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.