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Have you called Wells Fargo Auto Finance about it? If you sent it to their address, they should have the best idea who opens and processes the mail and how it got put into the wrong place. They should be helping you with this.
And when you say it was deposited into "Wells Fargo account" - do you just mean some random persons account at Wells Fargo? Is there any semblance of an account number on the back of check copies? If it's a random personal account, I used to work as a teller and it really shouldn't be too hard to pull work from the day of the deposit and see what happened.
Who have you spoken to at Wells Fargo? Have you gone to their fraud dept? A lawsuit doesn't seem necessary to me at this point. It just sounds like you have not connected with the right people/dept. yet (not your fault, just a point).
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