Wells Fargo Auto Loans Reviews

I called the branch and no longer is there and Allysa ** covering for me would follow up with me in another week. The teller at the branch said they are two separate entities and they don’t have anything to do with their own affiliate. These people are crooks and should be shut down. They already have been associated with fraudulent opening fake accounts for their own benefit. I will take this to the highest level to make them pay for stealing money from their own customers! Do not use this bank for anything! Avoid at all cost!!!

So she patched me through to Josiah who informed me that I would have to wait 7 days to make sure my funds cleared or I could email a copy of my bank statement showing it has cleared. Ann had already told me my account was paid and satisfied in full and closed early If I may add! I requested to speak with a supervisor and Josiah put me on hold. No one ever came on the line so after 20 min I hung up. This is not good customer service. All I need is a lien release so my daughter can put her vehicle in her name. We have the title and we have signed it over our daughter. This will is the last loan we will use Wells Fargo Dealer Service for! They refuse to release lien for 7-10 days even though the account has been paid in full.

This is my first auto loan with Wells Fargo. I did my first month's payment online in March of 2018 and paid a little more, thinking the extra would automatically be applied towards principal. My very first car I bought in 2012 was with a different loan company, and any extras I made on the payment online went directly to principal. So of course, I thought the same for Wells Fargo. WRONG!

After my payment posted, I notice that there was a payment variance. I had no idea what a payment variance was, so I called customer service. The agent had no idea either, so she put me on hold and consulted with her supervisor. She got back to me and explained that it was because I paid more on my monthly. That's why there's a payment variance. OK, so I paid the next month's bill, and that payment variance is still sitting in the account, so I called customer service again. This time I got a different response from a different agent. She explained that the payment variance does not get applied to the principal, and it pretty much just sits there until I put in a customer request to apply it to the principal.

Early on from there, I figured it would be too inconvenient to have to call an agent each time I wanted to make a one time monthly payment online and apply the extra towards principal, so I opted for ALP. I did the autopay until it no longer fit my situation; I went back to doing the one time payment online and call an agent each time to apply the extra payment toward principal only.

Now the real issue. Once I canceled the ALP, and started with the one time payment again, I trusted that the agents had entered my request correctly each time I called. I was very clear and concise about my request. To my surprise when logging in to check my payment history months later, many of the requests were processed as the regular monthly payment. The agent did not put in the request to apply the extra to principal, or the request entered by the agent was not clear so it got rejected by the receiving department. Due to the negligence, my payment variance got bigger and bigger, pushing out my due date further as advanced payment, interest accrued while I thought my principal balance was lowering. WRONG!

I caught on to this in the middle of 2019. I was very upset so I called customer service and spoke to many agents; each one telling me different things! Some not very competent, some great but it doesn't change the fact that I had to pay the daily interest on months that pushed out my due date. Getting transferred to an escalation team is of no use because I was put on hold for a VERY LONG time, so I had to hang up. No one responds to the emails either. I've sent multiple emails each time, but no response until I wrote a review online and Diane **, Exec Office Case Specialist finally reached out to me in 11/2019.

Since that conversation, I stopped making a one time payment with extra to go towards principal. It sort of forced me to just make my regular payment even if I really wanted to put extra towards principal. I didn't want to come across incompetent agents who can't process my request correctly. However, after two regular payments online and not being able to have that option to request extra towards principal without having to call an agent, I've decided to give it another try this year, and called an agent to make a payment.

On 1/24/20, I called customer service and was very clear to the lady that I wanted to apply a specific amount towards principal only. She asks if I had access to a computer and I said I'm on the payment page. She told me to go ahead and submit in the amount as a one time payment and she'll put the request in as principal only payment. Due to my bad experiences in the past, I was very concise with her and was assured the amount will all go towards principal.

Next day, 1/25/20, I logged in and payment had posted. It was processed as a regular payment, with a good amount as payment variance pushing my due date out as advanced payment! Not what I had requested! I had to call another agent (Monica) this morning to see what's going on and explained what I've been having to deal with. She checked and the previous agent never put in the request! This is what I have been dealing with! Monica said she will put in the request and it should be processed in 3-5 business days. These are the same answers I've been dealing with for the last year and having to make inconvenient repetitive phone calls.

Wells Fargo does not acknowledge that it's their fault or even investigate into it. When I was going through this consistently last year, I even emailed them and ask them to listen to their recordings because my requests are clear and concise. I wouldn't have to pay the unnecessary interest had their agents do their job correctly, or had they investigate into my requests and made adjustments accordingly to the original request date.

Thought I give them a second chance at this type of service this year to make things right, but it will never change. I'm going through the same headache with it! I guess I'm not the only person going through this because I just read other very similar reviews! Looks like Wells Fargo Auto will be moving to Wellsfargo.com soon. Hopefully there will be better options for making one time online payment that includes optional principal payment, and not just through ALP. Customers wouldn't have to deal with incompetent agents to put in their request that doesn't get processed anyway.

And if Wellsfargo decides not to have such option, at least have some sort of chat agent online so that there will at least be a transcript confirming the request. Customers receive no confirmation to over the phone requests entered by the agents, whether or not their requests are being processed or not! Do a better job Wells Fargo!

I have spent hours on the phone trying to get them to apply the extra payments to the principal and they continue to apply the payments correctly. While the customer service staff are courteous they don't seem to know what they are doing or worse yet following the corporate rules and misapplying funds to interest payment to improve Wells Fargo's bottom line. You can never seem to reach a supervisor by phone. I am currently on hold now for over 30 minutes for one and this is the norm. My recommendation is to never get a loan with this company as I have never had such a difficult time with any other lender.

Then the harassing phone calls began asking when I would make a payment on my loan! Wow! You had my vehicle for almost three weeks and then you have the nerve to tell me that the check was something nice they were doing for me then to turn around and continue calling me about a payment? Horrible! I don’t want this loan and I am telling everyone including the media about their horrible customer service and to NOT finance through Wells Fargo!

Here we are 6 months later and I still have yet to receive it. I spent 2 hours on the phone today to get through I was transferred through 6 people. Then when I finally got through to the CPI plan department at 4:56 a gentleman answered and I warned him I would need a manager for this. That he doesn’t deserve to hear me out in this heated moment. I am a manager myself and this is a job of a manager. He thanked me and put me on hold, he came back and his supervisor today 9/20/19 at 5:02pm pacific time in the CPI plan department refused to take the call. I was in shock. I had been through 6 people and sat on the phone for two hours to be told it’s 2 minutes after hours and she didn’t have time right now.

I went off and demanded to speak to a manager and get her name. She continued to refuse to this gentleman Ethan to speak to me or give me her name. Ethan then came back on the line and apologized repeatedly and said, "Ma’am I understand you want a manager but no one is here and I hear your frustration. Can you give me a chance to just take a look?" At this point I have no trust in anyone, but I gave him the benefit of the doubt this front line gentleman (Ethan) that worked after hours to handle me as a customer even though his own manager declined to stay after, he did! This was unbelievable. He then was able to find out a check was never even sent to be queued after speaking to 3 different people over the last 6 months assuring this was done.

And one of the three times they explained I have another check that is owed to me and that they will get this out as well this small check that was just brought to my attention came a week ago but the big check that I have been battling still to this day hasn’t come which is what sent me through the roof to call today. So with that being said he found out it had never been queued even when the other was queued and sent. Just a mess!

But I am still in shock enough to find a place to write a review and I never review places but this was over the top. I can’t believe a normal staff member took this much time to help me and prior supervisors never did their job and this supervisor today was more worried about running out at 5:02 and making her staff stay than helping a very upset customer but Ethan held his cool and professionalism and helped me from start to the end. He should be the CEO of Wells Fargo in how he handled me. Never should a front line employee be expected to do this while his manager walked out on me as a customer and him for support.

All I can say is I hope someone important reads this and Ethan is given appreciation for his hard work representing Wells Fargo while your own managers don’t care at all about customers or their staff. I hope this helps anyone curious about Wells Fargo I will never do any further business with them and my family as well is looking into changing banks and they have been loyal for 50 plus years. Good luck to all!

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.

The guy on the phone was rude, short, and 100% not helpful. He tells me that the CASHIER'S check was mailed back to me, but didn't know why? Oh, and this loan is accruing interest every single day that I also will have to pay. So now I am going to have to pay to send this Bank Issued Cashier's Check overnight again, and no one has a clue what is going on. I also tried calling Wells Fargo Dealer Services for many days and was on hold for over 30 minutes each time and one time, it just disconnected. They need some help with customer service and actually knowing what is going on. I am beyond frustrated right now. My vehicle is gone, I have a huge Cashier's check made out to the Bank that they won't accept, and I am still paying the monthly payment plus daily interest!!

Despite giving them an updated address to which they said they were to overnight mail the title as the mistake was on their end, they failed to have the correct address 10 days later when I called a second time to find out where my title is. I have used a few different loan services over the years and Wells Fargo is by far the worst. I wish I had refinance this loan with another company right away initially. Furthermore the amount that my records show I paid vs the amount they said I paid have discrepancies (ie, I appear to have been overcharged).

Process on the first day went smoothly. Got a call the 2nd day that the seller was given too much money so I had to go back to give back close to $500 which of course is delaying the process again as the bank is not close to me and it is the weekend. So 2 days later I go back and return extra funds that they shouldn't have given in the 1st place. A few days later I call my loan representative for an update and he asks if no one calls me. Apparently the seller didn't fill out a few documents correctly and they didn't review them at the time and they have no contact information for him. I call the bank and of course it's true. Again a screw up on their part. They got his contact number but the rep that had it is not at work and they can't get in his desk and I no longer had it. So this goes on for another week.

The rep comes back and says he is trying to contact the seller. I get in contact with the seller as I found his number and call him. He says they did speak and they no longer need him. No one calls me to tell me this. I call a day later and it's confirmed so they then tell me it's no longer in the branch's hands I have to deal with the phone reps. Phone reps tell me they have to send my title to DMV and they take care of registration so the clock starts again at 5 to 10 tens to receive my title.

I call a week later for an update and I am told that because of state rules they cannot title my car. I have to do it myself so they will send it to me asap in 3 days. 3 days comes again I call back to get the same answer. I call back 2 days later to rep telling me that the dealer is slow sometimes..wait..I didn't use a dealer.... She didn't even fully read the notes regarding my account before she is telling me information that does not apply to me and again I am waiting just to simply receive my title to my car that has been sitting in my garage since April 2nd and it is now May 22nd. Worst experience ever and I advice all to stay away.

What kind of business model is this Wells Fargo? As a seller, I look like a sleazy con artist trying to get someone to pay off my car then drive off with it. When I explain this whole process to potential buyers it scares them off because who wants to deal with this? Honestly, I wouldn't want to deal with it as a buyer. Now I have to suffer as the seller. But of course, Wells Fargo wants to make it difficult for me to pay off my loan in because then they aren't making 85 cents a day off of me anymore. Well lesson learned Wells Fargo, I will never take a loan out with you or any other large bank again.

The letter indicated that if the car was not picked up by 26th of November 2018 they would sell the car in an auction to receive their impound fees. As soon as I was aware of the car having been impounded and the content of the letter with the deadline date, I contacted the KTL auto storage to arrange to pay the negotiated fees and have my daughter pick up her car. They informed me that Wells Fargo had already picked up the vehicle on November 8th, 2018, that is 18 days prior to the deadline! I clearly acted within the proper and allocated window prior to the date given by the KTL Auto Storage to have the car released back to my daughter however Wells Fargo had already taken the car in their possession in order to repossess the vehicle.

Later on when I contacted Wells Fargo dealer services, I was told they repossessed the car because the payments were delinquent. I informed them that during the past 4 years I have never been delinquent, not even once. I was told they would look into this matter and contact me back. They called back in few days and confirmed that payments have not been late and didn’t know why the car was picked up by Wells Fargo and stated there must have been a mistake! I tried several times contacting Wells Fargo Dealer Services back with no luck after their response call and finally asked them to get me in touch with the office of the president.

As you may read in the attached letter from Wells Fargo-Office of the President, the letter indicates that the car was impounded because of unauthorized parking however in the next paragraph they indicated “they understand that our customers go through difficult financial periods for many reasons”! It is very obvious that this was not a car abandonment due to any financial issue. The Wells Fargo letter is specific in its findings that the car was impounded due to unauthorized parking as indicated by the KTL auto storage. If Wells Fargo decided to repossess the vehicle because they thought I had financial difficulty, they were absolutely wrong. In fact they admitted I was never late in making the payments.

Wells Fargo has now added additional repossession fees to my account and have sold the car for the fraction of the car’s value and demanding a deficiency balance from me. It is clear that Wells Fargo had no authorization to pick up the car from the storage facility to repossess the vehicle due to unauthorized parking. I received no prior communication from Wells Fargo by phone, email or a letter notifying me of their intent to repossess the car. They could have easily contacted me to find out about my intentions in picking up the car but chose not to do so because this was not in their best interest. After almost 4 years of making on-time payments, majority of the interest on the loan if not all must had been paid and I would have not allowed this car to be repossessed for any reason.

I truly believe that Wells Fargo Dealer Services has been unfair, misleading and discriminated against me in lending practices and has violated a federal consumer protection law and regulation. This is clearly an unjust Repossession bank practice. As you are aware OCC Assessed $500 Million Penalty against Wells Fargo, for Unsafe or Unsound Practices on 4/20/2018. This case is a clearly an example of Wells Fargo unwarranted and unsound practices. I understand Wells Fargo Auto is a division of Wells Fargo Bank, N.A.

Around mid 2013, I was having a (brief) financial problem and the woman I was talking to asked me why I bought a car I couldn't afford. I answered back that I could @ the time and I was in between jobs when I called. She responded with "clearly you can't" in the snottiest tone. Another time a woman told me to quit smoking and quit buying pantyhose. Huh?! Pantyhose?! Where'd THAT come from?! I told her I don't smoke nor do I wear pantyhose on a regular basis. One pair will last me for years. It was usually the women that were the worst. I asked another woman if she had an extra big bowl of b____ for breakfast. She hung up on me. ???? That's OK, I got Allen when I called back immediately afterwards.

I don't know if being rude and condescending is part of the orientation process for new hires but everyone I talked to that made me feel like a piece of crap must've passed that class with flying colors. I paid my car off last month. I did it online and attached an email. The last line of my email said that if WFDS was the only outfit that would finance a vehicle I'd walk or take public transportation first. And I mean it.

When I became homeless and needed to work out payments with them their csr said, "Well if you are homeless you should have no problem paying your payment." they are horrible, have no compassion and do not work with the customer. I offered them a pay off of half the amount owed and they refused. They took the car at 3000 owed and added it to my credit repost with derogatory comments showing different amounts owed from 3000 to 1200. They are a joke and they will screw up your credit in a big way! DO NOT GO TO THEM FOR A LOAN IF YOU'RE SMART. They are crooked and your loan amount if you add up all you have paid will show different in their favor. SOMEONE IS POCKETING A FEW 100 DOLLARS. BEWARE!

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.

I have never had this problem before and I'm 51 years old and purchased multiple vehicles over my life. Wells Fargo Dealer Services is the worst finance company I have ever dealt with by a long shot. I never write reviews but I had to warn people and maybe save someone else from financing with this company. I personally will never do business with Wells Fargo Dealer Services again. Total scam from the beginning with rude and bullying employees.

Now, I got some damages done to my vehicle by Hurricane Irma, I got a check from the insurance company in both my name and the lean holder. I would assume I would send it to them, they would endorse it, and send me back a check in my name so I can pay for the damages. But no, they want me to send them the check but won't send me one back... I was given the runaround, passed around like a hot potatoes. This people are con artist, I think it's a requirement in order to work for them, must be saddy characters.

Yesterday at 9:30 pm a repo company showed up at our door to take possession of our car. No notice was given that the car was to be repossessed. No callbacks from Wells Fargo. No assistance whatsoever. Will probably end up on the phone all day trying to sort this out and hopefully, will not have my car taken. We paid $17000 for this car brand new and after paying for almost 4 years, we still owe $11000. I haven't figured that one out yet! Avoid using this fraudulent company at all costs!!!

When talking to agent and told him this was unacceptable and that this doesn't speak well of them and told them my son was a police officer he said he would take it back to his supervisor and call back by 4:00 that day. Crickets... We emailed asking for supervisors contact info. Nothing. I am appalled at their lack of first responder support, customer loyalty and plain ol' common courtesy. We went to Chase, got it done in literally 20 minutes with a much lower interest rate! We will more than likely be moving ALL of our accounts out of Wells Fargo.

On July 25, 2016, we contacted WFDS and informed them of the mistake and asked that the loan be reversed to correct their mistake. They asked for a letter to be sent to them explaining the situation and when we asked if a case number could be assigned to our situatio4n, they declined. At that time, we asked if they were going to return everything to the original loan number, dates, etc. They assured us that it would be returned to its original designation. We asked if we could still submit payments during the "correction phase" so the account would remain current, but they stated that the account was still officially "closed" and payment could not be applied to our loan until the account was reopened.

They also declined to remove the total amount due on the account from the refund check prior to releasing the refund but no explanation was given. We also asked if late charges would be charged or if they would report it to the credit agency since it might appear that the account would be in arrears. We were told that no late charges would be applied and they would not, under any means, report the account as being late or in arrears to the credit agencies. We made regular inquiries to WFDS, was very concerned that it was taking so long to correct the error, with no valid explanation. We were told by Katie, that it was taking a long time because the title processing through the State of Wisconsin Department of Motor Vehicles was taking longer than usual.

Months later the error was corrected and we received the refund check. We did not receive any type of payment due bill with the refund check. The next day we received two notices from WFDS in the mail asking for the "late" payments and when we got home from checking the mail, we received a phone call from the WFDS collections department asking where their money was and how did we intend on paying the amount in arrears. We spoke with Eli and asked him to review our file and see if he could tell us anything from what he was looking at. We asked if there was any annotations on our file explaining why payments hadn't been made, new loan origination date, etc.

Eli stated that there was nothing definitive in my file, no late notices, phone calls, previous collection letters - for three months. Eli stated that if there had been issues, there would certainly be some type of information in our file stating that. Since there was nothing, there was enough evidence to have this account directed to a supervisor to handle as it didn't fall under the usual collection procedures. He agreed that it should have been handled differently. During this phone call, we made the entire payment due electronically and gave Eli the bank confirmation number. We asked Eli if they had reported our account as being late to the credit bureaus. He didn't know so we asked that he check into it and have his supervisor get back to us.

Kip, the supervisor of the collections department called us back and let us know that yes, WFDS had reported our account to be in arrears to TransUnion, Equifax and Experian. We asked why this was done when we were told by two different employees that they would in no terms report us as being late as we have never been late and the account wouldn't be late at that time. Kip was not able to answer our question. We instructed Kip to send out a correction letter immediately and asked that the information be totally eradicated from our file. No trace, as they had promised to not send out a report and the correction takes weeks to process and that it can have an effect not only on our financial records but our hireability as well. We do not want any ramifications on our credit file or credit score to reflect their mistake.

We asked that a follow-up letter be sent to us in reference to this situation and Kip refused. Kip said, "'Just call me if you have any problems in the future and I will take care of it". We asked him if he could tell if there was anything in the system that showed why it took so long to process the correction and fix our account and he said from what he could see "It looks like it was something to do with the title'".

On October 21, 2016, we received a letter in the mail from WFDS. The letter stated that they had sent all of our personal information/original title, etc., to an individual we do not know. We assume he is a customer of WFDS and another mistake was made. The letter asks Mr. ** to return all the documents to WFDS. WFDS did not inform us of this until after the entire transaction was complete. Had we known about it, we would not have stayed in business with them, would not have signed the check or deposit it in our account. Every time we have tried to discuss this situation with WFDS, they refuse to talk about it. They refuse to give me any copies or information in order for us to protect ourselves against identity theft, etc. We asked that WFDS provide identity theft protection for my husband and myself. They refused. We asked for follow-up documentation for the complaint we filed, their "investigation" findings, etc., they also refused.

At that point in time, we were done. We contacted WFDS and asked to file a formal complaint. We spoke with Marna and asked that she record the entire conversation as she was taking a formal statement and it would avoid wasting time explaining the long story to someone new every time we have contact in reference to this situation. We have already wasted so much time supervising WFDS and making sure that we followed up on all their actions. A case number was finally assigned to the complaint, although it has not helped in any way whatsoever.

Marna promised to contact us in one week to update us on what she could find and she never called us back. We subsequently called the WFDS president's office to inquire to the disposition of the complaint. Months transpired with every excuse under the sun. We filed complaints with other agencies within the government to ensure our personal information, credit information identities, etc., were and are being protected as well as can be expected.

On March 29, 2017, we contacted WFDS and was told that a case manager had been assigned to our case. We called every week to check in and inquire as to the complaint's status, to no avail. WFDS said that Travis was my case manager. We left three voicemails on Travis' phone but received no call back from him. We called back again and was told that our case was closed, so we filed a second complaint in reference to the first complaint. Not only had no one contacted us to tell us that a case manager had been assigned to our complaint. They also did not contact us for any information or details about the complaint, but closed it and refused to give follow-up documentation to their internal investigation.

On April 6, 2017, Shaniqua called us and told us that, oops they made a mistake, no they will not pay to have our identities protected, no they will not do anything else to ensure that this doesn't happen again and they feel that sending the correction letter the credit bureau is all they are responsible to do. Again, we asked for documentation from them in reference to the investigation and they refused to give us anything.

The copy of the letter from WFDS that we did receive as a response to a complaint we filed with the Consumer Financial Protection Bureau, case number **, is false. It reads as though they sent out the letter to us immediately telling us of their error sending our paperwork and personal info to a stranger. We did not receive the letter until after everything was reversed and the check deposited. Also, they did not send out a request for correction to the credit agencies until we told them to do so. We called the phone number at the end of the letter and asked to speak with Laura ** and was given her voice mail and left several messages to which none were returned.

We received a letter from Cederic **, WFDSPO, he declined to inform his bosses that when he approached them with a resolution that he misinformed them and told them we were asking for identity theft protection, negation of the loan and $10k. We knew at the end of the conversation he would get it wrong, again. We asked that they either negate the loan ($3k) or provide identity theft protection for five years for my self and my husband with a company of our choosing. That was all. He closed the complaint and told us to start from scratch. We filed the third complaint with Elena. They have surpassed all of their suspense dates and times and when we asked to have a hearing that they informed us we could have in reference to voluntary surrender of our vehicle (NOT a financial surrender). They refuse to do that and told us if we want the hearing to do it ourselves.

They did threaten to put negative information on our credit file and seek court proceedings to repay them what would be left on the loan after the vehicle is auctioned. We asked how they knew what would happen as a result of the hearing when they stated they have no history of anyone requesting a voluntary surrender under our circumstances they refuse to answer any questions and threaten us with closing the third complaint.

We spoke with Kip **. WFDS Collections Manager and informed him that we are considering the voluntary surrender of our vehicle because of the horrendous treatment we have suffered by their hands and that we do not have any desire to stay in business with them. Kip directed us back to the WFDSPO to file the voluntary surrender. WFDSPO directed us back to Kip and he stated that we are not allowed a hearing for voluntary surrender, only repossession for default on the loan. We discussed the prerequisites necessary in order for WFDS to start the process of repossession and he stated that he could change their rules and guidelines to whatever he thought best and he stated he has no intention whatsoever of repossessing our vehicle.

He will not afford us the right to a hearing prior to the repossession (even though their documentation states that we are allowed, by law, a hearing to understand what our rights are; WFDS/Mr. ** provided this document to us), he will only send information to the credit bureaus that we are late and refused to send follow-up documentation that outlined his statements. We continue to ask what WFDS has done for us as a customer, no response. We ask every employee that we have dealt with and receive the same response silence.

We have their correspondence, logs of all phone calls, dates, times, etc. They are giving false information to government agencies, accusing other government agencies for being at fault, mail fraud, wire fraud, truth in lending, false credit reporting, private information leak, strong arm delay tactics, threats to manipulate our decision making, adding extortion information into our account files, refuse to provide copies of documents that have been requested more than once and months ago; the list goes on and on.

Since my due date is already close to the end of the month, that would put the new due date to occur near the BEGINNING of the month - I explained to them how that would not help me, since I have my house payment and beginning of the month bills due at that time. I also asked if I switched my current due date, could I call sometime down the line to switch it again, hoping for some flexibility, but no... that too, apparently doesn't exist in the WFDS universe, because once you switch your due date, THAT'S IT, there's no going back, and no switching it to a different date ever again!

Not really understanding how ANY of this is supposed to help a customer out if they have a monetary emergency. Legal expenses aren't something that can be budgeted for, if you don't know how much you're going to need up front! Sure, you could put aside some cash in an emergency fund, but really - in today's economy, who has a nest-egg already saved up with tens of thousands of dollars just sitting there for something like that? Not your average consumer. It's pretty sad, too - because this is the SECOND time I've had WFDS as my auto loan servicer. So I've been with them for awhile. The only positive thing I can say about any of this is at least I have the option to go into a WF bank to make my auto loan payment and they can do it right then and there - albeit with a bit of hassle.

I have stayed in touch with them to let them know what was going on. They are always rude! They ask you to verify your personal information over and over. All of which I keep updated on the WFDS website. I would not recommend doing any business with a company such as Wells Fargo Dealer Services or Wells Fargo in general. I never will again. Can't wait til I can refinance with a reputable company.

The customer service representative on the other end gave me attitude and hung up on me. This got me so mad. Why is it the bank is never at fault. Oh and the funny thing is everything call and conversation is recorded so I'm not sure why they said we never contacted them back about the loan when we did. Now collections wants 1637.00 today and 2000+ tomorrow if we can't pay today. And in August it will be sold in an auction. I hope they close them down, they have no business doing business.

Dear Wells Fargo Dealer services, thank you for being the biggest pain in our arse that we have committed to so far. I put my faith in this company to take care of me and my family. Due to your negligence, me and my 11 month old were left without a vehicle, we were penalized and that should never have happened, and would have not happened if it had not been for your negligence. I will not be dealing with the customer service for this company for any further inquiries, as it seems that they have hired some half-wit robot monkeys to work in place of knowledgeable and trust-able employees. Seems rather ridiculous to be such a large bank and care so little of the people who support them.

And the office of the President calls me and still tells me they can't help me. Well don't bother calling me wasting my time and pissing me off more then! And I made it clear to put in their records to not be calling me on a daily basis saying my payment is late when I called these idiots asking for a deferred payment for ONE month when my account has been in good standing for well over a year since I got the loan. Thanks for nothing Wells Fargo. I hope none of you idiots ever have a hardship!

While all this is happening it is affecting my credit. This loan didn't get satisfied until 6 months later and now I have a negative impact on my credit saying that I was a 120 days late and that the balance on my auto loan is a charge off and I have never been late until this incident. I will never do business with Wells Fargo and future toward I will make sure that whomever I speak with friends, family, acquaintance that this is a bank you don't want to deal with because of my bad experience. They are very unprofessional and thumbs down.

Well they never held up the payment arrangement and the day we got back from Vacation my car was picked up. It still had all our stuff in it! I made the payment in full through MoneyGram and called them like I was suppose to. They verified the payment and sent a letter of release to the repo man. They told me that it could take up to 4 hours to go through. Well it's been 2 days and they still haven't gotten it. When I call Wells Fargo they just tell me that it has been sent.

The only suggestion that they were able to provide was to apply for a refi again once more of the principal had been paid. In April, I began receiving calls from WFDS about my April’s payment. I was informed that I owed a balance of $59 for April from a monthly payment of $335.76. From this call forward this is where the dishonesty, run around, red tape and lack of accountability that I began to receive from WFDS.

I received another call about the $59 payment at which time I had the same type of discussion with this representative as I had before with other WFDS representatives. This representative informed me about the available options for those that are experiencing financial hardship: apply for a hardship refi (different from a regular refi) or apply for a deferment. I had began this process early May and until now, I am still trying to get things resolved with them. It is unfortunate that Wells Fargo can continue to be an unethical, unaccountable and unscrupulous company and get away with it. This is why I have closed my accounts with them before they do something else to only get their hands slapped. More details available if needed.

My blame in this whole situation was I didn't do my homework on the value of the purchase before I sign the papers and trusting Gurley Leep since I had got several car from them. At the time of this deal, I was on a lot of medications due to excessive pain and I didn't know I was overcharged on the vehicle until I tried to refinance.

After several days, they got back to me indicating the party claims that the chip was already there and when I picked up the vehicle I immediately went to that window to point out the chip, which is a false claim. The vehicle was shown to me passenger side first. Then I walked around to the driver's side of the vehicle. Wells Fargo said that they were sent pictures of the vehicle along with their statement of me immediately pointing out the chip. The person that was witness to me inspecting the vehicle was right there with me and we discussed the chip after I pointed it out. It was not on their inspection report.

When I ask Wells Fargo if I could get a copy of the pictures and their statement, they told me I would need a subpoena in order to acquire those documents. Of course they know that acquiring a subpoena would cost just as much as the window replacement, so they know I am not going to go get one. It's easier for them not to pay for the damage.

So, basically they broke my window and are leaving me with the bill. There should be some law against this type of crap! But we all know the laws that are in place are there to benefit them and not consumers. If you are doing research on auto loans, do not go with Wells Fargo. Their customer service is lacking, they will try to screw you (if given the opportunity) and there is no communication between them and the customer. Beware.

I questioned this instruction as it is illegal to discuss a clients account with anyone other than the client. I was again told the dealership had to call them. I immediately called the dealership and spoke to the GM explaining what WFDS instructed me to do. He advised that WFDS had received the check on March 16, 2017, that someone by the name of "FRENCH" signed for it and that he would do as I was asking. He later contacted me and advised that it should be taken care of.

A few days later I called to make sure and was told no, that I needed to make a payment to them immediately and "if" the check ever does come in then they would send me a refund on the payment. WFDS also noted that I because of the late payment I had been charged late fees and confirmed that if payment was not received it would also be reported on my credit report as a late pay. I had started reading reviews and social media posts about how WFDS is notorious for requiring customers to make payments in cases such as this but NEVER refunding the overpayment so opted to not allow them any extra money.

Another day or two later (over the weekend), I received another call/recording stating payment was due and to call back immediately. On the morning of Monday, April 3, I called and spoke with a rep and a manager. The manager, Lisa, advised that there are notes on my account that payment is being investigated and that I should not receive any more calls. Early that afternoon, I received a phone call from the GM at the dealership where I purchased my car advising that he received the check back in the mail with a letter stating I do not have an account with them (Wells Fargo Dealer Services). He asked me what I would like him to do. I told him I would call WFDS and call him back.

When I called back, the manager/supervisor I had spoke to earlier was not available so the rep sent her an email with the details and my cell phone number to call me back immediately. Lisa called me back and then told me that if the check had no information on it then it would be sent back. The GM had already confirmed that my information/account number was on the front. As she was not being any help, I asked for someone over her head at which she transferred me to someone in the "complaint department". I again explained the entire ordeal to the woman. The woman put me on hold then came back and told me it takes 7-10 business days to resolve issues in their department so she is unable to assist me based on the timing and offered to transfer to me yet someone else.

She further argued with me stating that they would NEVER have a dealership call as they cannot discuss my account with anyone. I pointed out that I knew that and argued that same thing when their rep told me it had to be done and that the GM actually did call and talk to someone. She was not listening to anything I was telling her and not helpful. I finally hung up on her and called the GM at the dealership back and asked him to just make sure all the information is correct on the front and overnight the check again which he had already done.

After hours of phone calls and multiple people, WFDS has caused more stress and frustration than should have been. How much time could it have taken to call the dealership when they received the check and confirmed the information they were questioning? Or, when I called or the GM from the dealership called, could they not have advised that the check was probably sent back? I highly recommend anyone that is considering Wells Fargo for banking needs reconsider. Read reviews and social media posts (especially their own Facebook page).

Actually, if I return their calls and ask for the person's name in the recording, that person is never 'available' so I end up with someone who interrupts me, talks over me then when I refuse to stop talking (pushing him to take his turn) he screams that I am rude and interrupting him and I just don't want to pay for the car, etc. etc. I am writing this because, if you are thinking of using them, make sure you can not be late with payments. I personally was trying to avoid this psychopathic behavior by going with what I thought to be a reputable company (Wells Fargo) but I was very mistaken. Caveat Emptor.

I am rebuilding my credit, it isn't stellar and I thought I might have a better chance if I had an account at Wells Fargo with direct deposit. Then I could sign up for auto payments at the time of the loan. So, I head out to Wells Fargo - Cary Park Town Center, 10050 Green Level Church Road, Cary, NC 27519 - on the recommendation of a family member. A couple of days later, I had found a car, sold by an individual, and called the same lady at the same local branch to start the application process. Nothing! She literally just ignored me. In hindsight, I realize it is because when I had opened my account, she had an opportunity to see my credit.

I decided to go to a different branch - McCrimmon Corners, 4011 Davis DR, Morrisville, NC 27560. And as she hurried thru my application, I provided the necessary information pertaining to the vehicle, and I asked her to include some positive pertinent financial information to the underwriter, she declined to include it, and additionally said she had to include information about my rent (despite the fact I don't pay rent - my husband does). Within 2 minutes, the answer... NO!

I head out to NC Chris Leith Pre-Owned Superstore in Raleigh, see a car. Not a bad car, and when I ask about a different car for the same price, he explains that "the lender won't approve me for that car for the same payments". Now I don't know much about banking or lending, but it seems to me, that it should be me, and not the dealer or the bank determining which car to sell me. Hindsight is 20/20. Come to find out, he was dealing with Wells Fargo. When I asked how (as I had warned them already that they had turned me down) the salesman said smugly, "We have our ways." So, feeling as if I had no other choice I completed the paperwork and drove off the lot in my new (used) car.

As I was reading the details of the transaction, I was dismayed by the information. Keep in mind, I had wanted a $5,000 car and I was prepared to make a down payment, and I expected to have a high interest rate. But alas, for this $15,000 car, I will be paying more than the amount I wanted to buy the first car for in interest alone. Why they would allow me to spend 3 times what I wanted to spend (and knew I could afford) is beyond me. No wonder Wells Fargo has such big buildings all over the country!

After numerous months of them still reporting us delinquent even though we made our payments on time as instructed I was finally told that their employee "misspoke" but they "really couldn't do anything about that I just needed to figure it out and make 2 payments in a month or stay forever behind". That simply isn't possible.

Now I get phone calls, like the one today, where I was told I was wrong and that I am past due with a ton of late fees that they have added on every month for the past year and then I was asked "can't you see?". Yes, I can see. I can see that I was lied to by a Wells Fargo employee. If he misspoke, as they said he did, then they should have been able to make things right. Stand up and accept their mistake and make it right for the customer. They chose not to. Instead, they have decided to continue to add on fee after fee and continue to call being rude and disrespectful. Wells Fargo Dealer Services really needs to learn more about customer service. My advice, don't trust them, they seem to have no concern for "misspeaking" the truth and avoid doing business with them.

Today I found a post card lying in my yard. That had been stuck in my door or something. I am not sure. But it's from a recovery company. I am livid. I have made my payments. I sent faxes. This has been the absolute worst interaction with a bank you could possibly have. I called the recovery company and they said they would call me back. But I thought it was illegal first off... to take my money and then say they don't have it. I have statements proving payments went through. And second collection agencies... can't contact you through post cards? Or take possession of things... when things are in dispute? I need some help here. All I'm getting is runaround. Don't bank with these people. They have seriously messed up. I feel like everything happening is not right.

Even though I already scheduled the payment (which was on the 13th through the Wells Fargo website and which they could clearly see was pending), on the 15th (ONLY TWO DAYS LATER) they sent me a letter saying that my payment needed to be remitted by the 27th, and that "This is an attempt to collect a debt", etc. Absolutely ridiculous. My payment is currently two and a half weeks late, and a pending payment has already been scheduled, and they're sending me letters that sound like something a collection agency would send. So I called them today.

According to their customer service reps, it is standard Wells Fargo business practice to begin sending letters about late payments after only FIVE DAYS - and that's even though I already had a pending payment scheduled! In all my years of building credit and paying for loans and credit cards, I have NEVER encountered a company that does business in this manner. The customer service rep this evening even told me that the reason the letter had language in it about being "an attempt to collect a debt" is because the account IS considered to be in collections, even though there's no external collections agency dealing with the account, and even though it's less than 30 days past due.

And when I log onto their website to manage my loan account, the first message that greets me is some crappy message on the screen about "this is an attempt to collect a debt." I will NEVER do business with this company again, and I am currently looking into refinancing my loan with a different lender who WON'T hound me and treat me like I'm a horrible person when I've NEVER been more than 3 weeks past due on ANY of my payments.

When I did get full time work they were only concerned with when they were going to get their payment and had nothing to say about the fact that I had finally secured full time work. I need my automobile to get to work so I need my vehicle. It amazes me that all of the scrutiny that they have experienced in the media lately that they still treat their customers so rude. I just needed to get some things off of my chest but after reading the other complaints, I'm not the only one.

Not only was she rude and loud talking me she further requested "proof" of unemployment benefits. I asked for the fax number to provide her with the info she DID NOT call back to leave information as she stated she would!! If I could give the car back without any penalties I would!!! The WORSE Customer Service... Called customer care, made a complaint, we shall see how far that goes and how important their customers are to them. 10,000 left to pay. WILL NEVER do anything thru them. One bad experience changes everything esp when all you needed was someone to be understanding of your situation esp when they review your account and you're in fact eligible for deferment. Just HORRIBLE.

Can't seem to get any help in this matter for their careless mistake and I am to pay 300 to clear up my account. They just got paid 2 payments plus late fees bringing me current til Dec. 15th and they're freely debiting my account. How does that work and hold me responsible for 300.00 that they created!! There is nothing good about this Bank anymore. I been a Customer since 2008 but you would never know it by actions like this. I give you a big fat 0 Wells Fargo, for taking advantage of your customers as you have me.

Updated on 12/09/2016: Today got a call from our insurance company about damage to our front passenger headlight area saying that I had done it. The problem is the passenger side front headlight was intact not broken because when we were able to go and collect our possessions from the car in Marshfield on November 26th my daughter was with me so no damage, also the rear door was already damage when we brought the only valid claim was the driver's side headlight which we got taken care of. No I would not recommend them at all.

Now Wells Fargo dealer services is stating I never had coverage from the time I left the dealership until I recently switched insurance companies. So my monthly payments will be new amount to cover the time when I didn't have coverage (supposedly). I have read over my entire loan and have yet to see anything that remotely states that will happen if I do not have insurance coverage. I had to deal with a car that has been in the shop most of the time (I wish I never went to that dealership) now to paying more money a month for the stupid non-working car to a company that hopefully will close!!!

Dawn Martin Harp, the President of Dealer Services works in Irvine, CA at 23 Pasteur. The main lobby is a fortress of security guards that are even more subversive than the Staff of the Office of the President. That all said, I would NEVER recommend anyone to take a loan from Wells Fargo Dealer Services. As I just told the office of the President, this has been, by far, the worst customer service experience of my life time. So best of luck to you, Dawn Martin Harp, and the rest of your "Crack Team at the Office of the President" for serving up the worst customer experience ever!! Perhaps you should take something away from the lessons learned from your CEO; good business practices (and good customers) do matter!!

So now it's November and they said they still haven't received the pay off. I call major bs. The only way to fix is by getting a lawyer over a car that was sold almost 2 months ago. Like I said I have financed 9 different cars before but it's my first time with Wells Fargo and they're the only ones who act like a collection agency the moment they're going to lose any money so they'll con you if you let them. Now I believe all the negative reviews and I'll make sure to tell everyone to get out of any Wells Fargo deals. It's literally like getting a loan from a collection agency. Since they don't have the money they'll stay making stuff up and since we don't have access to their servers we can't prove them wrong.

I have pictures of the car from their own files showing damage that was NOT on that car when they took it. They also created issues with that false claim and my car insurance rates went up because of a "so-called collision". Wells Fargo lied and I want this taken off my credit report. Wells Fargo made a good profit on this and I think their ethics stink all the way around. I also did NOT know until this happened that when they finance a vehicle they also have a so-called "power of attorney" clause added so they can deal with your insurance company without you.

Needless to say there was no way I could keep up on payments and eventually I got 28 days behind at which time they come and repoed the vehicle very sneaky might I add in the middle of the night. The towing company wasn't that bad, they at least knocked on my door and told me what they were doing and let me get my personal items out of my vehicle. Then they told me I could get a hold of the tow company the next day and pay my back due which I was dumbfounded about because it wasn't even 30 days. I called them the next day to find my vehicle. They said they didn't have it and didn't know where I was, this sounded very fishy to me. They told me to call Wells Fargo and they'll tell me where it is.

I called Wells Fargo. Wells Fargo told me that the tow company still had the vehicle. You see my dilemma here? Neither one knows where the vehicle is. Well this run around went back and forth back and forth for nearly two weeks. Needless to say they never actually found the vehicle but they did send me a letter saying that they auction the vehicle off and that I hold them $12,000 to cover the gap of the sale. This will bankrupt me. Wells Fargo is a bunch of crooks. They need to be shut down. Their CEO's need to be put in prison. They've destroyed my credit. They've destroyed my life. I have to start over and I'm 41 years old. This isn't right!

I am floored, I have never heard of such a thing. When we called them out on it they said they would refund one month since we are no longer driving the car. So when I asked for all the documentation for our account for our family attorney to review they said they have no information or details they can give at this time. They said we will have to pay the fees owed then they can go back and apply credits later. I am still in shock. I can't believe a company can do this to hard working americans. We are out $1125.00 /$125.00 per month since January. Plus late fees and towing fees. Is this legal? Help? Any suggestions??

Updated on 12/20/2016: I previously made another inquiry on 9/27/16. Our car was repossessed for non payment. Wells Fargo was adding insurance to our loan. The payment was an extra 125.00 per month. We already had Insurance with Geico. So it looked as if we were not making the whole payment. Long story short we were credited amount owed back to the loan. But they would not release the car back to us unless paid off in full. They wanted us to pay for repo and storage fees.

After 4 weeks we got a call from our insurance company saying the back end was totaled. Wells Fargo put in a claim. This was a BMW brand new mint condition when it left our driveway. We had not seen the car for 4 weeks. Other than paying 150.00 to get our belongings, still in mint condition. 1 week after tow! Geico paid the claim. Our insurance went up. So we basically got screwed twice! Really...now I know this is not legal and am now talking to small claims Court for repayment and pain and suffering.

I thought everything was fine until I recently discovered they had been charging me a late fee every month for the past year!!! They claimed I was a payment behind... my credit was damaged and I had $600 in late fees. I disputed it but was told that they had no record of processing a 2nd hardship payment!! I vowed to find the confirmation letter but to no avail. I'm still looking but figured they kept documentation of customer accounts. So I paid them an extra payment just to stop the late fees from accruing while I pursue my dispute to have the fees removed and adjust my loan balance. They continue to report erroneous info to the credit bureaus.

Someone do something about the way these people steal our hard working money. I thinking never to buy another car if Wells Fargo is going to finance it! By the way if you are trying to pay your account that is just late by 10 days, Wells Fargo will block you from making a payment online or by phone, so I was obligated to speak to representative who never care about my financial stress and financial struggles since I lost my job in Feb 2016. Late fee is 39.00 per charge. Other fee is 10.00 for what? 6.00 for making a payment on the phone. What kind of bank does that to its customers... just the greedy abuse of higher interest rate of 14.24% just because there is only this company that can finance our mortgages and cars! Why there are no more lenders like 10 years ago who will not ripped off with these ridiculous fees and interest rates!

I called Wells Fargo to inform them that we no longer had the car or owned the car because the dealer took the car back due to it being unsafe to drive, and returned our deposit and said that he would undo the loan. Wells Fargo said they received the loan payoff request and that they would "unwind" the loan and that I should receive a note from Wells Fargo evidencing that the loan was paid off in a few days.

Unfortunately, I had already set up (too early) an automatic loan payment to go out every month from my checking account. Wells Fargo received my first loan payment while the loan unwinding process was going on. I called Wells Fargo to warn them not to cash my loan payment which had been sent too early in error, and I was assured that they would not apply my payment because the loan was being unwinded, therefore that would not happen.

However, after several phone calls, a lot of stress and almost 3 months later, I still haven't received my reimbursement check. I was informed today again by Wells Fargo that they have done nothing wrong and that they applied my loan payment to the loan pay off and that I should contact the dealer if I want my money back. We did contact the dealer the first time Wells Fargo told us that and of course the dealer said they owed us nothing. The point is, Wells Fargo made a mistake when they applied my payment to a loan that was being cancelled/unwided, due to no fault of mine. This mean that I won't ever get reimbursed. Shame on you Wells Fargo.

Last, When my 5th wheel's awning broke due to weather. I got insurance to cover the damage. I purchased awning and installed myself. I save about 900 dollars. I could not cashed the check without Wells Fargo Dealer Service's signature. I went in and requested them to sign the check so that way I can get cash out on the balance after I spent the damage. They took my 900 and put in my 5th loan account. I asked why can't I get the cash out. They said I still owe them money and refused to give me balance cash. I was hope to have 900 so I can fix up some more on 5th wheel and did not success. They controlled my insurance money... SMH. I struggled to get refinance with other bank so I can get out of their con business. I could not due to my credit score. I have 8 more years to go to get out of their con business... Still struggle.

When they took it, the car was fine except the "H" for Honda was gone off the front. The wrecker company apparently dented and scratched one side of the car and WFDS, instead of just taking the car as they received it, called my insurance company, Progressive, and Progressive opened a claim. Progressive and WFDS said if I couldn't prove I didn't do it, despite my being the customer, it would be paid. In this great USA, I have now been told by 3 big businesses, "the customer is always wrong until the customer can prove otherwise." Something is seriously wrong with that statement. Don't trust your finances or business with Wells Fargo.

I paid every month just couldn't pay on the due date because my source of income date changed. So every month I was charged a late fee because they would not change my due date. That just goes to show they do not care about their customers only the almighty dollar. However I think it works out better for me to have it posted to principal or at least it evens it out. I haven't actually run the numbers. Not that worried.

Lastly you have to be very careful too if you make payments at the branch always check your receipt. I had a teller post my payment to the wrong account. The last 4 digits always show on the receipt make sure they are yours. That caused nasty reps to call my house over and over threatening me to repossess for non payment. At first I ignored them cause I paid then I realized the payment was not posted correctly. I could have had my car repo because of their error. I like a bank that does their job and I don't have to double check their work - this is not that kind of bank. I like a bank that has knowledgeable customer service on the phone - this is not that bank. I like a bank that treats customers with respect and are helpful when unforeseen situations arise - this is not that bank.

Jesus proceeded to ask me how much money I had left over from my previous pay and if I could borrow the money to make the payment. I was put off by this because what is left over was none of his business and I explained that I don't borrow money to pay bills. I got tired of the back and forth and said that if he was that inflexible and unwilling to work with me then send the paperwork to take the car back. I then called back to the supervisor Debbie and she again was in my pockets about my money and she repeated that it was not to my interest to send in one payment only. I have never had anyone that I had a bill with not want to work with you for resolution and to work things out. I felt as if WFDS said they weren't going to take the payment. I am waiting for the paperwork to send the vehicle back. It's not worth the headache.

I have filed a complaint with the BBB and I am saving my documentation as I run through the streets naked before I pay them another dime. I will see legal action and told them I plan to do so and I will explain to the judge that they declined the payment I offered and were unwilling to work with me. I deeply regret refinancing and leaving GMAC. They were very gracious and understanding when I had fallen behind and they gave me every opportunity to get current. Stay away from WFDS, you will regret it. Then, I get a call from someone inquiring about picking up the car. I haven't signed any paperwork and was told it would be sent in the mail. The person picking up the car said there was no paperwork. I kindly told them, you will not be getting this car until I have signed paperwork. WFDS is the worse.

I was told by a woman in the reinstatement department to call another number and ask for a manager that the manager could remove the charges but when I did the woman claimed she couldn't and she wouldn't then tried to say the insurance charges were already removed that I haven't been paying. I was flabbergasted. I in fact have been making my payments but the lady in reinstatement said I was being charged over 400 for the car and insurance monthly. So one of these employees are lying and I know who. Before that I had 20000 from an inheritance and somehow it managed to vanish. I can guess now it was them that took it. Do not bank with Wells Fargo. No loans nothing because they will rob you blind.

I filed a complaint with the Missouri Attorney generals office and they did at that time send the AG a copy of the contract, (which I was told they did not have) which the AG send to me and the letter attached from Wells Fargo said that they could charge what they want to. I finally turned the truck in as I was in no way going to pay 8 thousand dollars, I did not owe, because I figured it would look better on my credit. They sold it at auction for almost 8 thousand dollars and still said I owed them 3500 dollars.

I monitor my credit report yearly and notice that it reflected the payments for the first year with the repo on it and what they said I owed. Then the payment history disappeared from the Wells Fargo entry. But noted after 2 years that the debt had been discharged. I regret everyday that I did not go back to GMAC to have this truck financed as they were the ones who financed the truck I traded in on the Envoy. I am still very angry that I paid all that money and have nothing to show for it.

Well as it may be. I returned for being out of town and had my new place picked out address and all. So Dec. 5th, 2015 my neighbor was pounding on my door telling me someone is taking my truck. So I ran out there only to find my truck was hooked up to a tow truck.

(TO MAKE IT SHORT) I gathered all of my tools from the truck gave the driver the keys and remotes and off it went. So on Monday I called them (WFDS) and asked them what the deal was. They said "YOU HAVEN'T MADE A PAYMENT IN 3 MONTHS." My response, "Ummm I sure have and here's the receipt to show. This also happened in 2014 when I made an $808.00 payment at a WELLS FARGO BANK BRANCH." They said they (WFDS) never got it. I PUT $8000.00 down in May of 2013 when I bought the truck and had a $276.00 per month payment. I asked them (WFDS) what do I have to do to get my truck back and their answer was PAY OFF YOUR LOAN IN FULL + late fees, storage, tow fees. I was like, "You're out of your mind. Can I pay the past due?" and this fool straight up said "NOPE, CALL THIS NUMBER."

Well the end of all of this is I only owed $5016 on my loan and I was ready to send the payoff but they said "Sorry, your truck has gone to auction." So I called a friend in the auto biz and we went to the auction the day it was going to run Dec. 23, 2015. The truck sold for $6400 and I wasn't the one that bought it. The next Monday I called WFDS and was told that I owed over $1400 and I said really. How so? This chick tried to tell me that my truck only sold for $4500. LIE #1. So I was like ok. "So when did it sell?" I asked. Her response was it sold on the 28th. LIE#2.

So I said "Really? That's funny because I was at the auction on the 23rd watched it get auctioned off and had the run sheet on the truck." LONG PAUSE. She was like. "UMMMMM AHHHHH EE SO HOW WOULD YOU LIKE TO TAKE CARE OF THE REMAINDER BALANCE?" Have you lost your mind? I responded. I ask for some advice from you guys. What should I do and what can I do?

Well now it's 2016 and they never came to REPO my car, I have lived at the same address, same phone number and nothing. My car was in an accident (Total Loss), the insurance wants the title, they contacted Wells Fargo and all of a sudden they have my account eight years later! Whoa! Well now I am out a car and the insurance money because Wells Fargo screwed me over. Any help would be greatly appreciated here! Thank You!

We have since paid off the vehicle, and plan to never use these people ever again. My wife has a vehicle through Chrysler credit. They send a monthly statement, even though they automatically deduct the payment from our checking account. I feel that's real customer service. All in all I feel that Wells Fargo needs to think about how they treat their customers. Do a good job you tell 10 people, do a bad job, you tell 40. I plan to tell 400 about their lousy way they treat customers!!!

The loan is now paid off due to an auto refi I did. It is not fair for the consumer to 'pay ahead' when that is not their intention. It also seems fraudulent. I have had numerous auto loans as well as a few mortgages in my life and have NEVER experienced this. Every lender has always provided me with the option to pay additional principal. I formally filed a complaint with the board of Wells Fargo as well as Business Consumer Alliance. Oh and Wells Fargo got back to me to tell me that the missing $55 was for interest supposedly. Good riddance to this fraudulent company. They will never see another red cent of mine or anyone else that I know and care about.

Dealing with Wells Fargo has been the worst financial situation of my life. It has been nothing but issues with these guys from day 1. 8 months into my loan my monthly payment jumped up 40 dollars, no one could tell me why. 6 months after the jump it came back down to the agreed upon monthly payment. When I asked again what was happening I was told they reviewed my account and gave me a price break, unbelievable! STAY AWAY FROM THESE GUYS AT ALL COSTS!!!

Now, I would like to know what this representative that has being "helping me" did for the past 4 day that not even the autocheck was done!!??? Every time I called she would NEVER pick up, I would have to call through the regular line to talk to other representative, to make sure that person would check that she was available, to FINALLY talk to her. I asked to speak to her manager (Kristen **), was transferred, once again: voice mail and NEVER GOT a call back. 4 days waiting: DISRESPECTFUL to ME, to my TIME and my MONEY. I had already purchased insurance for the car, had to pay for an inspection at the dealership ($300)... which obviously I lost the money and I have proof of that.

Tuesday night I had to call for the 40th time through the regular line, they gave us update that they were not going to be able to finance the vehicle, something that Allison ** (the person "helping me") could have called earlier and let me know... Instead she just put the note in the system and forgot about me. I have always been a loyal customer of Wells Fargo... I already switch the balance of my credit card to another card and WILL DEFINITELY change my direct deposit to another bank. So disappointed, so so so disrespectful, HORRIBLE customer service, awful!!

Well those words were fake because as soon as I finished basic training, and I checked my account, I had a big amount of money negative in my checkings and my account is basically frozen now. So now I probably have a big interest rate added to my loan and my credit score probably is screwed now, and they will probably repo my car so idk what to do. I WILL CHANGE BANK AS SOON AS POSSIBLE AND TELL ALL FRIENDS AND FAMILY TO CHANGE THIS FAKE BANK.

My other auto loan is financed with Chase. They confirmed that I can walk into a branch, pay the loan off in cash, and receive my lien release on the spot. I asked Wells Fargo if an exception could be made and explained our circumstances (struggling with the payments, trying to do the right thing by selling the car). They stated that they will not take the word of their branch employees that they have received the cash payoff. It says very little for the relationship between Wells Fargo Dealer Services and Wells Fargo retail branches. I would not do business with a company who is unable to coordinate something as simple as a paid in full letter between two related lines of business. Their ineptitude is as a company is making it impossible for us to sell our car while the lien remains in place.

I don't think that a financial institution with the stature Wells Fargo bears, has the rights to force its customers into delinquency in order to exercise whatever collection proceedings they feel like doing. Do not get (work with) Wells Fargo Auto Loan! Wells Fargo Auto Loan Division has the worst and nastiest policies in the US financial market. Don't give them business!

This is not only the worst bank I have ever dealt with. They are the most obnoxious and possibly have the rudest employees. If this is the way Wells Fargo does business and can encourage the employment of such poorly trained and incompetent employees, then that alone is reason enough to raise a red flag in these bank's policies, protocols and procedures. I am in upper management and if anyone of my staff ever spoke to customers with such disdain, it would be immediate grounds for dismissal. Shame on you, Wells Fargo for not only being the worst bank but for employing and retaining the worst staff possible.

It is a whole separate, equally frustrating ordeal. Well months later, on Nov. 18, my mother texted me at 6 am. She told me that WF Auto Finance has been calling her nonstop and asked me if I have made a payment on my car, and to fix it, now (she was obviously angry with me, not WF). I told her that it was impossible for me to miss the payment, since I had "auto-pay" on that account and well over the payment amount in my account. She was frustrated and told me I better make sure the payment came out.

Auto-pay is a very normal part of my life. And I use online banking and don't receive paper statements anymore. Plus, I always have enough money in my account for bills. So, I rarely check my account history. To my dismay, I had found that on Nov. 4th, no payment was deducted from my account for WF Auto Finance, in any amount. At this point, I needed to calm myself, maybe I did something wrong. I found no evidence of any mistake of my own. I looked under alerts; there was nothing.

I called my mother back, about 2 hours ago today. I explained to her what I knew about the situation. She told me that she had just gotten off the phone with WF again. She explained that they have been calling her all day today, in 10 minute intervals. She told them to call me. They said they didn't have my number. My mother gave it to them, explaining that I had given them all of this information already. They should have it on file. My mother told me to call them instead of waiting and gave me the number.

I called WF Auto Finance at exactly 3:04 pm today, Saturday November 19, 2011, exactly 3 minutes after my mother received the most recent call from WF. The line rang once. Then, an automated voice told me the business hours. It was followed by a very high pitched one tone beep that lasted until I hung up seconds later. Apparently, business hours on Saturdays are 8am-3pm. If they hung up with my mother at 3:01 pm, they were still in the office at 3:04 pm and were too lazy to answer the phone. I don't know what their phone ethics are. But at every job I have ever held, we were still answering calls up to 15 minutes after we closed, not 4.

Anyway, I went back online and got the online help number and called. I’ll give some background first, because I have been having troubles with WF for a while now. When I set up the loan account, I was told by the personal banker, who set up my loan in the first place, that I would be able to view this account online. Long story short, I was never able to or really cared about seeing it. A few months later, my fiancé and I set up a joint account, which I was supposed to be able to view online. I couldn't. This one I cared about, which is also another long complaint.

Anyway, I called the line and asked if she could fix my online account so I can view all of my accounts. 2 seconds later, I paid my auto loan and I can view all of my accounts. It took me 2 months of arguing with different CSRs to finally view my joint account. I called my mother back and told her that it’s all figured out except while I was talking to her on the phone, I noticed some imperfections on my account: WF tacked on a "$39 late fee" on the 13th of Nov. WF tacked on a "$508 fee" in Oct, $39 “other fee” in June, and $39 late fee in May. So instead of having $1200 less to pay off my balance from the course of paying on time every month, it appears that I have only actually paid about $140 off of my loan.

What I don't understand: Why did I get charged a late fee in May? Why did I receive an "other" fee? What is an "other" fee? Why did I get charged a fee of over $500? Why did I get a late fee this month? I have paid my bill every month on time. I am sure of it. This month WF decided "Hey let’s not take her payment this month, instead, because we are short on cash due to all of our lawsuits. Let’s wait to take it out next month so we can charge a late fee, and make an easy buck." I want to know what these fees are, why I am getting them, and who is responsible for them. I want all those fees to be reversed, and no future problems.

On her lunch break, she went to the dealership and signed the credit application. She said she did not check the information so she did not know about the false information. My husband and I went to the dealership and talked with the owner. He told us that a lot of times if someone has good credit (like my daughter did) the financial institution does not verify the information on the application. I would like to know if this is true and is it legal? Wells Fargo obviously did not contact my daughter's employer. If they had they would have known that her position and pay at the company did not match what was on the credit application. My daughter found out the now x-boyfriend had moved to Ohio and I called Wells Fargo with this information which resulted in a repossession of the truck. Wells Fargo has since sold the truck and is now calling her to pay the balance owed on the truck loan.

Wells Fargo has ripped me off at 15% interest rate. I took this loan with the understanding from Wells Fargo that we could refinance at a lower interest rate. I tried to refinance the auto loan with Wells Fargo with no success. The high payment and pay off amount has put me in a difficult financial position. Please help! These Banks have ripped off the public long enough!

I asked several questions to try and understand what had happened and what were my options, but over the next few minutes, the conversation went from bad to worse. Instead of answers and options, I was threatened, insulted, mocked and basically called a liar. I asked to speak to her supervisor as I was getting nowhere and I wanted to know what my options were to get the debt back on track. At first, she refused to transfer me to anyone and stated she was the supervisor. I insisted on a name and number. She gave me Anthony at **. I asked if she reported to him. She repeatedly stated that he is a supervisor or the "next step" whatever that means.

Finally she gave me Rena **. Just so I understood completely what she was demanding of me, I asked Shene what needed to be done to stop repossession. She told me that a payment of $450 would have to be made on 2/25 and another on 2/28 (before the end of the month) to stop the repossession. She told me that the past due amount would then be $589.62 and the next payment was due on March 13. I asked her about payment options to get caught up on the past due amount and told her that I would make arrangements with my son to direct deposit money into my account and that I would personally make the payments on time from now on. I then used money gram and made the payments as requested, then I called Kevin to give them the conf # on 2/25 and my son called to do the same on 2/28.

After the first payment was made, I attempted to call both numbers Shene provided me and left messages, but neither person called me back. I also called customer service to complain about the way I was treated. I felt it was rude and a waste of time to listen to threats and insults when I was trying to understand what had happened and what needed to be done to fix the problem. However, even though I told customer service that I did not believe Shene had given me the name of her supervisor and that I never wanted to speak to her again, they ended up transferring me right back to her. Customer service did tell me that all of the numbers I was given were people from the same department. I was never given the name of Shene's real supervisor or a person who I could work with to resolve the problems. I then filled a complaint in writing online.

What makes matters worse is my son has been taking the bus to work because the car has had so many problems since he purchased it, that he could not afford to fix it again until the payments were caught up.

Wells Fargo lied to me by accepting the late payments, stating to me the next payment was due on March 13 and telling me the only repercussion for the past due amount of 589.62 (which included late fees and insurance) would be the late fees and daily interest, and then they repossessed the car anyway without any warning on March 8 (5 days before the next payment was due).

Why would a bank do this after I worked so hard to help my son get caught up? I assured both Shene and Kevin that I would make future payments myself, on time, from now on. I have no idea what to do next, because I can't believe anything they tell me at Wells Fargo Dealer Services in Pleasanton, CA.

My company has cut my hours by 10%, leaving me struggling mightily to make ends meet and pay all my bills. At 62 years old and single, and in the worst economy since the Great Depression, I have been unable to find part-time work to make up the difference, and am now cleaning two houses (which other than my own, I have never done and that hasn't paid enough to make up the difference) because I have no choice. WF refused to break up the loans, to clear my auto loan from the credit card loans in order for me to either sell my car to buy an older one, or continue to make the $495 payment.

With those CC loans tacked on, I can't sell my car because the title won't clear. WF called incessantly. When I finally decided to bite the bullet and talk to them, they would do nothing to help, only reiterating how much I now owed in late fees in addition. When speaking with two of their collections women (worst people I have ever dealt with), they asked me if I had any family I could ask for the money to pay them! They told me to ask my children, which I absolutely refused to do! Why not take every last shred of dignity I was trying to hold onto? They were shouting at me, threatening, like the others here, to repo the car!

In my entire life, after having purchased at least 5 new cars on my own and never lost one of them due to nonpayment, these bloodsuckers were threatening to come take my car. I told them maybe I'd file bankruptcy, and they told me I'd still have to make the payments. I would be happy to sell this car and buy an older model, and have spoken to two auto dealerships about doing so, however, the amount I owe, due to the addition to the auto loan of those two credit cards, is killing me and I cannot get a loan for that high amount. WF is laughing all the way to their own bank, after we Americans bailed them out!

I paid $245 on 7/22/10. On 7/23/10, I received a letter from Wells Fargo stating that we needed to fill out an application. This was done and faxed to Wells Fargo on 7/26/10 along with a copy of the original hardship letter. On 7/29/10, I mailed yet another letter to Wells Fargo explaining hardship, along with copy of statement requesting $744.47, and requesting assistance to help us keep our vehicle. On 7/30/10, I received a denial letter from Wells Fargo.

I have obtained an attorney to file Chapter 13 Bankruptcy, but until the paperwork is actually filed, we are at risk of losing our vehicle because Wells Fargo will not budge in any manner to assist us in working out a payment schedule that will lower our payments until I find other employment. The stress of this whole situation (not knowing when the car will be repossessed) has caused a great deal of stress; I have started having panic attacks and my fibromyalgia symptoms are at an extremely high level.

My daughter just now found a part-time job working a couple of nights per week. I am actively seeking employment. Without a vehicle, there is no way to look for employment and go to interviews, nor can my daughter keep her job (although it’s part-time). We live out in the county and there is no active bus line run where we live. I just don't understand why Wells Fargo seems to get such "pleasure" out of not assisting good people who have always paid the loan payment on time. If I had not been laid off, then we would still be making the full payment. As it is, even though I barely get any unemployment benefit, we still squeeze out half of the payment every month to Wells Fargo and yet Wells Fargo does not seem to even want to assist their clients in any way, shape or form.

So now, they are calling me constantly. I just tried to call and make my normal payment amount, and they wouldn't take it, unless i paid three times the amount. The guy hung up on me and now has called me back over 20 times in the last 2 minutes, literally. I cannot take the stress from these people, they are hurting my credit and my parents by causing my account to be late because of their bogus insurance charges.

I get paid once a month and my payment is sent out electronically through my checking account and has been for the life of the loan. When I asked the representative why they were calling one day after the due date, she stated that call lists are generated by the computer. When I asked about a grace period, she replied that there isn't one. I then told her that I have never received a statement and she said that she would set it up so that I would receive it in a couple of weeks.

March 17, 2010, I phoned Wells Fargo again telling them that I had not yet received the statement. I spoke with Joseph, who told me that he would request one be sent to me by both fax and mail. He had told me that the statement notification had been "turned off" when they "had mail returned to them." He then told me the address that was used which is a good address, so why it was "returned" to them, I haven't a clue. He stated that he would turn the notification on and that I would receive a statement for my April 1 payment.

I then spoke with Regina, who called me on April 2nd, requesting I make a payment on my loan. I explained to her the difficulties in my receiving a statement. She read the notes from Joseph and the initial person that I talked to and seemed to be dumbfounded that I had not yet received a statement. She was requesting that a fax be sent out again and confirmed the fax number that I had given to Joseph. She also confirmed the address in which I requested a statement be mailed. Since I had never received a statement, I requested that I receive a payment history on the account.

I have not to date received the payment history either. On April 12, 2010, I phoned Wells Fargo Auto customer service again because I had received a letter from GC Services Limited Partnership requesting that I pay the balance due on the car which is $1,176 and change. The letter is dated April 4, 2 days after Wells Fargo received payment on my car, and it inform them that I have not yet received the statement that was to be sent to me for my April payment. I spoke with Celeste who said she was going to again request the fax be sent out and that it takes 3 business days for the request to be processed. She also told me that a statement will go out 19 calendar days prior to the due date of the payment, and that it takes 2 business days for the statement to be prepared and mailed. Now, this should mean that my statement will be mailed out either on the 13th or 15th of April (because of it taking 2 business days to be prepared and mailed).

When I spoke to Joseph, I asked him what the total amount due was on my car. He could only give me the amount due up to 10 days. I am concerned that, since I have never received a statement and nobody at Wells Fargo contacted me when they said the "address was bad" that there may be fees that I have been paying on this car that are not necessary. Did my interest rates go up? I don't have a clue because I have never seen a statement. I find it hard to believe that they are not able to pull up a statement, other than a payment history, and why it is that I cannot get an historical statement. When and if I receive the statement, I may be back on here.

On April 23, 2006 my father (as co-signer) and I entered into an agreement with Wells Fargo Auto Finance for the purchase of a 2002 Ford Explorer XLT from a dealership in Elmira, New York. The amount financed was approximately $15,525.10 with a payment of $350.54 per month. In April of 2008, I relocated to Fulton County, PA. On December 16, 2009 I was involved in a collision which resulted in the total loss of my vehicle. At the time of the total loss, my balance owed was $10,974.75. I informed Wells Fargo of the accident and gave them all of my insurance information.

On or about December 26, 2008 I filled out and returned to Nationwide Insurance a form called Lien Holder Information, with Wells Fargo's Auto Finance Total Loss Departments address, and my account number.

On December 29, 2008 I was required to complete, by Wells Fargo and Nationwide, a Secure Power of Attorney (form PAA/PIADA 5011792) and have it notarized by the Courts in Fulton County, releasing me from ownership of the 2002 Ford Explorer and granting all ownership rights to Nationwide Insurance Company. This also released the collateral for the Auto Loan with Wells Fargo, making the loan go from secured to unsecured.

On or about the beginning of January 2009,I received via mail a package from Nationwide Insurance with a CCC Valuescope Market Report stating that they conducted an inspection of my 2002 Ford Explorer and the recommended settlement amount is $7,838.49. This report was also sent to Wells Fargo Auto Finance Total Loss Department by a Nationwide Appraiser. On or about the second week of January, I received a copy of a letter dated 1/15/2009 sent to Nationwide Insurance by Wells Fargo Auto Finance Total Loss Department stating;

"Upon receipt of your check in the amount of $7,838.49, Wells Fargo Auto Finance will send Nationwide Insurance Co the Title on the above referenced vehicle within 15 business days."

The vehicle title was released and the vehicle was then sold at auction. On or about January 19, 2009, both myself and my father received a form letter from Wells Fargo Auto Finance Total Loss Department dated January 16, 2009; stating that

"Wells Fargo Auto Finance (WFAF) has been advised by your Insurance Company that your vehicle has been deemed a total loss. We are working with your insurance company to obtain the insurance claim proceeds. The insurance proceeds, however, may not satisfy your account balance. We will request refunds for the unused portion of the ancillary products that were purchased at the inception of the loan; any refund received will be applied to your account balance. Any balance due after the receipt of the insurance proceeds remains your responsibility. The terms of your contract with WFAF have not changed; timely payment of your monthly installment is required until the account is paid in full. Please contact the office at 1-866-237-3167 option 5 to discuss the account and make payment arrangements."

On February 3, 2009 I called the Total Loss Department and asked them if they would agree to payment in full of $1,096, they said yes. On February 9, 2010, I mailed certified mail to Wells Fargo at the address provided to me by them a certified bank check in the amount of $1,096. I wrote my account number at the top of the check and in the lower left hand corner, I wrote the words Acct Paid in Full. Wells Fargo received this check on February 16, 2009 and endorsed the check on February 17, 2009.

I did not receive any other correspondence from Wells Fargo via mail; however, they repeatedly called my house and my father's house stating that I still owed them more money to the amount of $2,441.00. In my repeated conversations with them, I told them about the letter and that it stated total amount due; I was repeatedly told by more than one Wells Fargo Rep that, that letter and amount was "at that time" only; when I asked for clarification they again stated "at that time". I then refused to talk to them any further about this matter.

After reviewing the payment history provided to me by Wells Fargo, I cannot find anywhere, where there was an amount of $1,096.18 owed. After they received the insurance proceeds, they show that I allegedly owed $3,136,26, so I am unclear as to where they came up with the $1,096.18.

Now jumping forward to August/September 2009, I applied for a car loan and was turned down. When I received my credit reports from Equifax, Experian, and Trans Union, it showed that Wells Fargo issued a Charge-Off in the amount of $2,441 on June 30, 2009. I immediately disputed this charge-off and sent to all Credit Reporting agencies a copy of the certified check (front and back) and a copy of the Wells Fargo Letter.

Experian and Equifax both investigated this and they both verified in or/about October of 2009 that the Account had been paid in full. Trans Union refused (which I have on tape) to accept my dispute. Once Wells Fargo realized I was disputing this, they added on another $122.00 in penalties bringing the charge-off balance to $2,566.00. Again I have not received nor has my father as co-signer received any statement from Wells Fargo after receipt of the certified check on February 16, 2009.

On September 6, 2009 Wells Fargo received a dispute letter from me asking for proof of the charge-off. They did not respond. On October 16, 2009, I sent a letter of inquiry to Equifax asking what method of verification was used to verify the account with Wells Fargo. On or about October 23, 2009 I received a letter from them dated October 21, 2009 which stated:

"In reference to your question regarding how to establish credit. Individual creditors have their own unique criteria for granting credit. Some elements that creditors may find positive are: establishing a checking and/or saving account, creating positive payment history through establishing a co-signed account, creating positive payment history through a secured credit card. Thank you for giving Equifax Information Services the opportunity to serve you. We appreciate your business."

Of course this is not what I was asking. On November 10, 2009 I received an update from Equifax stating that Wells Fargo changed the account back to a charge-off status. This is after Wells Fargo verified with Equifax that it had been paid in full and it states that on my October 9, 2009 credit report. On November 11, 2009, I then sent out another dispute to Wells Fargo and demanded that they remove the derogatory information off my credit reports.

On or about November 24, 2009, I received a letter from Wells Fargo stating that they reviewed the account records and determined that the delinquencies are valid and should not be removed. They also state that the Fair Credit Reporting Act requires us to report true and accurate payment records for obligations financed by our institution.

I did contact a collection specialist at Wells Fargo and she again stated to me that the letter I received dated 1/16/2009 was for that time only and would define for me her comment of at that time. I have this conversation with her recorded. She also said that they did accept the check for the amount of $1,096.00 because I still owed money on the account, and that they do not have to consider the words "Acct Paid in Full" at all. When I asked her if they could have refused the check, she said yes, they always have the right to refuse payment but since payment was owed and due, they accepted the check but only for the amount of $1,096.00 and not for the words of "Acct Paid in Full". When I asked her about the letter dated January 16, 2009 she knew nothing about it and did not have a copy of it to review.

This made me angry because every time you call, you get a different person and a different answer. The worst part is that they know. They have a log about the previous call. Why can they be clear and have one answer if they have the same computer system. What is going on with them? They are rude and now I am giving them the same treatment. Wells Fargo sticks. Customer Service is lousy and the customers get frustrated. People try to pay their bills and get help or a break and what they get is a nice person first that lies and then the phone calls made by rude people begging and there is nothing that you can do. Even when you tell them not to call your job, they do it. The last time was today, 12/16/09, around 9:30 am. Please tell me that something can be done about them.

I have spoken with several representatives of Wells Fargo and they all offered the same options. Sell something to make a payment or borrow money to make a payment. I called them today because one representative left a message that she had other options that I might qualify for and I needed to call her back. So, I called Geanie, who went over everything again, there were no other options. I told her I had even offered to bring my vehicle back instead of me paying a towing bill down the road. So she said she would transfer me to a representative who could handle that. The last representative that I was transferred to asked me what line of work I did and when I told her, she said that I needed to apply to other types of work. I told her I had, so she had another suggestion - that I should apply for a job in collections. With the economy in the shape it is, there is plenty of those type jobs out there.

When I told her that I could not do that type of work because I was on the receiving end of those calls and I knew how it felt, she said, "So you are just going to sit there and fold your hands and let them repossess your vehicle instead of helping myself and applying for a job. Just sit on unemployment instead of trying to help myself. We will be garnishing your wages if you ever do get work and we will be putting a lien against your home." I told her I couldn't do a job that requires me to harass people and make them feel worse about their situation than they already did. She hung up on me.

I called Geanie at Wells Fargo back and told Geanie that I didn't know who she had transferred me to, but she was a horrible person. Geanie said she was sorry to hear about that and wanted to know what had happened. I told her what the woman had said and I also told her that I refuse to take any more calls from Wells Fargo.

On my first couple of calls, I was told that I was not eligible because my account was not 10 days past due. I call 10 days later and was told that I have not made two payments within 75 days. A couple of weeks later, I thought about what the rep said and it dawned on me that I have made the payments. I pull up my account online and I have made two full payments within the 75 days. I call again and speak with a representative who then begins to tell me that a deferment needs to be requested 1 day before the due date, not 10 days later. However, upon pulling my account, the rep then explained the same thing again (two payments 75 days blah, blah, blah) and I corrected her and showed her the payments that were made online. She corrected herself and told me that I was $20.00 and some change short and if I paid $21.00 that I could call back on Tuesday (this was on a Saturday) and qualify for the deferment.

I did as I was told and called Tuesday, spoke with a rep that told me I was misinformed and would not qualify. I asked to speak with a supervisor and she then (with attitude) told me that they did not handle any of the deferments that it would be different branch of Wells Fargo. She gave me the number and I called, spoke with a representative who told me I did not qualify. It has been more than 75 days. I explained to him that when I called back in September, I was told the same thing and did qualify at the time (because this was now Tuesday in October, I was 1 day over the 75 days) and because of the misinformation of a Wells Fargo rep, I am being punished.

I asked for a Supervisor who then told me she would tell the previous agent to process my request. However, a payment extension is not something the bank has to provide for the consumer, it is a courtesy and my request may be denied. That Friday, I get a call from a rep at 8:45pm and she begins to ask me when I will make the payment for September (mind it is not thirty days late yet). I explained to her that I requested a payment extension and heard nothing yet. She asked when I made the request and I told her that it was Tuesday. She placed me on hold and came back explaining that my request was denied. She then asked how I would like to make my payment. I told her that if I asked for an extension, I was not going to be able to make my payment right then and there.

She then asked when can we expect next month’s payment (which is not due until October 17, it is October 10th). I told her I have not thought that far ahead, however, I will do my best to make the pay. She then begins to talk over top of me and hangs up the phone. I call back the number that came up on my caller ID and I got Gina. She begins to ask me when I am going to make a payment and I explained to her what happened. Of course, I am upset and she then begins to tell me not to yell at her (I was not yelling at her, I was upset about the situation any trained customer service twit would know that). She then begins to ask me again when I can make the payment blah, blah, blah. I asked for a supervisor and she then ask me why I needed one. I told her that was none of her concern that it was between me and the supervisor. She then begins to tell me that it does not work like that she asks why and I tell her a reason.

I explained to her that I am the customer and that I asked for a supervisor. When a customer does this, you do not harass the customer to find out why one is needed if the consumer chooses not to tell you. She then tells me that she would like a million bucks but that is not going to happen and hangs up in my face. I call back. I assume it was her again because the agent picks up the phone and I can hear other agents talking in the background and then the phone is hung up again. I call back and speak with an agent who gets their supervisor Mark. Mark, apparently, cannot do anything about the agents’ treating the customer with such disrespect. I have to go to Wells Fargo online and click on the contact us link which will then lead to a complaints link where I can send my email which will then be viewed by corporate who will take my complaint seriously.

Can you imagine my shock when I went to the website and found no such thing? A rep called again on Saturday morning looking for money and I explained to her that I would make a payment on the 23rd of October. Why are they still calling, 6-10 times a day? Bottom line, nothing is being resolved. My tax dollars helped bail out this bank amongst others and I am being treated as if I am the one in the wrong. See what you get for trying to be responsible? Now, I have to go and put myself in further debt by going to a cash advance. Thanks Wells Fargo for absolutely nothing but debt. Way to help the recession.

By doing what they did, they could have caused a very big problem for us had the check not already been deposited. This month, I was contacted by a Wells Fargo representative the week of September 21st, who was told that we would make the payment on either the last Friday (25th) of the month or the following Monday at the very latest. They asked the same question, if I wanted to go ahead and set up a payment to come out automatically. I told her no, again, we don't know exactly what time the check will be in the bank. I continued to get calls even after I had told them when the payment would be made.

Then on Thursday the 24th, a woman called me. I told her once again that I had already spoken to someone about this and did not want anymore phone calls! She then said to me, "Do you realize that tomorrow is the last Friday of the month?" I told her yes and that if I could make the payment today, I would but I cannot; therefore, it will have to be tomorrow or Monday. I explained to her that I had lost my job and was not working and she then proceeded to tell me that everyone loses their jobs, it's a part of life and that I still have responsibility. If you have any intelligence at all, would you make a comment to someone who has lost their job, is trying their best to pay their bills, keeps their daughter fed and who has not failed to make a payment even though it may be late that they have a responsibility? Do you not think that I understand that I have a responsibility and to say something like that is a kick in the chest?

They have nothing but ignorance working in that company. I then called and spoke to a "supervisor" who assured me that this was not appropriate behavior and that it would be addressed. She assured me that there would be no more phone calls unless the payment was not made by Monday. And now, today, we have already gotten 2 phone calls. I finally answered the phone on the second call and explained to them that they were not to be calling me and that I had spoken to a supervisor regarding this. They assured me the calls would stop until after Monday. She then said to me that I had not spoken to a supervisor and that if I had, it was not noted. I explained to her that I was now going to be contacting Consumer Affairs. I once again told her not to call me anymore, this has now crossed over into harassment.