Wachovia Dealer Services

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Predatory Lending?
Posted by on
MOUNT PLEASANT, SOUTH CAROLINA -- We bought a truck through a local dealership and were financed through Wachovia Dealership services. We made our payments faithfully until I was injured at work and had to go out on disability. We then got behind. After 2 months behind we worried about losing the vehicle and decided to look at buying a much cheaper car and trading the truck in. We were very honest with the dealer and he said he would work with us. He asked that we call Wachovia and get the payoff. When I called, the person with the payoff information became belligerent demanding to know why I needed the information. I told her the situation and she finally gave me the payoff number (which I realized later was inflated) When I tried to end the call the woman asked to speak to the dealer. When she got on the phone with him the first thing she said was that the truck was only worth half of what I owed and told him that it was about to be repo'd and unless he could wire them money by tomorrow it would be. The dealer stated that their money was good and that if a deal was struck that they would receive their money. When he got off of the phone with her he looked at us and said that she was ridiculous and very rude. He then told us he would be back with us in a couple of hours (never to be heard from again).

The calls from Wachovia started again the following day. I told the woman that we were trying to make good on our loan and that she had given false information to the dealer concerning the value of the truck. I told her that the truck was 8 months old with 5000 miles on it. I asked how it could have possibly lost 16000 in value(it was a Toyota Tundra) She said that it was actually worth about 23000. I asked to speak to her supervisor and told him what she had done. I also asked him how they financed the truck for 32,000 if it was never worth that. He said that your application stated that you made 100.000 a year. I about fell through the floor. I told him that I made under 50,000 and that my boyfriend who had financed the car only made 10,000 last year because we were building our own house. I also asked him why we would finance a loan with a finance charge of 19% if we made that kind of money. He said that they had called the next day to verify the income.

He said that my boyfriend had answered and verified 100,000 a year and said that I wasn't available because I was sleeping. I told him that this wasn't true and asked him what phone number he called. He read off my number. I told him that everyone is on their own cell phone in this house and that we only answer our own phones so he couldn't have verified income or talked to my boyfriend on my phone. I asked for a tape of the conversation and no, he couldn't produce one. I told him that this lending process was truly predatory as the truck price was inflated and our income of 100,000 wasn't verified with any documentation. He stated that they went by a previous car loan that had perfect credit. This wasn't true either as we had gotten behind on that one several times too. I finally had enough and asked him where I could turn the truck over. He dodged this and asked when we could make a payment. I said that it wouldn't be until the next month.

He said that they'd work with us because they didn't want the truck. I told him that we didn't want the truck if we were paying 10,000 more than it was worth. He said he would see what he could do. 2 days later they came and took the truck and charged us to transport it. I now have received a notice that it was sold and we owe 16,000!!! When will all of us that have been abused by this institution be heard? Who will advocate for us?
After posting this I received the comment that the bank did nothing wrong by financing a truck for 32,000 that was only worth 23,000. Let me clarify that Wachovia Dealership Services will only work directly with dealerships so...if the bank doesn't check the value before financing a vehicle there is a problem and one might think that there is some sort of relationship between the dealership and the bank where they both win.i.e... The bank finances a grandiose amount of money which with the interest rate serves to make them an obscene amount of money and the dealership also makes an obscene amount of money. In all of the transactions I have made in my life...almost a half of century...a bank won't finance above what they can get back...that is why the loan is secured. This is why mortgages are in default...inflated home values that can't be sold for the price financed, sky high interest rates and risky loans without the money to back them up. When a bank agrees to finance, the consumer(us) feels as though the price is fair. The other part of the comment states that my "bf" must have lied on the application about his income...first of all an unverified income of 100,000 just doesn't sit right...can anyone go to a dealership, lie on an application and be funded? I think not...unless there is a master plan to dupe the consumer so that both the dealership and the bank stand to make an "obscene" amount of money. I also brought tax records to substantiate the 10,000 a year my "bf" made. The assumption that we lied is the "ass"umption that lying is OK...nope! we both sleep very well at night!
     
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bill on 12/19/2008:
I don't see that Wahcovia has done anything wrong here. You overpaid for the truck. You bought a $23K truck for $32K. That's not the banks fault. Also I believe your bf lied on the application and income verification call because you had been late several times on your previous auto loan.
NancyNC on 01/09/2009:
Yes ... very deceptive lending-- I feel we should file a class action suit against them- They seized my car after a 450 payment... all smiles and they are SNAKES! I called them and they would not even admit they did this, so I filed a police report! I have never been so deceived in my life---- And yes I had paid 3,000 down on the car and the car was worth 12,000- they sold it for 6900- Said I owed 1900----I DON't THINK SO!
jktshff1 on 01/09/2009:
and how many notes did you miss Nancy?
T and T on 01/28/2009:
When I posted my review concerning wachovia dealership services 2 out of 3 of the responses I received commented that they did not see fault with wachovia dealership services... that in itself is quite appropriate as there would not be a forum without opinion...however,the same 2 out of 3 justified their opinion based the assumption that I was not truthful ... this nullifies the opinion as it is not a summation based on the facts I presented (logic 101) Remember a forum cannot be effective if there is not assumed integrity. I welcome feedback based on what I have written ...I welcome criticism or advice to gain perspective...I welcome feedback from those with similar experiences to see if there is a trend.. to possibly warrant further action from a united front. Bottom line.. it does me no good to hear from those who ASSume that there is no merit to the experiences I have chosen to relate
Stay-C on 02/25/2009:
"Yes ... very deceptive lending-- I feel we should file a class action suit against them- " I agree totally!!!!!!!!!!!!!!!!!!!!!!!! My car was repoed when I was only 4 days past the grace period.. I was harassed and verbally abused by the so called help and when I tried to get this rectified I lost my car two days later even though I come to an agreement of what I needed to pay... I hate wachovia and as a result will be filing bankruptcy soon so they cannot come back when this was totally in their hands and easily could have been avoided!!!!!!!!!!!!!!
madconsumer on 02/25/2009:
"My car was repoed when I was only 4 days past the grace period.. "

so what you are saying, is you were 14 days past due date? 4 days past grace period is misleading .......
Anonymous on 02/25/2009:
I'm sorry but I have to call BS on your comment, Stay-C. I had an auto loan through Wachovia myself and in the process of moving last year, my auto payment didn't go through due to the timing of the payment due date and me changing banks. This was my fault and I didn't even notice that I'd missed a payment entirely until I was well past the grace period. Not once did Wachovia even call me, let alone repo my car.
latebutnotaliar on 05/07/2009:
I don't blame them for protecting their assets I blame them for not being truthful, polite, and for not using some common sense when making these decisions. Some people purchase beyond their ability to pay, some had a life changing event that they could not personally help. Why can this company (and others) be fair enough to evaluate the big picture and make the call on common sense. It's good for THEM too! They rarely ever collect the money when the car is sold at auction. I'm not asking for a Bailout (unlike them!) I'm just asking for common sense approach to setteling this matter in a way that makes it work for everyone!
Jason Bend on 06/06/2011:
Why do you listen to these unqualified and spiteful idiots. If they get a judgment just go bankrupt. Sell the truck for parts if they keep it up. You will not get a bailout like these crooked banks and their politcally connected friends.
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Wachovia Is Unprofessional Regarding Their Business tactics with nasty rude representatives. They also are car thieves!
Posted by on
WESTMINSTER, MARYLAND -- In October of 2005, I purchased a 2006 Tiburon financed trough Wachovia dealer services. My husband co-signed for me.

In May of 2008, I leave my job to find my car gone. I called the police to report that it was stolen, when they told me it was re-processed by Wachovia, I couldn't believe it!

I went home to call Wachovia, they stated they did not receive a payment from me in three months. I told them I make my payments online with my bank and I have never been late. I asked them to look at my payment history for the last three years, and the payments were never late. The representative laughed at me stating, "Yeah Yeah Yeah, that's what everybody says." I asked for a supervisor who was just as arrogant as she was.

I also waited ten minutes for her to get on the phone. I received her fax number after telling her that I was in the process of faxing documentation that these payments were made. My husband and I faxed to Wachovia proof from the bank that these payments were made. I called her back to see if she received the fax and she stated,"Well I still didn't get these payments, so I hope that you can find them." She laughed and then hung up the phone. I called back and asked the representative, " If the payments were late why didn't anyone call us or send a registered letter to us." I was told that letters were sent just not registered ones. I was also told that the repo guys had been to my house several times. Well they must be ghosts because no one has ever seen them and there are six people living in my house.

I also work around the corner from my house, and I asked why didn't they come to my job to ask me about it like you say they did at my house. Why wasn't a registered letter sent for something as serious as a repo. Why was the co-signer not notified. I was told,"I don't know, maybe I can find somebody to help you." After holding for twenty minutes the representative came back stating, " I can't find anybody, but they will call you back in 24 hours." Needless to say that phone call never came.

A week later I receive a call from Wachovia Student Loan Department stating that they have my car payments. I asked them why did they have my car payments and the representative stated that she didn't know and maybe I had the wrong account number.I read her the car loan account number, she stated it was correct, and she didn't know why the payments came to the wrong department. She was actually tolerable and stated she would send me back these bank generated checks made out to Wachovia with the correct account number for my car loan. When I received these checks I faxed them to Wachovia Dealer Services. When I called them to ask them if they received the fax, I was told that I must have sent them to the wrong address. Once again I faxed to them proof from my bank that this was sent to the correct address and the correct account number was on the payments. Once again I called Wachovia back and was told, "Well you did something wrong." And then the representative hung the phone up. In the same week I received a letter from Wachovia stating that the car was going to be auctioned off. I sent all the proof I had to them that these payments were made certified and NEVER hearing anything from them again!

I also was told that if I wanted the car back that I needed to pay over 16,000 dollars when I had already paid 19,000 dollars in the last three years. They stated I needed to pay the full amount. since I filed a chapter seven bankruptcy in December of 2007. Wachovia was not involved, this is illegal per my attorney. Not having sixteen thousand dollars or the money to hire an attorney I purchased another car and sent a formal compliant to Wachovia.

In November, I received a bill for over eight thousand dollars stating that it was the balance left for us to pay. They also had a nerve to put it on our credit report as a charge off, this of course bringing our credit rating down significantly.

Someone has to do something about these hundreds of complaints about Wachovia Dealer Services. They are literally stealing back cars they have already sold, and ripping off their consumers.

Sincerly,
Randy and Lynda Ross



     
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madconsumer on 11/11/2008:
didn't you open the statements each month? I get a statement each month when my vehicle payment is due.

when a vehicle is repo'ed, they do not send out a certified letter.
yoke on 11/11/2008:
If you had really made the payemnts. who would you allow them to auction off the car? Since you had the proof you had indeed made the payments instead of FAXing you should have sent them certified.
Anonymous on 11/12/2008:
This just does not add up to me. If the payments were truly sent and Wachovia credited the wrong account then the matter should be easily cleared up. What bothers me most is that the poster went out and purchased another car while as the poster stated their former car was wrongfully repoed and the payments had been made. Any normal person would have fought to get their former auto back. There has got to be more to this fictional story
Anonymous on 11/12/2008:
I agree with DD. Unless the payments were returned to her bank, they were credited at Wachovia. If they were not credited to the right account, there would have been late notices galore, not to mention collection calls.
covehaven7 on 11/16/2008:
Once a brown noser always a brown noser!
Soaring Consumer on 12/19/2008:
If this review is true, this sounds like clear cut theft. Gather your evidence and sue them.
latebutnotaliar on 05/07/2009:
If it were not for the experiences I've had and what I have read others have had, I would say it's "bunk" but because it appears this company is not run well and has deceptive practices, I have to give the poster some benefit of the doubt.
Tonya Taylor on 10/15/2014:
i was harassed, Verbally abused, was brought to TEARS for 6 years with these Wacovia Dealer Services people. I was literally frightened to answer the phone after i lost my job but always paid my payment. It was late yes, but they always accepted it. That is until i had only a few payments left ...until and i owned the truck- it was this august, the 9th to be exact,pay off date was November that's only 3 months left!!
anyway , i paid the payment the previous Friday and they took my truck that Sunday. AND they took the money too. After 6 years of paying a month behind here and there they waited till i Paid them 27000 and maybe more...n then sneaked in the middle of the night and stole my truck and everything in it. No letter NO message.. NOTHING.. just a big F***Y**thanks for falling for the WFS SCAM> and gt
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Customer Service Lies And Does Not Follow Through On What They Tell You Over The Phone
Posted by on
CALIFORNIA -- At this point, I'm too exhausted to re-live this nightmare I've been living for 3 months now. I'm very frustrated and disappointed with Wachovia Dealer Services Customer Service, or the company's lack of simple Customer Service.

In June (it is now September), I had to sell my car, which I still owed $10,500 because I was moving to Japan with my fiance' to work for the government/military. Before I posted my car ad, I called Wachovia Customer Service and explained I would be leaving the country within the month and asked to be advised on title instructions. (I did not have my title, but it was my understanding that once the car was paid-off that Wachovia would send me the title.

I explained that someone else was buying my car and would need the title to get the car registered.

We followed Wachovia's instructions and did a wire-transfer from his bank directly to Wachovia's Headquarter office in the full-pay-off amount. Wachovia's Customer Service representative instructed me to include a note on the bank transfer, in which we stated that the title needed to be sent to the new owner, along with his contact information.

Weeks passed, but the new owner said he did not have the title.

I was on my way out of the country, but contacted Wachovia, who then instructed me to send via mail or fax a letter authorizing the title transfer, including contact info.

I followed Wachovia's instructions, and they assured me they would RUSH the title to the new owner within 3-7 days of receiving my authorized request.

After I arrived in Japan, I received another email from the new owner, and he was still waiting for the title, stating that he was nearing his expiration date, and needed to get the car registered, but that the DMV persisted that they needed the title, but Wachovia did not follow through. What they sent him was a Pay-Off Note stating the car was paid off. However, the DMV needs the title, not the pay-off note.

Now that I am in Japan, it is not very feasible to connect to Wachovia, but at my own expense, I contacted Customer Service AGAIN and explained our dilemma.

The CSR profusely apologized and stated that the notes in my file were very clear and assured me she would send the title to the new owner IN HIS NAME immediately!

It is almost another month later, and I just received the following email from the poor, patient new owner:

"Wachovia did it again and sent a letter of pay off not the title. They even sent the letter to my house in your name. The registration is about to expire and I need to do something. when I call wachovia to try to clear this up they won't talk to me without you faxing them permission to talk to me."

HELP! I am very frustrated. When I try to find a management contact name or physical address, I'm redirected to E-Services, which requires the consumer to input their message. I already went this route and didn't receive a valid response.

I would not advise anybody to go through Wachovia Dealer Services EVER, not for an auto loan, banking services, financial services.

Do they not train their Customer Service Reps? They are a very unprofessional company, and do not care about the consumer, the customer..., Their only concern is getting innocent consumers to commit to a large loan, then they treat you like dirt.

Thanks for reading.
     
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MSCANTBEWRONG on 09/11/2008:
You can call the Office of the President @ 877-250-2265 or 800-705-5567 or 704-329-3000 or email officeofthepresidentdealer@wachovia.com to register a complaint.
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Wachovia Does Not Help Themselves At All! They Hurt Everyone Including Their Own Shareholders!
Posted by on
CHARLOTTE, NORTH CAROLINA -- I'm not going to drool on and on about how pitiful my situation is. I'm late with the payment, in process of a chapter 7 filing. I have a reasonably good reason but it doesn't matter, I collect money for a living too and I have heard them all before...some true, some lies.

I was trying to work something out with Wachovia Dealer Services (on their terms this time) and now after reading all of these comments, not only from people who have not paid their bills but from people who did pay them and never got clear title, bad credit reporting and other awful things I'm scared to send them any more money. Yes, I owe them and I actually want to pay.

My chapter 7 should be filed any day now after months of collecting information and submitting to my attorney along with payments for the same. I am filing bk because of a failed business, not because of personal debts. I do not want to include Wachovia in the bk and would gladly reestablish or reinstate this loan but now I'm afraid to send them anything.

If they repossess my car, they will loose money at the sale, it's guaranteed. The car has 70,000 miles and was damaged in the amount of 8500 in February (and fixed..but still it's about half the value of the car..shows up on Carfax etc). I'm willing to pay them the principal in full in exchange for reduction of interest rate/payment modifications but they will not hear of it.

Their Charlotte representative ERIC has told so many lies to me, my bankruptcy attorney and apparently even his bosses that I absolutely refuse to talk to him again. None the less today I was told by his supervisor I had until 5 tomorrow to settle this, and I found a way to do so late this evening. BUT at 2 am a tow truck showed up with notes from today... so how am I to settle? They know they won't get paid from me because of the Bankruptcy if they take the car they LOOSE 10K +/-. If they work with me, they get paid the full principal and reasonable interest. Seems like a no brainer! I Win (keep post bankruptcy credit), they Win (get all their $$$). But they seem hell bent on repossessing the car regardless of any version of common sense.

Sure there are irresponsible people out there who don't pay their bills. Many of the post I've read here and on other sites are ridiculous and I can understand why they lost the car, but a lot of them sound like they were working it out, paying it back, etc. Don't you think that some of the problem we have in the country is because of unfair credit collection practices? Harassment and being treated this way is not the best way to get paid in full. No wonder this bank went out of business... unfortunately it did not take it's employees with it. Of course I live and work in the very town where Wachovia is (was?) headquartered and losing jobs means I loose work so it's a double edged sword for me.

This is bad business, bad bad business. Temper practical business practices with common sense! Try to be firm but polite and fair, try to reasonable separate the people who will never pay from those who had a temporary bump in the road and will pay. I paid on time for 3.5 years before hitting a bump.

What is funny is that many of the same mean awful people who have given so many people grief on the phone are now losing their jobs, I can't wait until its their turn. Maybe then they will see how it feels to be a person who wants to pay, but can't meet the demands of a rude/nasty/lying collection agent at the other end of the phone. Yes, you can afford to pay your bills today, but what if you loose your job and can't find one again for years. HELLO, WAKE UP... this is our world today! Help those who can be helped keep the car so they can in time pay off the full principal and a reasonable interest rate. Let the rest go, they won't fight you too hard anyway.

DON'T BOTHER CRITICIZING MY GRAMMAR AND SPELLING, it's 5 am after I was awoken by the tow driver. I am not spell checking or proofing this! My car is 1500 miles from here and Wachovia knows that.. I almost felt sorry for the tow truck driver. Look for the car at 2 am OK, I get it, but RING THE DOOR BELL AT 2 AM? Come on!!!!!!!!
     
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Anonymous on 05/07/2009:
5AM??? That explains the drool
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They Are Rude, Over Aggressive, Disrespectful And Blatantly Lie
Posted by on
SANTA ANA, CALIFORNIA -- Never have I come into contact with a company this ridiculous! I am beyond pissed and frustrated.

I have written Wachovia more times than I can count regarding their staffs behavior with no response even when letters are stapled to the payments; the payments get deposited but the accompanying letter never gets any response.
They claim I do not return their phone calls but I have cellular phone records to prove I spoke with them. Their staff threatening to take the car away constantly sometimes when payment is only 2 days late. They fraudulently represent information order to get a payment in quicker.

Last month I spoke with staff I told her I needed to pay the car insurance before making another payment she told me not to bother paying the car insurance because I won’t have a car to insure if I do not make the payment that day by Western Union and it wasn’t even late at that time. I have insisting on only accepting written correspondence so their staff can be held accountable for what they say and do but they will not stop calling or give me or send anything in writing. I have requested an account statement outlining the last year’s payments dates etc because what I have record of does not match what they are telling me. I have never received that even with four written requests and six phone requests I assume this is not being provided because it too will prove they are lying.

they have called my family, friends, and my ex-employer and who knows who else leaving messages with and discussing my personal information in detail. When I told staff this was unacceptable she said it was unacceptable that she couldn’t reach me and that she could call whoever she wanted and tell them whatever she wants to I have no say. I voicemail messages from her at 4:15 p.m. demanding I return her call by 5 pm. I have received up to 15 calls from them during one day. Wachovia is a predatory lender and make more money racking up excessive fees late changes, interest and using illegal tactics to make additional money. When I told her I was going to find an attorney or file charges against them she said “how are you going to do that if you don’t even have the money to make your payments on time.” That’s a great attitude if someone isn’t loaded with money they can be treated like crap.

This company is unscrupulous. I suggest anyone thinking of doing business with them to think twice and run far far away unless you’re a masochist like getting abusive phone calls every day. They are worse than having a gold digging ex-wife just like a tick sucking you dry.
     
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BobJohn on 09/30/2008:
I know you know that if you make your payments on time the phone calls will stop. The bank does not want any excuses, they just want you to make your payments when you agreed to make them.
spiderman2 on 09/30/2008:
BJ is right. They really only have one concern, which is that you make your payments on time, not a day or two late or if you have to pay your car insurance. If they are threatening repossession on a 2 day late payment, you must be chronically late.
Anonymous on 09/30/2008:
The good news is Wachovia went belly up so eh you'll no longer be harassed by Wachovia but the bad news is you'll be answering to CitiGroup from now on which makes Wachovia look like the good humor man but the good news at least your loan didn't get bought by Chase. I always try to look on the bright side of life. It keeps me sane in these crazy times. Good luck and don't take no crap from Citi.
cherpep on 09/30/2008:
Does it really benefit these banks to repossess the vehicles or claim their homes? With the thousands of people feeling a financial crunch, wouldn't it be more beneficial to negotiate a new contract with them and accept a payment that they can make? Wouldn't this keep some cash coming in - reduced, yes, but at least flowing? I realize that repossessing may be the only solution in some cases - but I just think the banks and the country as a whole would be better served by some renegotiations.
Anonymous on 09/30/2008:
If you staple correspondance to a payment, it gets sent to a processing center that does nothing but open envelopes and key punch the payment amounts. You put an obstacle in the processor's way by stapling something to the payment that does not belong there, I can assure you it is in the trash milliseconds after the envelope gets opened.
BobJohn on 09/30/2008:
cherpep - tsk tsk tsk, you are making too much sense. See, the way you want it is that the banks will not make BILLIONS but only the previous interest rate on home loans. Now just where do you think the money is going to come from to pay CEO's in excess of 10 million (gag) dollars a year to be bad maangers?
Anonymous on 09/30/2008:
There is more to this story then what we're being told. I'm going to go out on a limb here and say that you have been having difficulty getting your payments in on time for some time now and you are a risk to Wachovia. Banks do not harass customers like this without good reason, I don't believe it.
Starlord on 09/30/2008:
Watch the news. Wachovia just went under, following WAMU to the bottom.
Anonymous on 10/01/2008:
Starlord, I was going to mention that. Impending job loss has a tendency to hamper an employee's ability to give a flying **** about a customer. I've been there.

The Judge
EthelRee on 04/18/2009:
Is there anything we can do regardingthese unfair practices?
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Wachovia Dealer Services A Bunch Of Thieves
Posted by on
MIAMI, FLORIDA -- Do to problems with my job. I fell behind about 2 months on a loan for my 2007 Camry. I was planning to pay and had called Wachovia Dealer Services to inform them. The next day my car gets repossessed from my driveway. (2 MONTHS BEHIND!). To get my car back they demanded $3,000 up front! Aside from paying 19% interest. I was unable to pay the 3k at the time. They auctioned the car and claimed I owed (May 2008)about $5,000. This week they send me a letter saying I owe them near $8,000 and If I don't respond within 15 days they will sue me or send me to a collection agency. Aside from my credit being ruined from this company, they tell me that they have reviewed my financial situation and have determined I can pay off the balance. (WHAT FINANCIAL SITUATION?, I DON'T OWN ANY PROPERTY/ASSETS). OUR TAX MONEY IS GOING TO BAIL OUT BANKS WHO REPO OUR CARS AND FORECLOSE OUR HOMES?? WITH NO INTENTION TO WORK WITH THE CONSUMERS?

DO NOT TAKE OUT A LOAN WITH WACHOVIA THEIR PHONE SUPPORT SUCKS, AND THEY REPO YOUR CAR IF YOU ARE 2 MONTHS BEHIND!!!!!!!!
     
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Anonymous on 11/11/2008:
You should have let them know the minute you realized you were going to be late on month 1. This is how the auto loan system works--don't pay, don't work out arrangements with the bank at the first sign of trouble, get the vehicle re-possessed. Just about any other lender would have done the same.
Principissa on 11/11/2008:
You know if you call the creditor and inform them of your hardship, they will actually make arrangements with you so that you don't have your vehicle repossessed. All you had to do was call.
Anonymous on 11/11/2008:
700 Billion to bail out the financial industry because of people exactly like the poster and now you want sympathy??
Principissa on 11/11/2008:
Dealer, I just give up. There is no such thing as common sense or personal responsibility anymore. People are of the mindset that it takes a village to raise a child, you know instead of a parent, that they cannot pay their bills because they are entitled to a free hand out when they screw up. I seriously give up. I pay my bills on time every month, where's my prize.
Anonymous on 11/11/2008:
There are many options for financial hardship these days..as the others said, all you had to do was call. Many financial institutions will even move a car payment to the end of the loan, or they will work out payments where you pay back a certain amount each month. Wachovia didn't want to repossess your car anymore than you wanted it to be repossessed, it's not like they make any money off it.
bill on 11/11/2008:
I don't think it's fair to call them thieves. They have done nothing wrong. You didn't pay your loan and they took your car. Nothing dishonest here.
DebtorBasher on 11/11/2008:
When you called them the day before their car was taken...what did they tell you?
Ponie on 11/11/2008:
Coincidentally, there was nothing interesting on TV last night so I watched a couple of episodes of Repo (or whatever it's called). In all cases except one, the vehicle was repossessed because the borrower was TWO payments delinquent. One was five payments because they couldn't find the car.
TGT101 on 11/11/2008:
Technically you would be the thief for taking their money.
covehaven7 on 11/13/2008:
My story sounds just like yours! I totally agree with you and back you up! Evedentally the bad reviews must be Wachovia Reps!
Principissa on 11/13/2008:
Wow I work for Wachovia now!! Sweet. Wonder when they're going to pay me? Hey DB, what do I due to get Wachovia to give me my imaginary pay check that they owe me?
DebtorBasher on 11/13/2008:
Ponie...I may be working FOR the Repo men soon!
Stay-C on 02/25/2009:
At least you had two months to pay.. I wasn't but 4 days past my grace period and trying to make a payment and got cut off on the phone and tried to call back at 8am the next morning and they had locked up my account and on Sunday took the car.. this was all due to some slime bag that makes $7 an hour to harass people and this person had the authority to take my car, NOT his supervisor but the collections service guy.. Why are these pawns able to take away my car without a supervisor's authority, the supervisor made an agreement after I talked to the initial service guy and then opps.. they took my car, there bad but now they won't work with me, want the total amount owed and now I am going to have to file for bankruptcy all because some dumb guy doesn't understand how to work his computer!!!!! The nerve of these companies to leave your life in the hands of a underage, un-educated, ir-responsible loon.. BEWARE and make sure you are 2 months ahead on everything!!!
Ashleys on 03/31/2009:
lol, you people who back up this bank are hilarious and somewhat mindless! haha,how much are they paying you to post the garbage that you post?!lol
madconsumer on 03/31/2009:
"how much are they paying you to post the garbage that you post?!"

at least a years salary ........
jktshff1 on 03/31/2009:
I make really good extra money for my retirement doing this.
latebutnotaliar on 05/07/2009:
The banks lend money to people who the shouldn't lend money to, they repossess cars and foreclose on houses with people who have actually tried to work out a repay where the bank doesn't loose money. They asked for bailouts, they ran themselves into the ground, not us debtors. If they had common sense collections and made decisions based on the true ability of a debtor to get back on track after an isolated period of bad payment history, they would get all their money back and wouldn't need bailouts, but that's not how the banks work.... so don't lecture me or anyone else about bailouts. Again, all you people who do work for banks and post here, your day is coming...lay offs by the thousands.... lets see how you like the other side?
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Worst Customer Service
Posted by on
REDLANDS, CALIFORNIA -- I had the account with this company for 2 years and my vehicle was totaled. I requested information to complete the claim and need assistance from WDS. It took 3 months to finally get the information. The customer service people would place you on hold forever, three different people would have three different information, rudeness like no other seen. The worst representatives on the face of the earth. I even requested high management (corp.) and received no information or was miss guided. The corp. office also were rude and even hostile. If you have a choice I would steer clear of this company.

They are glad to take your money but when it comes for help, all you get are rudeness and unprofessionalism.
     
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Ponie on 01/13/2009:
Is Wachovia Dealer Services an insurance company or a financing company? A few years back, I had my car stolen. I made the police report, turned it in to my insurance company. After 30 days they declared it a total loss and took over on all the paperwork. I did nothing further--just endorsed the check they sent me and put it toward the new car. Since I owed nothing on the car, possibly that was why it went so smoothly for me.
Soaring Consumer on 01/13/2009:
Wachovia Dealer Services is a financing company.
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Customer service reps
Posted by on
I have been on the phone and they are telling me we will take care of everything as soon as we see it on paper, well I faxed them what they needed to see on paper and am still waiting for them to send me the nsf fees to get my account at the bank right thank god that Bank of America is a good bank and they disputed both of the transactions
     
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skelly39 on 08/05/2009:
Sorry-I'm a little lost. How is B of A involved in this?
PepperElf on 08/05/2009:
hell I'm just confused what happened for any of it
Anonymous on 08/05/2009:
Did you set up an automated debit with Wachovia? That's the only way they could have debited your account if you gave them your account info to do so. As for them refunding your nsf fees, you'll have to get BoA to do that. If it was a mistake on their part, Wachovia Dealer Services might reverse the charges, but won't refund the nsf fees. Your bank has to do that.
Anonymous on 08/05/2009:
If you gave them your account information, you did in fact authorize the transactions. You may not have wanted them, but you did authorize them. If you want to set up direct payments, you are always better to do it from your own bank. This gives you control of the when and how much, and also keeps your account information private.
PepperElf on 08/05/2009:
wow. you got all of that out of the letter?

I read it twice and was still like "um what?"
DigitalCommando on 08/05/2009:
You really should not have sent that cashiers check for Aunt Betilda's denture warmers to the scottish man in Cologne Germany, and that is the whole problem!
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