Menu
Login
i was hospitalized 08/01/08 and was unable to return to work for several months i had no income during this time.i called all my creditors and asked what i could do to lower payments / interest rates or even skip a payment so i could make my morgage payment and keep my home.wells fargo auto finance is the only company who did not work with me on this matter and is still calling and harrassing me to catch up my payments still to this day 02/01/09.i have spoke to many representives with this company and i get transfered everytime to someone else who says let me see what we can do i get put on hold for 10 to 15 minutes only to be told sorry and when i ask why they cant help me theres the old answer of we have rules well there rules change to there benefit because i have followed them inorder to try and fix it but i get a different set of rules everytime i mean they r linning there pockets of the sweat off my back with late fees and intrest rates i will never use them again i would rather walk
The complaint has been investigated and resolved to the customer’s satisfaction.
I sold a vehicle I owned back in February of '07 to Carmax. Received a pay-off confirmation from Wells Fargo. Now after after 3 months I have been receiving calls on a daily basis from Wells Fargo collections claiming that I am 90 days behind in my payments and I must make a payment right now otherwise I would be reported to the Credit Bureau and the vehicle re-possessed. I asked Car max to call them and clear up the matter. Carmax sent me a copy of the cleared check that was paid to Wells fargo but to no help. I am still receiving calls everyday. I am fed up. Do not know what to do.
I have been reading all the complaints against Wells Fargo and have found so many I can not count them all. My complaint is basically the same as all the others, being cheated by this terrible company. If there were any way for me to get out of this loan I would. My payments have been being used for some kind of insurance I don't even need. This started months ago and since that time I have done everything I can to fix what Wells Fargo has broken.My insurance co. has faxed them stating I have never had a break in my policy not once but twice, with me in their office. I have called and faxed and faxed and faxed with no results. For all my efforts the only thing I have to show is seven or eight calls each day from their collection agency for something I don't even owe. SOMEONE PLEASE PLEASE TELL ME WHAT CAN BE DONE TO FIX THIS STUPID COMPANIES MISTAKES. This is ruining my credit and about to make me have a nervous breakdown. Thank you for hearing me out.
Carmax does not have to do a damn thing, you have to. It's your loan! What you want every body to do your work for you or are you just stupid? Get all the documents photo copy them, send the photocopy’s with a letter explaining what happened by registered receipt back mail. If what you are saying is true this will be fixed all by mail in a few weeks.
Wells Fargo Auto Finance/Balboa is the worst!
My auto insurance from the Hartford renewed itself in February, 2017 and they faxed over proof of insurance to Wells Fargo but the next month I saw that I was being billed for Collision insurance on my monthly payment statement. I called Wells Fargo and they said that I was without insurance and therefore they were supplying me with Collision. I told them that I have never been without insurance and they said to have the Hartford refax the proof of insurance. This same thing has gone on this February and as of August 22, 2017 I am still having this problem. I called Balboa the insurance carrier for Wells Fargo and spoke to a lady there who called the Hartford while I was on the phone and the Hartford varified that my husband and I have been insured since 2017 and that we did renew the policy in February. The lady there at Balboa claimed that it was fixed and that we would receive a letter of cancellation for insurance and we did, but I am still receiving the harassing phone calls from Wells Fargo Auto Finance on a daily basis. Today, Sunday August 26, 2017 I received 2 phone calls from them. This must stop!
I purchased a 2017 Ford Mustang GT and used Wells Fargo for the financing. After 2 years of good payment history, my husband and I decided to go ahead and pay off the car when we refinanced our home. Our mortgage company called WFAF on 8/20 requesting a 10 day pay-off. My husband then called on 8/21 to verify the pay-off, as we were closing on 8/23. The mortgage company & my husband were both quoted $13,163. So, we close on 8/23 and the check was cut by our mortgage company on 8/28 and I call WFAF to get the pay-off address, as I had left the information at home. I was informed by a very ugly representative that I was quoted the Principal Balance, not the pay-off. I tried for 3 days to dispute the information. However, there were no notes in WFAF's that anyone had requested a pay-off. So, to keep this from driving out, I paid over the phone the remaining $422 and overnight my check to the address that I was given by the "supervisor".
A week goes by, and we get the check back! The letter that came with the check stated that we didn't have an account with Wells Fargo! So, I call WFAF. AFter 2 hours on the phone, I finally spoke to someone who had a little bit of intelligence. She explained that the 'supervisor" gave me the wrong address. She told me that if I would overnight the check again to the correct address, they would back date the interest and penalties to 8/31. So, once again, I did as I was instructed too and overnighted the check. For 3 weeks, my husband and I rec'd threatening calls, stating that if we didn't pay the remaining $53.23, they would come get our car. I spoke to numerous reps stating that they were going to waive the $53.23 due to their mistakes, but to no avail. I finally caved and paid the remaining balance to get my title released. So, buyers beware! I wouldn't finance a dog house through these people. They lie, they manipulate, and don't stand behind their word at all. This is by far the worse experience I have EVER had trying to pay a vehicle off.
I had a similar problem with Wells Fargo also. In my case they said my insurance had expired (it had not), and if I could not prove I had insurance within 15 days, they would buy insurance and apply the cost to my account.
After providing my insurance info, I was later informed that their address was incorrect, so once again, if not corrected,...
The situation was taken care of, however, I'm am going through another problem with Wells Fargo involving them taking an extra payment out of my checking account.
This has yet to be resolved.
In the short time that I've dealt with Wells Fargo leaves me with the opinion that they are pathetic!
They are doing the same thing to me! I just filed a complaint with the better business bureau. They have a website, and you can file the complaint online. I am hoping that this will resolve the situation.
I think that this is just a scam that Wells Fargo is running.
Cash checks almost always short, one time by 1500.00 dollars. The Blanding, Utah branch...
We are having the exact same problem, except they came and took our truck. After sending us 2 "refund" checks totaling $789.42. We have been desperatly trying to find a lawyer to help us but everyone we have contacted just assumes that we are in the wrong because Wells Fargo is such a large company. Please email me if you were able to find help; channa_norman@yahoo.com
Howard you are very rude w/ your damn comments you make it seem like everything is easy to get resolved if you havent been in the same damn predictament w/ this company you need to keep your damn mouth shut.. plus who are you to even considering of asking this man if he's stupid... to sum everything up wells fargo is a crappy company that needs to get their ### together.. im surprised you dont work for them howard you remind me of their damn reps complete *ssholes.
My husband and I recently purchased a 2017 Nissan frontier from a Honda dealership, and they chose wells Fargo to finance for us. They even helped us pay off the remaining balance of the car that we had as a trade in. The total finance was something over $14,000. Our credit isn't bad, but the best the loan dept could get was 17.7% interest. WHAT?!?!
The payments weren't bad though, but we had just had our 1st child 2 months later & with the days he missed on non-paid company holidays and my non-paid maternity leave, money got tight. We only owed $740 total, but we had to eat, pay for gas & take care of utilities and rent, the cars just weren't that high up on my priority list. It wasn't like we could live in them if we didn't pay rent, or eat them when we got hungry. I can truthfully understand if I were trying to rip them off and just say "screw them", but we are an average working class married couple with a newborn child, who has their financial ups and downs (who doesn't these days), but we are definitely not trying to not pay for something we purchased. We got 45days past due and these people had been calling 8-12 times daily (on both of our cell phones), from 8am-930pm, 7 days a week trying to collect since the first day it was due on Dec 8.
If I don't have the money, and I tell you I won't have the money until the end of that month (BUT I WILL PAY THE TOTAL AMOUNT DUE + LATE CHARGES @ 1 TIME OVER THE PHONE WITH AUTO WITHDRAWAL FROM A SECURE Federal Credit Acct) , what makes you think that I will have it every time after that when you call BEFORE the time that I told you? That's just plain harassment.
The financing company for my car was way more nice. They understood and waited for their payment WITHOUT calling daily. Wells Fargo CS reps are so rude and disrespectful. One person tells me they will be filing an exemption request for me, and the next tells me that they don't offer that and I needed to pay right then. Figure out what's going on! I finally just turned my phones off & stopped answering them. AND I made the payment, in full, 2 days before what I told them.
To top that off, we had always had full coverage insurance on ALL of our vehicles,Never go without that or GAP insurance, but we got a weird letter in the mail shortly after receiving our monthly statement.We have never had any lapse in policy or terminations of any policy, but it said that they are placing our account under THEIR collateral insurance because we failed to provide proof of insurance. WTF?!?! I started thinking "who didn't do their job at the dealership"? So we fax a copy of the insurance card, mailed a copy to their address, AND have the insurance agent call WHILE I WAS ON HOLD WITH THEM BOTH. They said they would fixed the problem and that we would not have to worry about the rate increase next month. 2 weeks later we received another letter, dated AFTER our previous conversation, stating that we still owed the amount with our next truck payment. I called again and they said they never received a copy of the insurance declaration page. They didn't even have notes on my account about talking to the agent or me during the prior conversation. They say we may have talked to the "wrong financing dept." How many do you have there? I couldn't believe this!
Then I decided to play their game on them. *grins devilishly *I faxed a copy of the information that they needed to the CORRECT fax # AND called them on the correct CS phone # every 30min until they faxed me a confirmation saying that the policy had been canceled and they received the information that they needed. They probably got 14 calls and faxes over an 8hour period :D
I wouldn't wish this company on any of my friends or enemies. They need to be reprimanded from a higher level and I wouldn't even be surprised to see the office shut down. PLEASE DON'T USE THEM!
In 2017 I was approved for an auto loan with Bristol West. About 3 months after having my car I receive a letter stating that Wells Fargo will be taking over my loan because I bank with them and to make all my payments to them now. WTF? They would not even approve an auto loan to me but now that someone else have they can take over? Whatever!
All the issues begin 2017. First the car breaks down and it cost me $790 for a fuel pump and then the brakes go out and that cost me another $500. They fuel pumps goes out at the end of april.07 and the brakes in oct.07. Even with all these issues I still make my payments but when you r short on money it will catch up to you. Now Dec.07 rolls around and I don't have enough to make my dec.22 payment on time because of all the catching up I have been having to do with my other bills. I call WFAF in Jan.08 to see if I can do a post dated check for Dec.07 payment. The rep says yes but the payment has to be at least $800 and some odd dollar amount because I missed Jun.07 payment and I only paid half of Nov.07. Okay I am lost now. I tell her that can't be because I show that I did pay for Jun.07 and if what she say is true, why is this my first time hear about it? She wants to go over my account from Jan.07. I'm cool with that. She says that I made a payment of $450 something dollar in Jan.07. Ok you are wrong already because I show that I made the amount of the payment which is $421.20. She moves forward to Feb and so on. for two more months she states that I paid more then what my bank records show was taken out of my account. Then she states that I missed Jun.07 but Aug.07 to Oct.07 payments was made but Nov.07 only $250 was paid and that They received a payment of $200 in Jan.08. Okay I tell her that so I missed Jun.07, Nov.07 $171.20 was not paid. Dec.07 and Jan.08 has not been paid so I am $1434.80 behind in payments with notate charges being added. Then she tells me that I owe $1442.34 with late charges. So I say that the late charges are only $7.54? She says that the late charges are $180 and some odd dollars. I say how is that If I am 3 1/2 months behind and that My monthly payments are $421.20. She has no answer. Everything she is saying does not add up from the making a payment of more then payment amount to missing payments. I try to post date a check but she tells me that it is not enough and that I need to pay at least $800. I tell her that when she show proof of this then I can send in the payment but until then I can Pay Dec.07 and I will pay Jan. 2/08/08. She states that my account is 71 days past due. I tell her if that is true then where in the hell is the missing june payment you claim I did not pay because if today is 2/3/08 and counting back 71 days then my account became past due 11/23/07. So where did the payment that you claim u received of $200 in Jan.08 go towards? Again she has no answer but keeps repeating to me that my account is 71 days past due and that I owe$1442.34 with the late fees included. So I repeat my self telling her that if I still owe Jun, Dec, Jan and $171.2 of Nov. I should owe you a little over $1600 but you are saying that I owe $1442.34 so how about u add 3 months of 421.20 up plus the 171.2 you say I still owe and $180 in late fees and see if you come up with $1442.34. She states that she needs at least $800 to do a post dated check and I tell her that I can pay Dec. Which is what I know is late and that I can Jan 2/08. She tells me that she can't do it so I tell her then we have nothing more to talk about and to have a nice day . She tells me that they need to know how I'm going to pay the account and I say when you show proof you will get your money. then I hang-up. I'm to the point now that they can come get the car because they have my money but are acting like they don't and their records show things that are not even true unless a money angel came and gave them extra m0ney on my behalf. What really gets me the most is how the reps. talk to you. She was very rude and kept cutting me off. Well I would think that if someone owed you money you would take any money they tried to give you to make the amount less even after offering $500 now and $342.2 the next week that they would have taken it but I guess they are just to good for my money. What was the real killer was that they say I owe Jun payment but nothing was never sent ot me and they are the type of company to call one day after a payment is due so what really happened with my Jun payment? And if that is true why wasn't my July payment counted as june and so forth so that I would be missing Oct. Payment and that my account would be 100 something days past due. This makes me really wonder if WFAF passes out drugs for lunch to their staff! Im starting to think that they think that we as consumers are not very bright people. I can see if I was trying to get over on them but I'm was just trying to give them the money that I know I owe them and that I myself can prove to them that I owe them. She did not want to see anything that I had to show her that I paid Jun. Now I did call them on 1/30 and was told that I could do a post dated check for $421.20 and pay Jan within the next two weeks but then calling three days later and getting a different story really concerns me. Right now I don't trust anything they have to say and do not care about them reposing the car because they can't tell their ### from their heads.
I would not wish this company on anyone. I have had my fair share of issues in life but sometime things happen that are out of your control and you have to do what you have to do. But the worst of my problem is that I can't even traded in the car because I still owe $6000 more then what the car is worth but without the car I was approved for $25,000. Go figure. Looks like I will be car shopping again real soon.
And to anyone out their looking to buy a car, If Wells Fargo approves you ask them if someone else did also and go with them.
Today is the 4th, my payment is due on the 1st and it was sent out on the 28th. I have a grace period and have asked Wells Fargo, via email and phone to not ever call me unless the loan is 10 days late as I do have a grace period. They have called me today a half dozen times and just a few minutes ago called again and finally left an automated message.
In the past they have called and requested to refinance and after the first time they denied me, I told them not to ask again. They called, and again, asked to refinance my loan. When I told them it was no use because they would not be able to help me, they said sure I can help. So, I let them try again and to be told, denied. I am tired of them asking me to refinance to be told they can't do anything for me. I also stated this in writing. I pay all my bills on time and I am not sure why they can't just leave me alone and chase someone that is past due.
I went to review my online billing today and they again, have charged me for things I was never made aware of. Beware!
i purchased a F150 pickup using WElls fargo auto finance they have lyed to me about the way they offer extensions they tell u one thing then here comes another call not even 5 days later asking for the payment past due after stipulating that on a later date they would honor an extension i would not receomend this establishment to any one as getting a loan or financing a vehicle with them
Consider filing a complaint with the OCC, a federal regulator of national banks. Their website is http://www.occ.treas.gov/customer.htm
I am filing a complaint with the OCC as well as the Attorney General's office in my state and the Better Business Bureau. Perhaps if Wells Fargo receives enough complaints against it, it will be forced to treat its customers fairly.
I am filing a complaint with the OCC as well as the Attorney General's office in my state and the Better Business Bureau. Perhaps if Wells Fargo receives enough complaints against it, it will be forced to treat its customers fairly.
My old car got really dangerous, I went car shopping w/ my mom, in 2017 & purchased a 2017 Accent, in August. One year later, I receive a call from Wells Fargo in Louisville, the woman Sheri Latimer stated that she was reviewing loans & noticed that I had always paid on time, she stated that Wells Fargo would like to have the loan between them and myself dropping my mom as the co-signer. I was really happy to hear this, because even when I made a payment, if it had not posted yet, even if it was one day late, they would call my mother - who would then reconfirm w/ me that payment had been made.
So, I take off from work, go to the W.F. A in Middletown, and discuss some things. I wanted to know what my payments would be: the same (of course at a higher interest rate, due to my mother having exceptional credit). I wanted to know if I would still have gap insurance, I was told yes - and cut off, she said "Ariel, everything will be the same the only difference is that your mom is no longer on the loan - it will be just you and us. I looked at your credit score, and you do need to take care of a credit card, however, you can also apply for one of ours. And you are also eligible to get up to $1000 back, that you have already invested in your car."
I swear thats how the conversation went - I was really happy when I left, because finally everything was falling into place... then came August of 2017, when my car got totaled out by a teenager going the wrong way. My gap claim got denied by Beacon Gap - I asked why, and they said because you REFINANCED. I immediately called Wells Fargo, & told Tammy, a long standing employee there, and I got Beacon back on the phone, Tammy argued that they were wrong to deny the claim, due to me being on the original loan. WFA basically thought that by me being an original olbigator with the original loan, that it transferred over - but it didn't. I would have had to open up a new gap claim at the time of the signing in September, just as I did when the car was first purchased in August of 2017. My gap ins would have cost me somewhere in the $300 range... had I known - I would have gotten it, when I received the invested money in my car... if Ms. Latimer had just told me bluntly that she did not know whether I still had gap insurance, I would have called Beacon myself and taken care of the issue, I had the money to pay for it. SO now, I get phonecalls all the time from Wells Fargo, all of them having no idea of whats going on - I have a $3000 gap, and I am now making payments of $276.59 each month, plus my current car payment - I realize that mistakes happen, but I asked all the right questions, and was told the wrong information! And because of that, I am suffering - I asked why is there not a disclaimer that includes your new account number, to say that if you previously refinanced to contact your gap subscriber - but I was informed by Trenice in the W.F.A that the consumer should be aware - I told her that I was aware - she told me that I should have read my gap claim policy better, and that W.F.A wants to get this account taken care of immediately - my loan payoff date was not until 2017 - I asked if it were possible for them to work with me, maybe do $100 a month - no was the answer, "Your agreement was to pay 276.59 until the loan was paid in full." I reminded her that I was not the original signer of the gap paperwork, my mother was, and that I inquired at the time of signing if gap was still on my vehicle. Trenice told me that "THAT WAS HERESY."
Conversation over - I am so filing in small claims court - this company is terrible - if they did not know, they should have said they did not know at the time, instead of telling me that I still had gap, OR they could have said "Let me take a look, you know I am not sure, it would be best for you to call Beacon & contact them." I believed their words, and thought they were right - implied covenant of good faith.
Every single branch, dept., area etc. of Wells Fargo has to be the most unprofessional, unknowledgeable group of people I have ever dealt with. My situation deals with the WF Home Financing and I also will have a comment under the "auto" section. My husband and I were FHA "pre-approved" in October 2017 for a home. We did everything they asked in a more that timely manner. We found ourselves having to repeatedly fax the same documents over and over. I kept saying "we've already sent that" and the reply would always be the same. "Underwriting needs it". So what exactly is underwriting doing with all this stuff I keep sending? The "specialist" (at least that's what they call themselves) kept asking me for two months and at least more that half a dozen times what our relationship was with the seller. I answered the same everytime, "he's my husbands employer". I told her that I had answered that question numerous times before and of course her reply was "underwriting needs to know". WHATEVER! It got the the point to where I felt that I was being interrogated and that they were suspicious of us, like we were trying to pull some shady deal over on them. What, because the seller is my husband's boss? So finally we had pretty much everything done and were about set to close, shooting for the end of December. The "specialist" we had been dealing with had gone on vacation the 3rd week of December and someone else was handling our loan. The fill in "specialist" called us on December 28th to tell us that the loan could not be done because of something called an "identity of interest". This being the relationship between us and the seller. Apparently you can not buy a house from someone who has any financial interest in you. So ok, you people couldn't tell us this back in October when you started questioning us about it? Or maybe even in Novemeber when you were STILL questioning us. OH NO, let's wait until just a few days before closing. Well, that's not the end of it. The "specialist" comes back from vaca and gives us a call to tell us that that was just FHA and that we could still re-submit for a conventional. So we did, since they already had all of our info. A month goes by, we can't get any response by phone, email etc. Finally we make a call and talk to yet another person who can not seem to explain things clearly and talks Mortgage jargon like we all do this for a living. He explains that the "identity of interest" is still an issue no matter what type of loan we apply for. Remember we have waited another month to hear this AGAIN after being misinformed so many times before. His attitude was basically, "Oh well, she was mistaken" . He even acted like we should've known this all along. I guess they don't believe in taking any action against employees for that kind of thing. After months of this, we are mentally exhausted and the thought of even starting over with someone else right now is not happening. We signed a six month lease for an apartment and will work on clearing our heads for now. These people have no concerns about how this has turned our lives upside down and put a HUGE strain on every apect of our lives. We have two children to take care of and both work full time and that doesn't stop during stressful situations. FIVE months of this. You don't realize how difficult and exhausting this can be unless you've experienced this or something similar. To them, it was like OK WHATEVER, SUCKS FOR YOU and on to the next VICTIM. No regard whatsoever. You may think you're different and it wouldn't happen to you. We're normal voting, law abiding people who pay our bills and it happened to us. Please don't ever use Wells Fargo (any division for any type loan) and share this with anybody who is considering them. If one doesn't have problems up front while making the loan, I can almost promise that you will later on when it's too late. They are untrained, unprofessional and don't take responsibility for their mistakes. We have to make them accountable for all the things they've done to people. We have yet to have talked to anyone who has heard of this "identity of interest", at least in our situation. We are having this looked into because from what we've learned, this regulation, law whatever it is, shouldn't apply to our situation at all.
Wells Fargo has to be stopped. They call all day long. I did answer the phone Sunday, told them I was going to Church. I can't beleive my cell went off in Church. Sure I left it on, but they knew. Now you can disrespect me still until your soul is content or until I hang up.
Now to disrespect God you have to be the living Devil. Thats a Sin.
Wells fargo will close one account after they suck you dry and then they just write the other one off. I m definitely taking you to court to recover my money. Wells Fargo just closed down 2 draft accounts, and they were all paid ahead. Now the money I was sending in for the draft checks they just put it where they want it and after a year Randy Ranking (Colorado Spring@ Academy Branch) said he did not agreee with the contract, therefore he said that was a write off. I'd love to take them to court . I only owed $2045.00 on the account he has me owing almost $5000.00. Its wrong the way they do people and nobody is doing anythng about it. When that girl called the Church that was the biggest mistake she'll ever make, but God said Vengence is Mine. ( yes I said girl, because only a girl (child) would call the Church)
Vanessa Choice
My daughter bought a car, I co-signed due to her credit rating. With this company charging so many late charges and late penalties, two years later, there is just as much owed on this car as originally financed, even though the loan payments have been up to date several times. Grant it she has been late a lot due to financial hardships caused by an x-husband and trying to raise two young children. She has worked with Wells Fargo as best as she can, but these inflated late fees and penalties make it impossible to get ahead. Phone fee assessments, other charge payment, late charge assessment...
At one point, they had sent a statement showing only late payment charges due. I sent a check for the amount and even "cushioned" it another $200. The next statement, they had applied the full amount to interest only and then applied past due charges and inflated the original late fees. They did not apply this extra payment I sent to the late fees at all.
They continue to call her and myself starting at 8 am until 8-9 pm everyday-7 days a week. I had moved to a different location and of course required different telephone number. Somehow they discovered this and have started their harrassing calls again. She has a new great job and is trying desperately to get things together, but they have started their harrassment calls there also. They don't stop and think if she loses this job because of these calls, there won't be any payments. I at this time, do not work and am on a fixed income - I cannot help this situation and I have told Wells Fargo this.
She and I are at our wits end with this company. We are drowning and see no way to get our head above the water. My credit rating was perfect, but it has dropped substantially due to this company not willing or aiding and then actually adding additional outrageous charges. We don't know what to do about it.
How do they continually get by with this?
My credit worthyiness is very good, borders on outstanding. I have never delt with such a bunch of cheats as this. They call me 3 times daily even though I have not gone over the 10 day grace period allowed by law. When I informed the gentleman that I was recording our conversation he immediately hung up the phone. I only wanted him to stop calling me 3 times daily. I also informed him that I was filing a complaint with the state attorney general of the state I live in. I will never do buisness with this company or any of his affiliates.
First of all...take responsibility for the fact that you cosigned for someone who already had shady credit, and now your credit is harmed because of it. Wells Fargo didn't do this to you, your daughter did.
And with regard to the "10 day grace period allowed by law"...that's completely false. The grace period is a Wells Fargo policy, and it only applies to the late charge. They can still call you at 1 day past due. There is no law. Know your facts.
Do not lease from this company. They will charge you for every little problem with the car, it the tires aren't brand new and top of the line brand will charge you an exhortation price for new tires. It's comparable to doing business with a bad mortgage loan company. I will never do business with this company again and would only lease from the car manufacture no matter how much more it will cost, as the banks are no longer consumer driven. They force you to either buy the car or release, if you don't they will overcharge you big time. Here is an area where consumers need to file a class action law suit as our governments do nothing and give them a free hand at ripping the consumer off.
Wells Fargo Auto Finance is charging me exhorbitant fee's for excessive wear and tear that is not evident on my returned vehicle. I think they systematically do this to rip off clients who have leased vehicles. I am thinking of a class action suite against the company.
I have gotten behind on my loan. I have tried several times to speak with customer service to try to fix the account and get it current. About a month and a half ago I was told that my account was current, but then a few days later, I received a phone call stating that a payment from JULY was missed. So, that made my account behind again. They told me that if I made a payment of $312 that would bring my account current. While I was on the phone with that Customer Services Rep, I received another phone call from another person at Wells Fargo. She left a message saying that I needed to contact her immediately. I called her back to let her know that I was just speaking with another rep. This representative informed me that I still needed to pay $273 to get my account current. Then I received a call today, about two weeks later, stating that I am behind 2 months and needed to pay $1088. Every single time I talk to a different representative at Wells Fargo Auto Finance, there is a different amount due. Nobody can stick to the same amount. I also think that something is VERY wrong when they tell me 4 months later that a payment was missed. Every time I call they tell me that if I pay a certain amount, then I will be able to defer a payment. I have been told that SEVERAL times but have yet to see a deferment. I just wanted to get my account current, but every time I try, they come up with another story as to why I owe more money and my truck is back in collections. I have always done what they said I needed to do to get it caught up and made the payments that they told me to. I should not be in constant fear that I am going to lose my truck just because someone changes their mind about how much I owe. The amount should be a constant, no matter who I talk to.
First, the calls begin one day after the payment is due and they will call everyday until it is paid. They break rules of FDCPA, regarding multiple calls in one day from the dialer and use heavy tactics for a loan within 7 days of late payment. The collectors are abusive and refuse to allow you to speak with a manager, which is blatant against FDCPA. They hide all phone numbers to contact anyone except the call center, and disconnect the call if you will not give them a payment over the phone. If you give a payment over the phone, they will date it incorrectly and then call you a liar, or one time I told them when I believed I would be able to make the payment and they put through a check with no approval. I am disabled and income comes in on a different day every month, as I receive SSDI instead of SS retirement benefits. If your loan is one day past due, they will not allow you to call customer service, it routes right back through collections and another refusal to speak with management regarding improper business practices. I have been employed in this line of work and used to respond to complaints from proper sources. Well, here I go. I am tired of the way they talk to me.
I unfortunately due to unemployment fell on some hard times. I have both my mortgage and car loan with Wells Fargo. I fell behind on my car payments. I have called customer service and made arrangements to catch up on my back payments. I have been making my scheduled on-line payments as promised but that did not stop the collections division and repo. division to stop harassing me at least ten times a day. I was even called by a repo person who threatened that he was going to come to my front door and “get me” if I didn’t give up the car. I tried to explain to him I had just made a payment and another payment was coming out of my account in two days. He started to mimic me and yelled “give me the f**king car lady. I don’t want to hear you bulls**t! Do you think I’m playing?” I hung up and he called me back and started yelling at me again. I called Wells Fargo collections department and spoke with my “account manager” who was almost just as bad as the repo. guy. I demanded to talk to a manager but was yelled at instead and hung up on three times. I reported them to the BBB, Consumer Protection, and the FTC. I don’t know what else to do.
Wells fargo finance is the worst. The complaints I have are too numerous to list. I have finanlly (so I thought) paid off my loan. I paid 2 months together to finish the loan (60 months). They say I still owe them 2 months which is totally untru and I have sent them documents to prove it and a printout from their company of all payment made since 2017 that ends 2017 with a zero balance. Now they are threatening to repo my car - can you believe this.
We had requested a two month extension due to my husband being out of work for 9 months. We received a letter stating that our request for extension was accepted. What the letter didn't say was that it was only a one month extension. Our 1st payment was due December for the two month extension...but since it was a 1 month instead when we paid the December payment we were told we were now 1 month behind. They should have worked with us to resolve this. Instead we get to talk to their collections department 3 or 4 times a day...and they are such a "lovely" group of people. We are tired of being harrassed. It was their error and they should work with us to resolve it.
Totally agree with you on Wells Fargo Auto Finance Customer Service (Collection Representatives). I have recently gone through a divorce and have 2 small children. Granted, I have been behind with my car note. However, I have never been talked to in the manner in which these individuals speak to someone. I was told, when "trying" to explain my situation about going through a divorce and trying to catch everything up, that I "picked him"! That I was a "piece of trash just like he must be". Calls on my job, even the week after paying a large sum to them. It is their "policy" that when you call and tell them you will contact them on a certain date to make a payment, they will not contact you for 5 days then they are required by "policy" to contact you. So, your arrangement to contact them for payment is really no arrangement at all if it's not within 5 days from the day you are speaking with them. One representative told me he would continue to call my office if I hung up until I paid him right then. I did hang up and he ...Called me right back refusing to let me off the phone! This is against the LAW. He threatened to debit my account without my authority to do so. Needless to say what kind of mood this left me in. They have not respect for human life, no respect for themselves nor the people they are speaking with. Trying to work with them in a civilized manner is IMPOSSIBLE. Wells Fargo Auto Finance Management truly needs to look at their 'POLICIES" on collection practices. Oh, by the way, the individual who told me "you are a piece of trash" ... his name, or he said it was, is Danny. He calls from Florida. Yes, I owe them. Yes, I'm paying them. I have made 3 notes with them in January and received a call today at my place of work. Good faith efforts mean nothing to these people. I would NEVER RECOMMEND THIS COMPANY TO ANYONE. That is the very best I say about them. Until you experience them, you can't imagine! AWEFUL
I couldn't say it better! DO NOT USE WELLS FARGO AUTO FINANCING. And I mean PERIOD. They have completely made me crazy! STAY AWAY!
I have been reading complaint after complaint about Wells Fargo Auto Finance and I don't understand how they can remain in business honestly. My wife and I have two vehicles with them, an 06 Ram and an 06 PT Cruiser. The PT we have been able to keep up on our payments as we can afford them right now. The truck on the other hand we cannot and have been struggling for about a year and a half since I hurt my back at work and lost most of my income. I work for the State of California as a Peace Officer and when I was working the almost 800 dollar payment every month was easily affordable. Since I injured my back though my income has dropped by half and now we are living pay check to pay check. We have done everything that we could to get rid of the truck as far as selling it or trading it in for something cheaper. The problem is is that we owe too much on it and no body will take it. After a year and a half of struggling we decided the best way to go would to be a voluntary repo. We were denied this and when we called to suggest it were told that we had to keep trying to sell it first. The lady put lies on our account saying that we had a death in the family and that is why we are late on the payment and that we would make our payment on the 24th of the month. She said that we get paid on the 23 which was a lie too. in the 2 plus years that we have been making our payments every time we made any type of payment arrangement it was on the 1st or 15th as that is when we got paid. Along with the cursing at us and belittling us saying that we can't blame the economy on our late payments we got nowhere. I find it funny that we can't blame the economy on our late payments and not being able to make our payments but they will ask the government for millions of tax payers(us)dollars because the economy has caused them to be unable to pay their bills. We are not trying anymore to have the truck voluntarily repo'd. Today we tried to call and request that our loan be extended out another 6 years and our payments be cut in half. We told them we don't want to get out of any payments and to put the late payments at the end of the loan. Denied again. Denied after telling them that this is the last option, if they want to repo the truck it's fine, come get it. They can sell it for pennies on the dollar at auction and try and sue us for the remainder. They won't get far though because we are going to file for bankruptcy if it comes to that and they won't get anything from us. I don't understand why these people don't want to help out if it's going to get them their money. It's the bankers fault for all this happening in the first place. Giving out loans like they are used under ware because they wanted their money now. Now what has happened? It has all come crashing down on them and they have no one to blame but themselves. Not just with auto loans but with home loans too. All of the people who went into these homes with these ridiculous mortgages because the banks just wanted to make money. All it has done is hurt American's and put us in this recession that they don't want to believe has come upon us. If anyone knows anything that we can do please let me know. We, as are many other American's, are at our wits end. We don't know what to do and are getting further and further behind with everything. Please help.
My Husband and I are with you. We have spoken to the so called collectors and are getting no where. They lie to you and hound you to let them draft money out of your account. It's not that we don't want to repay the loan, it just we are strained right now. My Mother passed away last June and had no life insurance. Guess what, they won't bury anyone unless they know they had life insurance or you pay upfront. So, guess what we had to do? Yes, that's right, we had to write a check to pay for the funeral and burial upfront. $15, 000 + to get it done, and that was the lowest cost. This does not include the opening and closing of the grave site, that was an additional $2017. So needless to say, our bank account went to about null and void of any funds. But we struggle on. As we all know, life has it's obstacles and we try to overcome them, but sometimes life kicks you in your teeth. In October of last year, my Husband comes home and tells me he had just been laid off of his job after 20 years. No severance pay, no offer to let him stay and take a pay cut, just sorry, business is bad and
we had to let you go. He was stunned and astonished. He could not fathom that after being with a company for 20 years they would just kick him to the curb. Again, life goes on. He did however find employment with a company making less than half of his previous weekly salary, but was glad to have a job. I also was able to find employment, also at half of my previous salary. Even with the income we had, we found it increasing harder to make our payments and decided to call ahead and try to work something out. At that time, they could not do anything for us since we were not behind on our payments. They did not want to help us then and they don't want to help us now. What do ya do? We have talked and tried over and over again to work something out, but it seems like we are just wasting our breath. All they can do when we talk to them is threaten us with liens and wage garnishment. We were even told once they would give us a 2 month deferred payment if we would send in a payment at that time. So, we postponed a payment for something else and sent the payment to them. When we tried to get back in touch with the lady, to get the payments deferred as she promised, she would not return our calls. Finally after a week she called back to talk to us again since another payment was coming due and demanded permission to draft it out of our bank account. When my Husband asked her about the paperwork for the deferred payments, she said she did not tell him that she would deferred any payments and would not do so. I wanted to tell her what a low down piece of, well anyway you get how I was feeling. So, my wonderful Husband left her a message on her voicemail, that we were trying to get money together to make the payment, but I would not give them permission to draft it out of our account. She called back and left a voicemail that our loan had been sent to the repo department for pick up. He again called her and tried to get her to understand the magnitude of the dilemma, but all she wanted was a date payment would be made or our vehicle would be picked up. So, that is where we stand as of now. We do not know where to turn or how to evade this conclusion. We are as you would say, out of options. Of course, we never had any to begin with. It is all about the all mighty dollar and the heck with the people that actually work and try to make ends meet in today society. The everyday average Americans are the ones that will pay for the Executives of the World to have all their excess extravagance. If there is anyone out there that has a solution, please let us know.
I was told that I had a 10 grace period when I first opened an auto loan with Wells Fargo, however that was a lie. The collections departments starts calling OVER AND OVER AND OVER after two days being late. I had a 10 grace period with Toyota and they NEVER did anything as silly as this bank. I would have given my business to someone else if I had known the kind of liars these people are.
I am looking now to find another company to refinance with because I cannot deal with Well Fargo and their foolishness.
My car is almost paid off. I recently changed banks and thought that Wells Fargo and I were straight.NOT! I received a nast phone call from some obnoxious beyotch! named Arlene W445 was the info. she gave me. I have never been late with a car payment. Wells Fargo is nothing but a bunch of incompetent buffooons! I filled out their paper work to change the bank account. I even sent them a voided check! so wtf?! is the problem. Why do we have to babysit these banks?! and credit card companies?! In the age of computers, they can't get a bank account right?
This Arlene was the most rude, obnoxious, hateful, wench! I have, ever spoken too. My car loan will be paid off soon and then it's adios to Wells Fargo. Poor customer service, incompetence and dishonesty. Isn't it sad that we the customer ( remember us?! ) have to watch these banks & credit card companies 24/7 or our credit will be in the crapper and we will be gauged with late fees ect. This is not America anymore :( there is no honesty or customer service. It's no wonder that we are failing :(
Have you heard from any one of those agencies regarding how to hold Wells Fargo accountable? Have you emailed anyone in upper management within the company? I'm curious how I, too, should proceed.
We have no business with Wells Fargo Auto Finance, but their employees keep calling us. Sometimes they said they're calling Pedro and sometimes just left their first names & phone number and ask us to call them back.
I remember I answered their call and told them no Pedro with the number they're calling. I think it was 3/27/09 Fri 12:15pm. However, they still call us.
Sometimes they show their phone number [protected], sometimes they hide it. Their phone numbers shown on screen on the following dates and call times ("No Name" is shown on screen):
3/21/09, Sat, 3:20 pm
3/22/09, Sun, 10:50 am
3/22/09, Sun, 4:02 pm
3/27/09, Fri, 12:15 pm
They hide their phone numbers on the following dates and times ("Withheld" and "No Number" are shown on screen):
3/23/09, Mon, 3:07 pm
3/23/09, Mon, 4:18 pm
3/24/09, Tue, 9:46 am
3/24/09, Tue, 11:13 am
3/26/09, Thur, 4:10 pm
3/31/09, Tue, 10:20 am
Two callers left their first names "Randal" and "Anthony" while leaving their number [protected] and asked us to call them back -- didn't mention the name Pedro. That was after I asked them not to call and no such person they're calling for.
Again, we have no business with Wells Fargo Auto Finance. It could be:
1. they dial a wrong number, or
2. Pedro didn't give them his real number
They're calling to a cell phone number and we have this number for years already, so it's barely possible that this number belongs to Pedro. I think they start calling us in 2017. I don't remember what month because somehow all of the sudden some other people called and asked for Pedro before March 2017. Then we start paying more attention to these calls since Wells Fargo Auto Finance has been calling non-stop and we felt harassed by them.
they harass us 8-9 times a day, over a suv that we owe 6100 on and can not afford anymore, we told them to come get it and they will not do it, this vehicle has been nothing but trouble and does not even crank, we also are having to send back an 08 kia financed through another company, but that company has not harassed us YET
I went on March 13, 2017 to refinance my vehicle. They were insistent that they could give me a great deal. Long story short, during the refinancing they began to discuss home equity loans. I fell for it hook line and sinker. Signed a bunch of papers with the loan representative's innocuous statement "sign here, this is just a form stating that we have the authority to retrieve copies of your W2s", "sign here . . . etc., " Well, unfortunately, I signed a bunch of papers and did not read anything very carefully. Initially, I was paying 11.25% on a 2017 BMW, had been paying $272.00 for one year and owed approximately $10, 000 on my vehicle. I left the office with the statement that all paperwork and my check would be sent through the mail and at that time I could review everything and if I was in agreement, I could cash the check, thus sealing the deal. Well, none of that happened. Here is it is April 17, 2017 and I have yet to receive any paperwork from that office and I have not received a check. I was initially told that it would be for $5, 900, but paperwork that I subsequently got from the auto office in Arizona shows only $1, 851. They added paperwork behind a page that I apparently signed and it shows that my new percentage rate is 20.33% for a monthly payment over 54 months of $350.00 for a total of $18, 900.00. When I called (for about the 100th time), I was told there was nothing that could be done, that I had signed the paperwork and that I was bound by this contract. The manager of the branch actually told me that he didn't know why I was complaining because he thought that I had received "a sweet deal".
They are sweet and charming at the beginning of the transaction and will bend over backwards for you. Once they get your signature, they are rude and will not return your calls. I guess I will eventually receive all paperwork and my check from them, but I'm not going to hold my breath.