Wells Fargo Auto Finance

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Continuous Harassment and humiliation
Posted by on
ARIZONA -- We have fallen on hard times and have been just under 30 days late with our payments. I have answered most of their calls to us. Stephanie called my relatives to tell them that I am late on my payment. Stephanie literally laughed at me when I confronted her about this. I had a male call me and hung up when I asked to speak to his supervisor at 3 minutes before 9pm. I had Christy the other day tell me that I was going to hang up on her. I said no and the phone went quiet until I said, I'll add Christy to the list of rude people at Wells Fargo and she then broke her silence with I'll transfer you to a supervisor which I had already asked for and been denied. Of course I got his voice mail and you guessed it no call back. The calls continue to come in and I'm only 21 days late at this time. Two days ago I had Freddy tell me that there is no Russel as a supervisor, no Stephanie, and no Christy, so I asked who has been calling me then and who was he and where was he from. I'm in Dallas and he told me that they would be taking further action. Further action as to what I asked him and he said he couldn't tell me. Go figure...I asked "Is that a threat?" He said further action would be taken but gave no more information. I finished my end of this call with have a good day. Don't they think that I would give them the money if I had it. My husband is now over the road so we have split the family to make ends meet. I work 7 days a week now just to get caught up from his unemployment. We are desperately trying to save what we have.
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leet60 on 02/03/2011:
Be careful where you park your vehicle. It sounds as if they are likely intending to repossess.
jktshff1 on 02/03/2011:
Yep, they will be coming after the car.
MRM on 02/03/2011:
It should be a little relief now that you have a job.
Anonymous on 02/03/2011:
write and call the federal trade commission in Washington. this will help. missie
Anonymous on 02/03/2011:
Actually, they can't and won't repossess when the OP isn't even truly delinquent on her loan. She's late, but not 30 days late (delinquent) if I read the review correctly...she is however being harassed and threatened.

PepperElf on 02/03/2011:
it depends. if the OP is making payments (even late ones) then no, but if she is late and still hasn't paid then it could be a possibility

I hope the OP can get it worked out tho.

also if they do the "we'll make you hang up" crap again, try asking them if they are "refusing to discuss this?"

I've personally found that some people, when they don't want to do their job, will try to piss you off so that you leave. however directly asking if they're refusing to help you... often shuts that game down fast.
Anonymous on 02/03/2011:
That was my point, Pep...by the way the review is written, it appears that she's late but making the payments before she actually goes delinquent...which is not good but would not result in repossession.

Good advice on asking them directly if they are refusing to help.
Anonymous on 02/03/2011:
Unless AZ has a state provision stating otherwise a lender can repossess even if you are only one day late.
Anonymous on 02/03/2011:
I believe that is incorrect. I'm pretty sure a bank can only repossess before a loan goes delinquent, IF there is no grace period. I've had auto loans with WF before and they have a grace period.

It would all be detailed in the original loan paperwork though that the OP signed.
PepperElf on 02/03/2011:
or we can clear it up and look up the laws :)


it looks like the loan must officially go to "Default" before they can legally possess it.
Anonymous on 02/03/2011:
One can default if they are one day late on the payment. That was my only point. There is nothing in the law that states 30 days late, 29 days late, 6 days late or two hours late.

I still maintain a lender can lawful repossess after one day late even if there is a grace period written in the contract and by lawful I mean if they did so it would be considered a repossession and not grand theft auto.
PepperElf on 02/03/2011:
but if the OP makes a payment, then it cannot be repossessed.

that's the thing about loans. if you're actually making payments then you can have leeway.

plus Arizona has a law about repossession. from what I've read if you prevent them from taking the car they can't do anything about it, unless you haven't paid for 90 days. then they have to notify you in writing... and from then you'll have 30 days to return it.
Anonymous on 02/03/2011:
PepperElf I'm not sure what you're saying. Are you saying that if you make your car payments then your car won't be repossessed? Okay I agree. Never realized I stated otherwise.
Anonymous on 02/03/2011:
You can maintain all you want to Lord, but you're still not factually correct. I just dug out my last loan agreement with WF and it clearly states that WF may repossess if the loan goes delinquent by 30 days and in accordance with WA law. I suspect that is the same terminology used for most states.
PepperElf on 02/03/2011:
I couldn't edit. I meant to add on that even if it's late... once you pay again they can't do anything.

really maybe the OP should just put the car in the garage. then they can't repo it. ain't legal to break into the garage to take it.

tho they can take it from the driveway or street.

that way they can't force her to give it up either. they'll have to wait for her to go 3 months without making a payment before taking legal action
Anonymous on 02/03/2011:
Okay you're right JC. The UCC clearly states a borrorer must be 30 days late before a repossession can occur. Of course it clearly states in in invisible ink but it states it all the same. LOL, you guys crack me up.
PepperElf on 02/03/2011:
that doesn't sound like invisible ink.
since he's reading it from his agreement and the agreement is quoting local law.

Anonymous on 02/03/2011:
No..you crack me up. Prove I'm wrong and I'll once again bow down to you Almighty.

Uhhh Pep...by he, you mean she, right?? Jeez...this is all DB's fault for calling me a dude wayyyyy back in the day!
DebtorBasher on 02/03/2011:
Me? Called you a dude????????? That can't be true because that would mean I was wrong...and we all know the Basher is never wrong! You must have me confused with another member...yeah, that's it...it was another member.
Anonymous on 02/03/2011:
LOL! I knew I should have saved those comments!!
DebtorBasher on 02/03/2011:
Yeah, Yeah, Yeah...
PepperElf on 02/03/2011:
omg sorry just!
*humbly apologizes*

DebtorBasher on 02/03/2011:
Unfortunately, they can start calling when the payment isn't there the day it is due. When I worked for Chase, they had some of the collectors calling people at one day past due. You may not get any fees until its 30 days past due...but they will start calling when it's not there on time. Chase even had me calling people two and three days BEFORE their due date which I totally did not believe in doing. They said, 'Just tell them it's a reminder, and if they didn't send the payment in, get them to give you the payment over the phone." They called that a 'courtesy call'...because we are reminding them of a payment that is soon to be due. Yeah, we were doing the customer a favor alright, especially when they have a history of making all of their payments ON TIME!
DebtorBasher on 02/03/2011:
Oceanmist...if you're husband is unemployed, try to find a rep that you can talk to and ask about a 'hardship' program. Everyone has them, but they will not offer them, you have to ask about it. In fact, don't ask them...just tell them you feel you are eligible for the program.
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Posted by on
Rating: 1/51
OLYMPIA, WASHINGTON -- I purchased a car 6 years ago through Wells Fargo auto, I admit, I did have the occasional late payment, but I paid their fines and fee's. I had 4 payments left on the car, owed $1400. I lost my job, and couldn't get another, so I scraped money together to make payments. Not only would they not work with me, when it was found that I no longer had a job... well... suffice it to say, the car was repo'd and subsequently sold for $1000. I went back to work finally and called Wells Fargo to give them the last of the $400 that I owed on the car, even though it was no longer mine. They demanded $2700. They said it was fines and repo fee's. I ended up settling and giving them $1400. We all know they are rude and heartless. We all know that they are not here for charity. But I paid on that car for 5 years, at an interest rate of 11%, they did, indeed get their money and then some. The thing I found reprehensible was how they would not work with me at all to let me just pay the 400 that I still owed. This bank is a good one to destroy your credit history, I hope mine recovers eventually, I will never work with Wells Fargo again.
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Run if wellsfargo buys you're contract
Posted by on
I've had my truck since Aug.2005.The contracts been bought out at least for times that I could remember & every other finance company would bend over backwards to help you get back on track when you were having finance problems except HELLSFARGO that would not ask but demand money that you don't have. When I lost my job I made the payment to them & asked on next month to get a deferment no big surprise there answer was no OK it'll just be late. I was able to get a loan from grandparents to catch up & get month ahead with every day they would hound like a pack of wild dogs. My contract ended last AUG.28,2010 and they still sent a bill for $2,000 a month later they sent another paper saying they were going to reduce 522. off my final bill but the thing is how do I owe the money since I found the original contract. I was told they buy up contracts & pad it without people realizing it. Now I need to find a lawyer to straighten out these shady people...
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MaggieMcT on 01/31/2011:
Before spending big $$$ on a lawyer, I'd try sending them (via certified letter) a demand for an accounting of the loan from day 1 to present.
Alain on 08/18/2011:
Did you pay the full amount due on or before 8-28-10 and then they still sent you a bill for $2k? It's unclear from your post.
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Harassing Phone Calls
Posted by on
Wells Fargo is the worst auto financing company I have ever dealt with. When I established my vehicle loan I set up auto withdrawal. In reference to my very first payment: My payment is due on the 17th. The collections department calls on the 18th 5 to 6 times a day. I speak with them and realize that they have not set it up, I go through the steps to do so AGAIN and call back. I am then told that won't now take effect until the next month. I go back online and make an instant payment. I call back with the confirmation number and ask that they stop calling my work number and only call my home number in the future.

I am told that I will be removed from the calling list and they will verify my payment is received. I receive 9 to 10 calls the next day, once again at work. I "catch up" this new rep and they state the same thing. An hour later I receive another call and after dealing with a rep that told me I should just pay my bills on time and numerous other comments I ask to be transferred to a manager. After speaking with the manager I am told that the situation is taken care of and they will not call again. Needless to say this goes on for almost a month. We are reaching the point of my next payment being due, they are telling me that they can not track their confirmation numbers at all and my payment has not posted. They then continue to tell me that on the next payment date they are going to take out 2 payments to catch the account up. Regardless of the fact that I have the confirmation number and have faxed them copies of my bank statement showing that the funds cleared my account weeks ago for the initial payment.

One night when they called I decided that this was going to end once and for all. After 3 hours on the phone and being transferred from person to person to person they notify me that they posted my payment to someone elses account. After a couple of days they move the posted payment over to my account, TWICE! So, now my new auto withdrawal does not come out. When they remove the second one they posted to my account the calls begin all over again! I am refinancing immediately!

This is ridiculous and they are the rudest people that I have ever dealt with! No apologies at all!
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tnchuck100 on 11/14/2007:
Since they have demonstrated to you their inability to handle auto pay properly you need to send them a check with the account number on it 10 days before it is due each month. This will produce a paper trail completely outside their control.

I realize electronic payment is easier but in this case you should not use that method.
Anonymous on 11/14/2007:
The calls are all automated now, there is no human being on the line till you answer. The problem is getting out of the auto dialer program they are using. Hope it all works out for you and you do not get a ding on your credit because of this.
keli449 on 06/30/2008:
I just financed a car through wells fargo, They sent me my first statement which stated due date of July 11th, should have been June 11th I paid early of $185 and was going to pay the balance until I received this statement the statement also states principle and interest payment, which I did not make so I called and was told that they will call me back, I called again and now they call every 20 minutes and ask you to hold! I don't think so! I thought it had something to do with the dealership. I am going to try to find a fax number which I wrote every call I made to them then go refinance with my other bank.
lovestowearhats on 07/09/2008:
Let me say this -- 3 days after a payment is due -- they will call at LEAST 5 times a day --- I will NEVER ever work with Wells Fargo Auto Finance again and am now looking to find a loan to pay these idiots off -- it is insane. I have never had a bad reputation paying any bills late and it shows on my credit report -- 3 days -- ?? I know it's late by 3 days but they harass you in 3 days and don't EVER STOP until about 2 days after you pay them online -- it's insane and it won't happen again. I'm off to find a loan NOW to pay these "razzle schnazzle" people off.
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Took payment without authorization
Posted by on
Wells Fargo called me first week of December 2010. We owed November's car payment. I explained that the car was wrecked and we were waiting to here from the insurance company to see if it was totaled. They offered to do a deferment if I called back in before the end of the month. That is what we agreed to. I took a trip out of town on December 16 for a custody hearing in Maryland. I was on a plane from the 16th at 3pm cst until I landed due to weather issues in Maryland at 3 am est. We get home Friday on the 17th around 10pm. I get home and check my bank account and low and behold Wells Fargo took a payment without my authorization. I called the bank and they said that it was done via the telephone and was put through on the 16th. I wasn't able to call Wells Fargo yet but I will Monday morning after I go to the branch on Saturday. It is the law that they cannot do an ACH transaction without my consent. Wells Fargo policy states that the call has to be recorded as well. I plan on refinancing my car elsewhere because this is ridiculous. They can return the money to me and lose out on a car payment for all I care. I am so pissed off I could scream. I fully plan on sending this as well to the BBB. These people need to be shut down. Stay far away from Wells Fargo for anything. Also they offer no grace period as well. This isn't the first issue with them. Weve had problems since August with this company.
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bob932304 on 12/18/2010:
Makes no difference your car was wrecked, you still owed your payment on time. It would be interesting to listen to the record conversation.
getoverit on 12/18/2010:
Yeah, I had a car in the shop for almost four months one time - still had to make those payments, though. Really torqued me off.
leet60 on 12/18/2010:
Is your checking/savings account also with Wells Fargo? If so you may want to read the terms of your account. Almost all banks have a caveat in their account agreements that they have a "right to offset" the funds in any account you have if you owe them money.

As for the discussion you had with the caller from Wells Fargo in the initial conversation, I suspect you were being called by their collection department. Any time you are called by a retailer/bank about a missing payment the calls are initiated by collections - take anything you hear from them with a "grain of salt". Many of these representatives are paid commission/bonuses based on the amount they collect and are not always honest about what they tell you.
Anonymous on 12/18/2010:
I would be more upset with the insurance company. It doesn't take weeks to total a car. It usually takes just a few days. You owe Wells for the loan no matter what happened to the vehicle so I can't really fault them for their collection efforts but I would definitely draw the line at snatching your funds without authorization. I hope you get things resolved with them on Monday.
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Billing problems that resulted in wrongful repo and selling of my vehicle
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2501 SEAPORT DRIVE BH300, PENNSYLVANIA -- Wfaf had repo and sold a 2002Dodge Durango from me that was financed through the company when errors were on there part that the company did not want to acknowledge even when proof was shown to them and Iwant people to know even if you schedule to make a payment on line and Wfaf is resonsible for taken your payment from your account Wfaf still turns in your payment a NSF even when your bank shows you that the bill was paid. Wfaf had mailed out to me documents in some instance that didn't make any senece concerning my payments before and after the car was taken and sold. My main thing is how can you say that a customer didn't make payments when they did and showed proof but all the company do is take information that was giving them play like that's not what they had when it was there job to keep accurate information about there customer payments then just sending out any old information and using to there avanage to take what really belongs to you back. I do have proof of payments that was mailed to Wfaf concerning payments that was made and there reason for taken the 2002 Dodge Durango in which a lot that was written wasn't true. So any one out there thinks that Wfaf won't multnipulate and lie on paper I know they will and will say what they didn't receive when they did but regardless of what was said I have proof of there lies.
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Be wary of Wells Fargo!
Posted by on
I have had a car loan with Wells Fargo since 2004. I called their customer service line to get a pay-off figure. They gave me an amount and said it was good through March 7th. I sent off a track and confirm letter with a bank check in the said amount. It was received in their office on March 5th. I then get a letter stating I owe an additional $119.00! I called immediately to find out why and was told that letters were sent out “a year ago” not to use my payment book and included a new address. My payment was late because it was sent to the “old” address! I told them I never received such a letter and regardless since it did in fact come to their company I should still be paid in full. I also asked why, if all my payments for over 12 months were sent to the “wrong” address, I was not contacted and the rep had no answer. I was told I would not get my title until the amount was paid. At that moment I realized they had me by the short hairs as if I continued to fight the charge the interest would just keep accruing until I did. This happened with my husband years ago with BOA and we ended up paying an additional $600 to secure our title!

DO NOT take a loan with Wells Fargo…use you own bank or a lender you trust. They are simply put a rip off company!!!!!
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forcomplaintsonly on 03/21/2008:
You are better off with companies that offer the advantage of setting up an online account to do so, because you don't have to set up auto-deduct, but you can make the payment when you want, and it is sent automatically, and you do not have to worry about wrong addresses. You also get an email confirming that they received it, and most companies post it within 24 hours.
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Inappropriate Late Fee Charges And Incompetence Resolving Issues
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PHOENIX, ARIZONA -- Wells Fargo auto finance customer service is the most incompetent group of females I have ever worked with and as a female I am embarrassed to be grouped with them as one of my gender. After I informed them of erroneous late fee charges and substantiated through my bank that the check in question had indeed cleared the bank they refused to allow me to speak with a supervisor to get the issue resolved and requested private account documents showing that the check had cleared (ie my bank statement) which my bank does not release to a third party.

Subsequently my bank agreed to write a letter acknowledging clearance of the check but Wells Fargo customer service hung up on me when I insisted on speaking with a supervisor so that the issue could not be resolved.
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tnchuck100 on 02/06/2008:
What was the response when the received the letter from your bank? You did send it certified mail/return receipt requested, didn't you? Otherwise they will simply say they never received it.
You are not alone. There are many complaints on this site about Wells Fargo Auto Finance.
Hugh_Jorgen on 02/06/2008:
Why was it necessary to keep insisting that you speak to a supervisor? Like Chuck said, send them what they asked for via registered mail and that should clear things up.
Suusan B. on 02/06/2008:
Something tells me that this may be a case of the check cleared the bank but didn't post to the account by the due date?
Slimjim on 02/06/2008:
Shouldn't be a big deal. YOU get a copy of your statement verifying when the check cleared, black out your account number(s) and anything else sensitive (not your name of course), and fax it over to them. That should have taken care of it instantaneously. Since you have a letter, that should work too. Now as Susan alluded to, just because they cashed the check doesn't mean it arrived by the due date.
Oceanmist on 02/02/2011:
They are rude and arrogant. I have been dealing with them almost daily. And to complain about their borderline illegal activities within their company is like talking to a brick wall. I will NEVER deal with them again.
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