Wells Fargo Auto Loans

I financed my car for 5 years and with 2 years remaining, I wanted to pay it off in full. Online it showed I owed 12K and like other loans, when paying it off early, that 12K amount would be reduced since I'm paying off early and eliminating 2 years of interest. To my surprise, Wells Fargo told me I owe, 13k to pay it off. They explained that's the loan I signed and nothing I can do about. The person from the Office of the President at Wells Fargo couldn't tell me how my loan was set up and basically called me to tell me that I signed the contract so I have to deal with it. She clearly has dealt with others with similar situations not being informed of the type of way the interest is accumulated and that the online price doesn't include interest for the length of the loan. She also agreed that it was misleading but I signed the contract and that was on me to continue to make payments.

Please don't allow the lower interest fool anyone to do business with Wells Fargo. My neighbor is filing a complaint with them for a different reason but the COMMON TREND was we were but not informed or mislead to doing business with this company. Buyers beware-- do not do business with Wells Fargo! Nothing, not even banking! There is a reason why the top executives have been fired for their bad business practices! Office of president, Cynthia, is untrained on customer service and the hold concept of helping is a joke!

Told the person in that department what can we do to fix this problem as I am not refusing to pay but rather catch up. She told me to pay off the whole balance, if I had the money to pay off the balance I would had paid it off a while ago. Said I can only make this go away by paying off the balance, refinancing (which is a joke. No bank or lender wants to refinance, but they WILL approve you for a new loan) or trading it with a dealer. I only want to finish paying off my loan. Really sucks how this bank takes advantage of your misfortune. Wish I would had known how this bank was before deciding to finance with them.

The same car dealership was willing to buy back the vehicle for $13,000 and I made up a bank check for the difference in price so that they would send Wells Fargo the total of $16,400 that was owed, as per the settlement. But when Wells Fargo faxed the bill to the car dealership, they faxed them the amount of approx. $18,800, not the settlement amount. I made about two dozen phone calls to Wells Fargo, spoke to about seven different representatives, all were in agreement that the settlement amount was correct, but they continually faxed the higher amount to the car dealership. Finally, a representative stated that the higher amount would have to be paid and the car dealership would be reimbursed for the difference.

This of course was unacceptable to the car dealership. I explained to numerous Wells Fargo Dealer Services representatives that I needed to sell the vehicle because in a few days I would leave the country, but they insisted this was the only way. On September 29, 2018, as a last attempt to pay Wells Fargo Dealer Services, I visited a local Wells Fargo Bank and spoke to the bank manager (who I understand was not connected to the subdivision), and related my situation. The bank manager was nice enough to make a telephone call to Wells Fargo Dealer Services and spoke to a manager.

After a frustrating hour and a half, the bank manager lost patience and turned the telephone over to me. I made it clear that I wanted to pay the settlement amount of $16,400, but after October 1, 2018 the vehicle would be left at my daughter-in-law´s driveway. I explained that this is not a good option for either Wells Fargo Dealer Services or for me. The Wells Fargo Dealer Services manager did not seem to care either way.

I notified Wells Fargo Dealer Services numerous times thereafter where the vehicle would be parked so that it may be returned. On November 8, 2018 the vehicle was picked up. Now my credit rating has dropped and I am considered a bad debt. I do not understand how Wells Fargo Dealer Services can remain in business with such practices and poor customer service.

A few weeks later, I noticed that my automatic payments were being returned. Upon a little digging, I realized what had occurred. I called the dealership and Wells Fargo Dealer Services right away. The dealership told me that they would handle things on their end. WFDS told me that my original loan account was closed and even if I wanted to make a payment, I could not because a loan did not exist anymore. I continued to try to make payments from that ultimately were returned to me because the Wells Fargo account was deemed paid in full and was closed. Since January 2nd, I have called WFDS probably close to 60 times and have emailed the one and only internal contact that I have at WFDS, to simply ask that my loan be reinstated and revised to reflect a new maturity date (pushed back now going on 9 months now) and my payment due to be $546.83.

Fast forward to June 2018. Unexpectedly, I received a bill from WFDS. The bill stated that my payment was due on 1/13/18, the maturity date has not changed and the bill included 6 months of supposed late payments. The bill also included fees and charges accrued. The bill showed that my so-called aka non-existent account was reinstated (without my knowledge), was delinquent and that I was expected to pay the entire amount, in full. The letter also stated that WFDS reported the unpaid balance to the credit bureaus. I was shocked to have received this bill especially since I received no verbal communication from WFDS. My account has always been good standing and I never once had a late payment.

After I emailed and called about this bill, the account was once again closed. However, the account was and still is listed as delinquent and is in charge off status. Because of this, my credit score has been negatively impacted by over 300 points. Not only is my credit score now in the mid 500’s, my husband’s vehicle has continued to depreciate over the past 9 months and the amount owed remains the same.

According to WFDS, due to “unusual nature of this situation”, my account was escalated to the WFDS Office of the President in June. My account has sat pending, under their review since. Both the dealership and WFDS have admitted they are both to blame, apologized for their lack of communication and the fact that this issue has taken so long to resolve. All the while, I have sat waiting for closure, listening to lip service. WFDS specifically said that my original loan account was closed so even if I wanted to make a payment I could not, because a loan did not exist anymore.

Over the past several months, I have reached out, multiple times a day, leaving more voicemails than I can count. I have left messages for Brandon ** who is supposedly my account manager, Lorraina ** (Brandon’s supervisor and department manager), and Gail ** (director of the entire department). To date, I have not received a phone call from Gail to whom I left multiple voicemails begging for assistance.

Out of those calls, I received a phone call back from Brandon. He apologized for the delay in finding resolution and told me that my account was moved to “the top” and is sitting on a senior leader’s desk for their review. Brandon did advise me that they were supposedly working with the dealership to have them pay for the past 9 months of my payments for their error, as a courtesy. This was several weeks ago and several more voicemails ago. At this point, I do not care how long it takes for WFDS to figure out how they want to proceed. I want my credit situation resolved.

At this time the vehicle has been placed in charge off status by Wells Fargo Dealer Services. Once again this proves what I stated in previous complaints about Wells Fargo Dealer Services constantly closing cases before implementing an investigation/research in effort push blame on me the paying consumer when the fault and issues lies with WFDS. Please help me understand the following: 1. How can I owe for April with you received a full payment via money order. Your Duluth bank branch customer service rep Ricky ** faxed that proof of payment to you. I received in the mail yesterday a letter from your WFDS Credit Bureau Dispute Resolution Team stating the following, "The above referenced account has been updated to remove the 60 day delinquency reporting for the month of April 2018, however a 30 day delinquency will continue to report for the month of April 2018."

2.How can the month of April be reported 30 days delinquent if you received April's payment for the month of April? If all months from January 2018 to April 2018 was received within the months they were owed how can I be 30 days delinquent? Also due to your error WFDS applying my January 2018 payment to the wrong account and (you had to correct that error) means I am not 30 days delinquent for the month of April. 2a) Why will April 2018 still be reported as 30 days delinquent? 2b) Why are my other case complaints not being addressed.

Please provide an explanation for the following: 1. Why is April still being reported as 30 days delinquent? 2. Why is collections still telling me the system shows my auto loan account 120 days delinquent if you corrected it to 30 days delinquent? In which, I state that there should be no delinquencies reported from July 2017 to April 2018. 3. Where is that cash money for November 23, 2017 of payment made for 624.00. Only $512.89 was applied to the auto loan. $112.00 cash was not applied to my auto loan. This payment was paid at your Lawrenceville GA branch.

Three cases were opened and continues to be closed without research. Case ** was the last case opened at the Lawrenceville bank branch on June 6/25/2018. But no one will pull the surveillance tapes as I requested multiple times to see what transpired at that teller counter. Instead Wells Fargo Lawrenceville branch keeps closing the case with no research as if WF has something to hide. 3a). When will the surveillance tape for 11/23/2017 be pulled and report the finds to me?

4. When I receive proof that CPI Premium was credited back to my account? I did follow up on this account at your Duluth bank branch with Mr. Ricky ** on August 3, 2018. We called the Office of The President and was told that Maria who was handling my complaint was not available to speak to us but was in the office. 5. Why have I not received any updates from Maria as to where my complaint stands and what has been done to address these issues? Moreover, I received in the mail two weeks ago a letter from your WFDS Credit Bureau Dispute Resolution Team stating the following, " Wells Fargo Dealer Services has submitted a request to Equifax, Experian, and TransUnion to update the above referenced account. The updates are February 2018 and May 2018 to 30 day delinquency, and May 2018, June 2018 to 60 day."

6. How can February 2018 be reported as 30 day delinquency if you received February 2018 payment in February? 7. Where was the missing money that was misapplied by WFDS causing all these erroneous late fees to be assessed to my auto loan applied to May 2018 and June 2018 bringing the account to be owed for July 2018 and August 2018? 8. Where has all of my money paid been applied to? Feel free in contacting me via email or by contacting me by phone. Best Regards Faye ** and Gavin **. PS: BBB Case ** and to Consumer Financial Protection Bureau Case# **, and ** OCC Case # **, office of the Comptroller of Currency Case ID#:**.

Since Jessica and Wells Fargo Dealer Services personnel and the Office of the President personnel continues to proclaim not receiving certified mailed copies of payments and scanned in emailed copies of payments made to Wells Fargo Dealer Service account payable we brought that same certified mailed in documents and copies of payments made. Wells Fargo Dealer Services on my truck note to the Duluth branch to have the branch manager review and fax to Wells Fargo Dealer Services. My husband Gavin and I brought in all copies of our payments made and letters mailed to Wells Fargo Dealer Services. The copies of the payments paid since October 2017 to present April 2018. Mr. Ricky ** assisted us by contacting Wells Fargo dealer Service to discuss the incorrect payment history received in the mail from Jessica ** (Office of the President Representative).

We spoke with Gregg ** ID ** in collections on June 29, 2018. He stated our auto loan is 105 days past due. Of course we disputed that being that there are missing payments and incorrectly applied partial payments which were full payments that Wells Fargo Dealer Services decided to place some of my auto payments in a holding account (whatever that is). Per Mr. Gregg ** ID ** he stated we were 105 days past due with a credit in the holding account of 391.77 from overages and shortage payments made. Mr. ** went over the payment history with Duluth branch CSR Mr. Ricky **, myself and Gavin. Mr. ** sated the following is what he saw per the payment history: Oct. 26- received $550.00 - Branch Payment Nov 22 - received $ 512.89 - Branch Payment - in which is we disputed and stated that we made payment of $624.00. and that 112.00 is missing and believe by us that those funds were stolen.

December 22 - received $512.00 - branch payment January 19 - received $512.89 telephone payment. Per Mr. ** this payment was reversed off on January 23 due to no found account. At that time Mr. Ricky ** asked do he not see a money order payment for that month for $512.00 Mr. ** responded no. No payment was received for the month of January. Myself and my husband Gavin disputed this. We provided the copy of the money order, in which was mailed into accounts payable. It was also sent to Jessica and other personnel in the Office of the President at Wells Fargo Dealer Services and sent within the certified mailed documents that was signed for. So this was marked as issue missing payment number 2. February 22 - received $512.00 money order payment. Per Mr. ** employee ID ** stated this payment received was applied to the month of December.

This is also what Jessica placed in her corresponding letters to me and the BBB Case ** and to Consumer Financial Protection Bureau Cas# ** and OCC Case # **, office of the Comptroller of Currency Case ID#:**. Jessica ** stated,"You expressed concern about a missing payment that was not applied to your account in February 2018 in the amount of $ 512.00. Based on the information you provided to us we were able to identify the transaction and found that we did receive a payment for $ 512.00 that posted on February 22, 2018 and was applied towards the December 16, 2018 installment."

Please help me understand why would February 22, 2018 payment received be applied to December if December 2017 payment of 512.00 was already received and applied to December? Where did my first applied branch payment for December $512.00 payment go to? We will mark this as issue missing/stolen payment number 3. March 26 - received $513.00 - Money Order Payment April - Per Mr. ** there was no payment received. My husband and I disputed this as well. We provided the copy of the April Money Order that was mailed to Wells Fargo Dealer Services Accounts Payable to Mr. Ricky ** - Branch CSR. He then confirmed with Mr. ** from Collections if he sees that April money order and Mr. ** stated, "No." This is the same copy of April money order that was emailed to Jessica and other personnel members in the Office of the President.

However, all deny receiving it within the scanned in copies of dispute letter, bank statement and copies of all payment receipts from the bank and all money order payments in question that were emailed multiple times. At this point Mr. ** requested for a copy of proof of payment for December's payment, January's payment and April's payment. Mr. Ricky ** faxed all to Dealer Services Support Services regarding account#: **. These documents were faxed from the Duluth branch on 6/29/2018. Last issue, if my account is supposedly 105 days past due why is there a credit of 391.77 in a holding account? Why was I not notified of this money being stashed in a separate account I know nothing about? Will I receive the interest off of this money being stashed in this holding account Wells Fargo Dealer Services created?

Also, per the payment history received in the mail from Wells Fargo Dealer Services l why was is charged for CPI PREMIUM in February 2017 when I has full coverage on my truck? You charged me $755.00 for this premium. Why was I not asked for proof of insurance before this premium was assessed to my account? Why was CPI Premium of $755.00 not credited back to my auto loan account? My husband and I will consider this as issue of missing funds from account number 4 and 5. At this time we are pending for payment research to be completed in 7 to 10 business days. It is of no surprise to me that Jessica and Wells Fargo Dealer Services is always in a hurry to close cases while in the middle of an extensive investigation. Jessica did not even allow a response from me in which I had up to 5 days to accept or reject the response provided.

Jessica closed the case the same day she submitted the response letter. Do understand Wells Fargo Dealer Services can continue to try and convolute matters by constantly closing cases forcing me to have to reopen a new case. It is my opinion Wells Fargo Dealer Services want to try and make it difficult for me to keep track of all the cases they closed prematurely. Do understand that I am keep track of all cases closed and opened. I will get to the bottom of finding this money that is summing over two thousand dollars and that includes erroneous accessed fees placed on my account due to Wells Fargo fraudulent accounting practices. I did open a new case#:**. This one replaces the one Jessica closed on June 21, 2018. This new case was opened by Darlene - customer Service Rep in the Office Of The President.

I spoke with her on June 26, 2018. I have numerous of times asked and requested for these wrongfully applied late fees accessed to be credited back and taken off my account. This account is behind due to your misapplied payments methods, not applying received payments properly and placing received moneys in a holding account without my knowledge was caused by your corrupted accounts payable/accounting department personnel and your bank branch staff. Also, you have destroyed my credit standings by falsely reporting 8 negative remarks about my auto loan that is not 105 days late. I am asking for this to be corrected and cleaned up with all 3 credit bureaus

Resolution Request: Wells Fargo Dealer Services to correct all missing/not applied funds we have sent to you. Correct my credit for you have reported 8 negative credit reporting in which has affected my credit scoring and my ability to obtain credit extended to me. Remove all late fees off my account and bring back to good standings as it was.

I wish to be released from this loan as paid in full status. This has been the worst most stressful experience I have had in dealing with Wells Fargo branches and Wells Fargo Dealer Services. Your constant harassment and rude attitudes received from your collections department and customer service, and threats from you stating repossession of my truck etc. Prosecute the person who stole my 112.00 for my November 23, 2017 payment of 624.00. Requesting a written apology for all the issues and wrongful accounting methods implemented on this account. CPI Premium of $755.00 to be credited back to my auto loan account. PS: BBB Case ** and to Consumer Financial Protection Bureau Cas# ** and OCC Case # **, office of the Comptroller of Currency Case ID#:**.

Yes I will get reimbursed for my rental car and all the expenses but this is UNACCEPTABLE and should never ever happen to anyone who is making their payments on time. Like I said I still don't have my car and I'm incurring rental fees and all. So since my pockets are running on low paying for the rental car I will have to drive 60 miles out to get my car that should have never been taken in the 1st place. Both my husband and I will have to take off work to go and pick up. This is insane and unbelievable. They should have just paid the $200 to have the car sent back and would have avoided all the extra expenses they have to now pay me back for. AVOID GETTING A LOAN FROM THEM AT ALL COST... BECAUSE IT WILL COST!

I was not certain if there was a computer issue or what but she told me I could go ahead and go and that as soon as she got the answer for the loan that she would call me or email me. Doing what I was asked to do, I went to my home and waited. I had left her office at approximately 1:40 PM and 2 hours later I had heard nothing so I called the branch. I left my name and number with a lady and about 20 minutes later the same lady called me back to say she was sorry but the loan had been denied. It aggravated me number one that the person I had done business with was not the one to call me back. I found it odd that two weeks before that I could have bought a brand new vehicle elsewhere with payments of $280.00 per month for 78 months but at this place I was denied a loan for $8600.00. I have not had a vehicle payment since Noah's Ark, and I've never financed or had banking business at Wells Fargo.

I just assumed that since the vehicle loan was already there I could just pick up and finance there. I proceeded to ask the lady that called me back "do I not have any other options to get this vehicle? Can I not get a cosigner or apply a down payment to be able to get THIS vehicle?" Her response was "oh yes you can do that on a vehicle loan but you would need to come in and fill out new loan documentation"... I let it go then. I didn't want to but I did until now. You see this vehicle belongs/belonged to a lady at a nursing home where I work and she was selling it. She owed $8600.00 on this vehicle.

I have a high debt to income ratio which comprises my credit rating but it does not mean that I don't pay my bills monthly, above and beyond, on to me and always. I was also told I would receive explanation through the mail as to why my loan was denied and I have yet to see that. It was such a great deal that maybe someone at the branch pulled the rug from under me... That's the only way I'm left to see it. Vehicles are a dime a dozen, but I will NEVER bank at Wells Fargo. Thank you Wendy ** for absolutely nothing.

Fast forward a year later, I still have the car at home, of course a payment hasn't been made, I'm still paying full coverage car insurance and registration, and the car is just parked since I do not feel comfortable driving it. I've called Wells Fargo numerous times and they refuse to work anything out and/or pick up the car. All they tell me is that is has an order for repossession and it's just a matter of time for it to get picked up... terrible!!

About a week later I received a letter from Wells Fargo Dealer Services saying they denied the original "loan" application and were changing the terms and now had approved a "loan" for the vehicle and to start making payments to them. Without thinking any further about this at the time I made the payments. In July 2016 I received a recall notice from Ford about the Takata Airbag Recall. My vehicle has both the driver and passenger side airbags that are under the recall. To date they still have not been fixed. I contacted Wells starting in December 2017 and informed them about the recalls and issues. They asked for all of the documentation I had and said they would review it with their "legal" department and do everything they could to help.

Several months later they responded saying in a letter that although it is a manufacturer defect they were and are not willing to help in any way. I had previously asked for a refi about 6 months after making payments and they refused with no explanation. I have literally sent over 20 complaints to Wells Fargo Dealer, Atty General, NHTSA, Office of Comp Controller, Consumer Finance, anyone I could possibly think of and to date no resolution. Wells Fargo has denied every single request I have asked for, including help with the "loan" and even if they could get the dealer to simply disable the airbags.

I am still fighting for some resolution. The last response from Wells Fargo was on May 7, 2018 finally responding to the refi request saying they apologized for the delay, mind you the refi request was made in 2016, and that I should apply for a Hardship Refi since I wasn't making the payments. They still know the car is part of a major recall, is defective, is on non-op status and all they want is money, and have sent a repossession letter and want to repo car. I have asked for the so called "loan" documents and have not received them. Wells Fargo simply purchased the retail sales installment contract and is trying to enforce the contract even though they know the car is defective.

Their customer service is no help, every time I call the Office of the President I get a different titled rep rep saying they've opened a case and will respond within 10 business days. I've have received letters from numerous different people from the collections department and the office of the president yet I have never been able to speak with even heard from anyone with some type of legal authority to make a decision about this problem. I have since closed my accounts I've had with them in the past and will not pay for a defective vehicle or on a "loan" when there is no loan. My complaints are all on file with Consumer Finance Protection Bureau, which are public, and they Atty General's Office.

I had the PLEASURE of speaking to Rueben in customer service (who was a complete idiot) - who advised me that my account was blocked because the payment was reversed from the bank - blah, blah, blah. He advised me that I could NEVER use that bank account information again to make a payment. When asking him how I'd make a payment then - he advised me that in the future I would have to get certified monies from my back, write a check etc. I chuckled & asked him how I could write a check since the funds would be withdrawn from that account. He had no answer - just went on with his speech in the nastiest way possible. I finally put my husband on the phone who spoke with his supervisor Emily - she asked him to call back Tuesday to settle the discrepancy. He called back this morning & we STILL can't make this payment. It's so ridiculous & if this affects my daughter's credit - I will take legal action. Never, ever use this bank!

WFDS has also repossessed more than 860 cars belonging to members of the US military (read: Illegal). (Wells Fargo illegally repossessed another 450 service members' cars, CNN, November 14, 2017). A substantial level of fraudulent activity, ongoing without detection for relatively extended periods of time, across multiple lines of business in the same company, certainly provides a host of reasons to avoid doing business with Wells Fargo.

My Experience. I may have other reasons, especially if you are elderly and/or cannot absolutely guarantee your financial status for the life of a WFDS car loan: They may be operating a phantom Hardship Loan Refinance Program and they more or less hate their customers. Wells Fargo Dealer Services financed my purchase of a 2011 Buick several years ago. In 2015, at the age of 64, I was RIFd by my company. As you can imagine, that led to a dramatic decline in monthly income and I eventually began missing payments on a variety of things, including my auto loan. One of their Customer Service Representatives (CSR) eventually - months later - suggested that I apply to their Hardship Loan Refinance program.

At $377 a month, my car loan was the largest bill I had remaining. Taking the balance and spreading it out over a three or four-year period would have reduced my monthly exposure and ensured that the loan was repaid to WFDS. That should have been a win-win. I happily filled out the paperwork and waited. After a few weeks, I received a notice telling me that my participation in the hardship loan refinance program had been declined. Due to my low credit score! Now...my credit was near perfect prior to my being laid off. I had never missed nor been as much as one day late in paying my WFDS auto loan. There was no question that my financial problems were all a result of being RIFd. My friends in the finance industry were mystified: the low credit score (along with my history) should have been evidence that I was a viable candidate for a Hardship Loan refinance. Not that my application should be rejected.

When I called them back and asked if there was an appeal..the answer was no. When I asked what the approval rate for the program was, I was told that was (admittedly) none of my business. They told me I needed to sell the car immediately or get it refinanced somewhere else. I told them that I would try that (I did, with no success) but also continue to default on payments until they had to give me the statutorily required notice to repossess—about three months in arrears - at which point I would pay the balance and start the clock again. After I did this twice, they invoked the acceleration clause in the agreement, demanded that I pay the entire $7,000 immediately or face repossession.

Now...if I was having trouble paying $400 a month... Where the hell did they think I was going to get $7,000. Given the history of Wells Fargo staff manipulating customer accounts, it seems clear to me that a case can be made that an awful lot of bad people work for Wells Fargo. People who will willingly commit fraud; people who have no problem damaging the financial life of their customers; people who see the law as an unnecessary inconvenience and an impediment to making more money.

What astounded me though, as I went through all this with WFDS, is that they are also bad just really bad businesspeople. There were a number of times when they had a choice to make, one in which they could increase the probability of recovering their investment from me or stick a corporate finger in my eye and increase the probability of their recovering nothing. The business case choice would have been the one that maximized the probability of getting what I owed them. Without fail, every single time, they chose to stick their finger in my eye.

I'm counting their so-called Hardship Loan Refinance program as the first example. Why even say you have such a program for people with financial problems if you use the evidence of those problems to reject the application for assistance? Why wait for months to tell me that the program existed to begin with? Given my perfect payment record prior to the layoff, would it have hurt WFDS to try? It's not like they were increasing the amount of risk they were carrying. Agreeing to refinance would have actually lowered that risk. What did they get in rejecting me...except for the satisfaction of sticking their finger in my eye?

As already noted, I had begun to pay the account every three months--when I would get the Commonwealth of Massachusetts mandated notice from them that I had to pay $**.00 or they would begin the repossession process. I didn't mind paying this way...it gave me time to stage my payments, robbing Peter from time to time to pay Paul. They apparently had a problem with it though, because I did it twice and they called the loan, accelerated the payment and demanded it all in a lump sum. They knew the story. They knew my income had mostly vanished. They knew about my prior spotless payment history. Their choice was to continue to accept late, but ultimately complete payment (including late fees!) or demand everything now and push me closer to Chapter 7...in which they would get nothing but the satisfaction of sticking their finger in my eye.

After more discussions, I was told that WFDS would accept a payment of $5,000 in a settlement, instead of the $7,000 they had been demanding. (It would have been really helpful to have known that earlier.) The settlement could be paid in four monthly payments of about $1,200. I figured out that, with a little borrowed money, not paying some other bills, taking into account the timing of my Social Security check and driving for Uber (not advised...I have a spinal condition that limits the amount of sitting I can do at any given time). I could come up with the $1,200...but in two monthly payments of $600 each. I called the CSR back...and was told that this was impossible. It had to be in a lump sum.

No other option was possible; no further discussion was allowed. Why? What difference does it make if they get one check for $1,200 every month or two checks for $600 every month? Again, I don't get the business sense here. All I get is some driving corporate need to be complete ** and there's that finger in my eye again. In the last conversation I had with WFDS, I agreed to voluntarily return the car. I was hoping to avoid a formal repossession notice on my already damaged credit report. The CSR I spoke with, Ms. Kenya**, accepted that and told me that they would be in touch with a time and date for the turnover. She seemed sincere...even somewhat ruefully understanding of the situation.

A few days later, around 11 PM, I get a phone call from my neighbor wanting to know if I was aware that someone was towing my car. I was given no notice; no chance to get my personal property out of the car; no paperwork telling me who had it or where it was going; no information about how to get it back; no details on how to recover my personal property. All they left me was an empty space on the street in front of my house. The last I saw of the car was my handicapped sticker on the windshield disappearing down the street. I'm not even sure what I had in the trunk or back seat, although I do remember an LTC One cell phone in the console between the seats, sets of charger cables and a 20000mAh power pack charger for my cell.

WFDS had agreed to let me voluntarily turn my car in and I relied on that--or these things would never have been there. I'm certain I will never see any of them again...but this was WFDS' doing. Evil. Evil to the very end. So now I have a formal notice that WFDS has sold the car...and that I still owe them $3,000. Its called a deficiency balance. I will be filing for Chapter 7, so they will never see a dime of this and I have been telling them that from day 1 so that they would have a context for their decision making. They basically had several opportunities to avoid this...to recover their investment...and they decided, every single time, that the better decision was to stick their corporate finger in my eye rather than to be decent businesspeople.

The primary impact of this is that I am now effectively homebound. With my neurological disorder, I cant walk in snow and icy conditions which, in Massachusetts, can be more or less all the time in winter. Regardless of snow and ice, I can walk more than 100 or so feet anyway without falling over. I could at least get past this if I had another car...but it was hard enough trying to get financing for one of those even before WFDS had REPOSSESSED stamped on my credit report. Can't wait to get back to looking at that after the holidays.

All in all, Wells Fargo’s primary interest in its customers seems to be less focused on providing banking services to them and more on determining how to best exploit or damage them. If you have read this, I'm sure you can reach your own conclusion. Mine is simply this: If you want to avoid the possibility of being financially exploited or forced to do things that are no way in your best interests—even though there are win-win alternatives available—then there is no question in my mind that you should avoid doing business with Wells Fargo. At. All. Costs.

After I spent 2 days and about 200 miles of driving to a CarMax dealer and back, I called Wells Fargo and notified them of my intent. I spoke with a very rude and unsympathetic rep who told me that I was wrong and that they did not offer those services. She stated that I would have to pay the remainder of the loan difference (Which was $5,000) before I could sell the vehicle to Carmax and they wouldn't consider rolling the amount by into another loan. If I could afford to pay the $5,000, then why in the hell would I not just pay the amount of the late payments?!

So I told her I would just surrender the vehicle then and she very arrogantly stated it didn't work like that and I had to just wait for the repo agents to take the vehicle and either way it would show up as a repo on my credit and a voluntary surrender would not help me. Once I asked her for her name and employee number so I could speak with a credit attorney and see what they advise and also if what they are telling me is accurate.

At that point her entire tone changed and she told me that Wells Fargo is not in the business to take vehicles and that she is willing to try to help me any way she can. She then told me that they could do a hardship refinance for me and it would take a few days to review and approve it first. I asked her about the letter they sent me about the possible repo and that it would expire while they were reviewing the refinance and whether the vehicle would be repossessed in the meantime. That was when she told me to wait while she pulled up my account to look at it first!

I was in awe that I had been talking about this with them and they hadn't even looked at my account first! She then asked if I put be put on hold while they look into the account and review it to see if a hardship refinance would even be a possibility, she said the wait will be about 40 minutes! I told her I didnt have 40 minutes at this time and she told me that maybe I could call back when it was more convenient and important for me in a very snotty attitude! Horrible bank for options for a family that falls under temporary hard times. Very rude and unprofessional customer service.

Next, I find out that they bought auto insurance on my behalf because they were lacking proof of insurance according to them. I faxed this to them at least 5 times. My insurance company was the same one as when I bought the truck. The insurance was 3 times the cost of my insurance which I have the highest level of coverage on my own auto policies. I kept calling and faxing and could never remove this insurance. When I sold the truck I asked for my insurance money back...THOUSANDS of dollars. We disagreed on the figure but I settled to recover some of the money. Well I sold the truck over a year ago and today another refund check comes from them saying they owed me more money. I have to even wonder if the payoff figures were correct. Do not deal with this bank.