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.