Wachovia Dealer Services review: Collections Abuse 3

My trouble with Wachovia began last February. I had purchased my vehicle with my ex and after our split I just couldn't afford to have a 535.00 a month car payment. Trying to do the right thing I asked my stepdad who is looking for a new car if he would like to assume my loan. We wanted to do it legally so we called Wachovia to find out if they had any programs to offer us. They said they had a refinance program that you can refinance the loan to a family member. We thought this would be easy as my stepdad is a Dentist and has excellent credit. Well it wasn't. Apparently in the half of a year I owned the car my 2007 Jeep depreciated 50% so they wanted my stepdad to pay the car out of debt asking 11k down. We were shocked so we had to turn down the refinance. We were advised by the underwriter to wait a year till the economy gets better and then re-try spring 2010 till then my stepdad drives the car and insures it and always pays. Occasionally he hits some late dates but never 30 days as he knows how crucial my credit is.

In April 2009, my car had become 10-15 days late. Because I had not answered my phone or returned their abusive excessive phone calls they showed up at my door. The local Albuquerque branch sent over the customer service rep to my house. I happened to be home getting ready for work and "knock knock" there is a man at my door. Not knowing who it was I opened the door slightly and the man said, "Are you Danielle." I said yes. He said "Weve been trying to contact you and you do not answer your phone". I laughed and said well how late am I. He said "10-15." I laughed and said so you feel you can come to my house. I shut the door and called my parents to see if they had mailed the payment in. My mom said she didn't know it was late but would call and pay it right away. She wanted the local branch number as she was outraged that they showed up at my residence for a car not even close to 30 days late. She paid two payments up front that day!

Today, I recieved 9 phone calls from Wachovia regarding my account being 20 days late. When Gary called me from the local branch he stated my payment was late. I let him know that I called last week on the 18th (which was a holiday) and let them know the payment was in my stack of mail waiting for pickup. He said that it wasn't good enough cause that was 11 days ago. Actually, Gary it was 7 business days ago. He demanded payment right now. I explained that I don't make the payments my parents do and it was mailed last week so look at the account notes as I even called. He said I didn't call and I needed to pay it right now. I said I don't drive the jeep so I am not making the payment. My parents payed it and he needs to wait and see if it arrives to their main office across the United States. He refused and started getting rude and loud and demanded to know where my jeep was right now. I told him it was none of his business. He stated that its their collaterol and he wants to know where it is and whose driving it. I said look at the account notes it explains everything as I am not going to go over the story again! He got loud and stated that he was repossessing my car. I said you're not repossessing it, and he said watch me. And hung up. I called back two times to try and talk to a manager and both times he hung up on me. At this point I am even more outraged as I am working and dealing with this. Finally a woman answered and told me she would transfer me. When "Kat" the manager picked up she already had my account up. Funny how that happened. Wonder if their abuse is a joke in their office that they were prepared for my call. Kat was even more abusive telling me to read my contract they can reposs after the first day late. I asked for another manager and she stated she was the only one. She stated can do whatever she wants. Don't tempt her. Watch it happen. MOre and More abuse I endured to the point that I asked if she was having a bad day since its snowing here that she feels she can be rude and act like trash. She told me she was picking my car up for repo and hung up.

After all of that I called the 1800 number and spoke to a wonderfully nice call center rep. He apologized for their abusive behavior and explained he couldn't do anything but he would freeze my account to stop the calls while we wait for the check to arrive. He then asked if he could transfer me to his manager so that a complaint could be started. I filed a complaint that the manager said would be forwarded on to his manager who would send it to Collections Manager who oversees all collections. He was apologetic. He asked for their names in the report but I didn't have them so I decided to call back and get their names. Gary answered and then transfered me to Kat. I asked her if my car was being repo'd so I could have it ready. She then denied all of it stating she never said that and that she never abused or threatened me. ( I wonder if someone was listening in) She then continued to imply I was a lier and towards the end I just said you act like a trash and hung up. I called the 1800 back and gave the names as I was calling I had "call waiting" once again it was the local office. This time it was Kile calling for a courtesy call. Apparently he was a manager. Funny how Kat told me she was the only manager. I told Kile not a good time you can call me back later. After his call Amanda called who was also a manager. Hmm another manager this is hilarious. How much can one office lie? And remember how Kat denied her abuse and threats well Amanda stated she listened to Kat's call with me. Totally makes sense how they lie and she reneged everything. Well Amanda didn't get it either. She continued to state that I am the bad guy and they are doing their job because I am late. Once again, what didn't t theyunderstand about "PAYMENT MAILED" after her conversation I said don't call me you guys are abusive and I will only deal with 1800 number. I'm sure she will ignore it and they will continue to abuse me! I can't wait till we write the payoff check next month, and my time with Wachovia will be over!

Can you believe in 36 months there has been close to 600 complaints against Wachovia Dealer Services? How much more do people have to endure before someone does a class action suit? They are abusing FDCPA with threats, excessive calls, and statesments of repo to try and get payment.