Wells Fargo Auto Loans

Again today, 2/15/23, I am being told it is processing and will take 3-4 business days. I had to demand this was unacceptable and be transferred to the office of President to get a 2 business day review. Mind you, even though Wells Fargo will not comply and send the letter of guarantee to State Farm they still expect my full payment on time. I have been forced to make my monthly payments in December, January, and most likely the February payment to keep my credit clear and I can not replace because I still have this outstanding loan and don't have a vehicle to trade since it was a total loss. I suggest you stay far away from Wells Fargo because they are only worried about getting their payments but won't help you with getting the loan paid off. I would rather pay a higher interest rate than ever finance anything with them again!!!

The attitude, consistently scripted response letters, and every "representative from the executive office" that I spoke with all had that "not my problem" approach. The initial customer service representatives were extremely pleasant, accepted responsibility and made me feel like I was a valued customer. I feel that this was also deceptive to linger hope to prevent the alternative litigation. Every time I pushed the issues, they treated it as a valid complaint, sent a letter, asked for more time to review, and closed it out the same way every time. A letter was sent saying the title was processed. The title wasn't the issue, me being able to register the truck in Mississippi was the problem.

After doing research I don’t understand how this bank is still in business. I hope no other sailors have to go through what I went through as I was deployed so my hands were pretty tied. I’m sure Covid only made things worse and they became desperate. I do not recommend this bank for military. They even refused to provide me 5% rate as per the service members act because I wasn’t a Wells Fargo member long enough which made absolutely no sense. Again the level of ignorance was mind blowing. I highly recommend USAA for active duty and veterans.

She flat out refused to work with me to give back my car even though I had proof it was paid off and everything. So now they are going to be taking my car to the auction to auction it off for whatever they can get out of it. I told her she would be hearing from my attorney for a major lawsuit. They don't care, they have being caught setting up false bank account to steal people's money plus numerous other lawsuits against them. It's all over the internet on how many times they are being sued and here comes them another one.

Original Review: I got an auto loan with Wells Fargo on Easley SC. For a 2018 Nissan Rogue. I purchased the car last January 2021. My cousin cosigned for me. She passed away in March 2022. I sent a cashier check for the full payoff. Then suddenly come May after my cousin had passed away. They started sending out past due letters to her address and calling me 5 times a day trying to say I was behind on payments. Even though my bank statement showed they got the money. I got the paperwork in saying paid in full. Her name removed from the loan.. They started saying they never received the money. Even though I faxed them proof.

Then night before last they had their recovery company sneak out and steal my car in the middle of the night. I have been on phone with them numerous departments trying to locate it so at least I can get my personal stuff and the car and I have being given the runaround and told to call back. Then when I went today to the recovery lot to get my car and personal items they wouldn't let me go in without them getting my FOB. When I explained to the woman the car is stolen she goes, "Not our problem. You deal with the bank. We only get what they sent us out after."

I explain to the rep my situation that I don't want this to impact my credit because I'm looking to buy a house this year and she stated that since I do not have any employment they do not have any payment assistance options for me and can't help. But after 90 days they will repossess my vehicle. Which made me even more upset and shot my anxiety through the roof. How is it the only time I have ever asked for some type of financial assistance I'm told, "There's nothing we can do." That's complete **. She then begins to ask again when am I going to have a payment in so she can at least document a promise to pay. I proceed to tell her again, "Ma'am I just explained to you my situation. How can I give you a date when I don't have one to provide." She then said, "Okay I'll submit a date to prevent any other collection calls to you."

Now we are here in July on the 22nd I made the last two months payments and the payment that's was about to become due. I requested to have the late fees assessed on the account waived because again financial hardship. The collections again asks me how did I obtain the funds to be able to make my payments. I said, "Sir, all you need to know is. I'm making all 3 payments today online as soon as the charges are waived. There is no need for you to know how I acquired the funds to make the payment. Y'all are getting your money. That all you need to know." He proceeds to say, "We need to know for our records to prevent any other delinquencies." I then again rephrased what I just said and ask for him to complete the request I called in about today. He then states that he can waive one fee as a courtesy. I said, "Sir, the fee wouldn't be a courtesy waiver. It will be a financial hardship waiver."

Side note to all of this I used to work for Wells Fargo 3 years ago so I'm familiar with their policies & procedures. The late fee waiver request had to be escalated to their corporate office. She calls me today and she says, "I see you have a long standing good payment history with us and was able to waive the fees but in the future we can't waive anymore." I said, "Ma'am, fine. Again the one time I ever ask for assistance this is how the company treats me. Okay great."

I explained to her that I received a late payment mark on my credit which I was trying really had to prevent which is why I asked for payment assistance in the beginning. She then goes on to say, "Well we don't do courtesy waivers but I can submit a request for review." Here we go again. I never asked for any courtesy waivers. I expressed that I was experiencing a financial hardship. She then says, "Well that's our policies. I'll submit a request for further review." I said, "Okay ma'am, That's fine." I say all of this to advise any & everyone to NEVER do business with Wells Fargo. Trust me as soon as I acquire the funds to pay off my auto loan in full. You will never have to worry about getting any business from me again since you guys give zero ** about your customers.

I even read 18 USC 287 and she said, "If you are not an attorney you can't quote the law." I asked her to read that law to me and give me the statute and she couldn't. She then hung up on me when I let her know that Wells Fargo is receiving KICKBACK from the FRAUD by my ex wife, and her attorney to not reveal the FRAUDULENT activity.