMV documents executed at the time of delivery, including a Request for Commercial Registration of a Passenger Vehicle, business name, and DBA information, indicating that the vehicle would be used commercially for compensation or profit. These records were completed and signed on XX/XX/year>. However, the Retail Installment Sale Contract appears to characterize the transaction differently. This discrepancy raises additional concerns regarding the accuracy and completeness of the transaction documents and should be investigated as part of the overall review. I have preserved photographs and copies of these contemporaneous records and am prepared to provide them upon request. I did not receive a copy of the Retail Installment Sale Contract until XX/XX/year>, more than one month after taking possession of the vehicle. Because I was not provided with the contract at the time of delivery, I had no meaningful opportunity to review or verify the transaction documents before financing was completed. After reviewing the documents provided on XX/XX/year>, I identified concerns regarding dates, signatures, and contractual terms. The contract indicates that the transaction was completed electronically through XXXX XXXX, and I believe electronic records, audit trails, timestamps, IP logs, and related metadata exist and should be preserved and reviewed. Despite these unresolved issues, Wells Fargo Auto has continued collection activities and has furnished adverse information affecting my credit profile before a reasonable investigation has been completed. In addition, I previously received communications through Wells Fargo 's proprietary messaging system. Certain messages later became inaccessible or appeared to have been withdrawn, preventing me from preserving those communications. I also request preservation and production of all secure messages, internal correspondence, account notes, collection notes, call recordings, communication logs, and any related records, including communications that are no longer accessible through Wells Fargo 's proprietary messaging system. I respectfully request : 1. A complete investigation into this transaction ; 2. Copies of all contracts, funding documents, assignment documents, and XXXX electronic signature records ; 3. Preservation of all communications, internal notes, recordings, audit trails, and electronic records relating to this account ; 4. Proper reporting of this account as disputed with all consumer reporting agencies ; 5. Correction, update, or removal of any adverse credit information if it is determined to be inaccurate, incomplete, or unsupported. I am not refusing to cooperate or avoiding my obligations. I am requesting a fair and complete investigation into the validity and enforceability of this loan before further adverse actions are taken. I reserve all rights and remedies available under federal and state law, including regulatory review, arbitration, and litigation.

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