Wells Fargo Auto Loans

The first time this happened they stated we owed $1900 and had 24 hours to pay, So yep we paid it. That money was never posted to our auto loan. 2nd time it happened same two individuals. This time they stated $980. Gave us 12 hours to pay...So yep sent it again after borrowing from family. That was never posted to our auto loan account either...Mind you this was only an $8000 dollar car loan to begin with people. 3rd time it was Forced Placed Insurance. They tacked on $1200.00 to loan for 6 month ins. Policy raising our monthly car payment by $200 a month. They did this for 3 years straight and yes I had my own personal full coverage on this vehicle the entire duration of the loan. They reported us 30 days late to credit bureaus 21 times. Destroyed our credit and laughed about it, taunting us on the phone. Then I find out a year later a Fake account was opened in my name.

Fast forward to 2014 we go to trade that vehicle in get something newer. The damn dealership never informed us we didn't actually get "Approved" for a loan until after we signed papers and had already traded our vehicle in and took new one home. 2 days later we get a call from dealership stating no bank would finance us. Wonder why...oh, right the FALSE 21-30 day late on our credit report. Ok, so dealership calls back stating they have sent all papers to our Previous Auto Loan Carrier...None other than Wells Fargo Dealer Services. "They picked up the loan" the dealership says. Oh, Great. Not wanting to return our new vehicle I accepted it. Big damn mistake.

To date we have been hit with 25-30 Day lates on our credit reports. I said, "WTF. No way." I made online account, went in and we currently have $1400 in LATE FEES. This $1400 has been tacked onto payoff on our vehicle. So I pull entire Payment history starting with first month of new loan also gathering all my bank statements & Western Union payments. It took days of working on this but I found the issue... We made 2 payments back to back in November 2015 only the bank payment shows. The Western Union payment was NEVER posted. So I immediately call Wells Fargo Dealer Services. I explained everything. They say we need the Western Union receipt faxed.

I immediately went down to local store & faxed it. They opened a case with "Payment Research Center". That was almost 4 weeks ago. So far I have faxed this damn receipt 4 times. I have also scanned/emailed it. I have went through numerous departments and 2 supervisors. The last Supervisor agreed. He can see the problem but couldn't fix it.

I finally emailed & stated I am looking for an attorney to audit my auto account with them. Ok, I get IMMEDIATE response stating this has been referred to "Office of The WFDS President" Great. Awesome. I received 1 phone call now from that office. The woman basically tells me I need the receipt. "Great because I emailed it to your office 24 hours ago." "Well, I don't have it. I will look for it I guess." I mean What? I said, "Look...The payments were made on this car every single month like clockwork for the past 5 Years. Not only did I not get 1 single point of credit for it...we have 25- 30 day lates showing on credit report and $1400 tacked on to payoff on my loan in Late Fees." She has the damn nerve to say to me, "Even IF we fix it we will only fix credit report for anything After the error."

I cannot tell you how I held my composure. We have had money outright STOLEN from us and split between 2 crooked collection reps, I have had a fake account opened in my name, we endured & paid 3 Years of Forced placed Insurance despite having full coverage of our own on the vehicle, they have desecrated, destroyed & ripped apart our credit, tacked on $1400 in FALSE LATE FEES, and hit our credit reports with 25- FALSE 30 day lates. Our 1st auto loan with these crooks was 29.9% Interest. The 2nd auto loan with these crooks 14.2% Interest. Now here we sit at 40 years old, can't buy a home due to our credit, can't get financed for a new auto loan due to our credit. It has literally destroyed our lives. We are unable to get financed for anything due to this company and their crooked thieving business practices.

I am telling you people. If you don't think this can happen to you...Finance with this crooked company & just wait. They have gotten away with this for many, many years...That November 2015 Western Union payment I have cold hard PROOF of. I have waited 4 weeks for my account to be Fixed & our Credit to be fixed. They have done Nothing, Zilch, Nada. They have the PROOF as well yet are basically refusing to correct it. We are looking for an attorney to put a lawsuit against them. They have literally destroyed our lives. We cannot put a price on that.

My last name changed and I sent them paperwork and they refused to change the last name so now when they call me they asking for the wrong last name. I'm not going to send in my personal documents again because Wells Fargo incompetent. I get a call at 8am and then at 2pm. That's not a courtesy call stupid. ** harassment. Now I have to black Wells Fargo because of the harassment calls. In the beginning they were cool but the minute I missed one damn payment, Wells Fargo feels the need to harassment for payment. WELLS FARGO YOU ARE SOME ** AND I'M BLOCKING YOUR NUMBER. GTFOH.

Paying via the site is pretty painless, and seems very intuitive. The problem is basically you need CS for ANY problem via the site. I was stuck with Wells Fargo (whom I loathe from student loans) via Carmax's own banking program. Add their sketchy business practices of late with adding credit cards to account holders w/o their knowledge or consent - and I would rather not deal with them. Corporate America - hello end user.