Wells Fargo

For nearly three years I have been making timely payments to Wells Fargo Dealer services without any delinquencies. I make my payment through my bank electronically every month and also receive a paper form bill through the mail. My last bill received reflected two months in arrears, alarmed I checked my bank account and noticed two unsuccessful payment attempts due to incorrect information used. My bank claimed a misinformation error created the situation. With the monies for my payments still in my account and anxious to bring my account current I called Wells Fargo customer direct to make sure this discrepancy was corrected. After several attempts to get hold of a rep only to be put on hold and then having my call dropped my wife made an attempt and was successful in speaking with a rep. Her experience was dealing with a rude, condescending and belligerent rep who denied electronic payment and gave two options of payment through a cashier’s check or going to a bill paying facility to pay the balance, my wife wanted to make three months of payments and was told she could only make two monthly payments and not three as requested. When my wife questioned there policy they told her she was not on the account and I had to call. I called in and after a few attempts I was connected to an irate, disheveled and rude rep, I opted to send a cashier’s check for two payments which was my max allowed according to the rep. The cashier’s check was mailed to them on Dec 3rd and my account was brought up to date on Dec 6th via electronic payment which was verified by a rep that day as received.
I explained the reason for late payment and never questioned the late fees but the rep replied with an ignorant answer. Anyway relieved that I squared away my account and would not have to deal with rude and unprofessional reps anymore I was at ease. I received a bill this week not reflecting the payments which was understandable considering the timeline and a due date of 12/23/2011 I had no concerns.
I woke up Thursday morning to realize my vehicle was gone, thinking it was stolen I called the cops and they informed me it was repossessed to my amazement. I called Wells Fargo and inquired how this could have happened and got a repeated response of “you broke your contract” no matter what I asked and even when he acknowledged payment he still ranted in a degrading manner. Finally he gave different # to call and after going through three delusional reps I finally got to a rep who informed me that my payment by mail is in processing and may take a day and I would receive a call back which never happened.
Today I spent an hour on the phone going around in circles only to find out that because they reposed my vehicle my cashier’s check would have to be sent to a new address because my status had changed? After a time on the phone with no explanation why I was not informed of a repo in any form of communication and my bill never reflected such intentions and a date of 12/23/2011 for payment due even though I fulfilled my financial obligation already. I was told I would receive a call before 6PM this evening to sort the issue out, obviously this never happened and I still don’t have my car or will they tell me where it is. I am in shock and devastated by this ordeal and lack of urgency by these people.
They got my money and still took my car and showed no remorse instead were cocky, ignorant and totally unprofessional.
Need some advice here I don’t know where to turn.
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