WELLS FARGO AUTO FINANCE INSULTING CUSTOMER SERVICE REP POWER PLAYED ME Phoenix, Arizona

My car has a repo order on it.  The company who has the vehicle is the who you need to speak with in order to receive the vehicle back.  I know this because I was told by an atty that if they did repo the car, then I would have to pay the repo company directly for the vehicle as well as any fees the company would assess.  He said what typically occurs is the repo company will purchase the dept and that inturn makes you indebted to them. 

some repo companies will charge $5K for the repo and most of the so called repo companies Wells Fargo Auto uses are owned and operated by them. 

Insofar as the nasty reps, I have someone assisting me and they have POA to speak to and deal with WF.  WF is not to call me at all.  My POA received a call from WF and they stated "I can and will ruin her credit if she doesn't pay", "Do you want us to ruin her for life?"  My rep knows not just the law but also what reps can and cannot say.  That is one big thing they cannot say.  They are bullies.

My POA received a call from the repo company and the rep stated "she is skipping out on a debt'.  They cannot say this.  it is illegal per the Fair Debt and Fair Credit Reporting Acts.  He advised them of the fines per occurance. 

We have yet to hear from again and this was 4 months ago.   All I can say is to contact the repo company and if you need to, file a complaint with the Federal Trade Commission..  I really dn't know what good it does though.  WF ignores requests for info from the FTC as well as the Comptroller of the Currency.  Apparently WF and its associates are above the law!

Because it sounds like the only RipOff may be the way you are running your company.

If you are not paying yourself, what good are the financials of the "company" going to do.  Is it the companies car or your car?  I am sure the IRS would love to know about this arrangement where you don't pay yourself but are able to redeem a reposessed car based on COMPANY financials.  If you wanted to prove YOUR finanical worthyness you would supply them with YOUR tax returns proving income, how ever you get it.

But lets say you do redeem the car,  how in the world are you going to continue to pay on the loan with no income?  Again, this sounds like you and your partner may be doing something I am sure the IRS would be interested in. 

I am NOT defending their attitude, and it does appear there was some "attitude" on both side.  But you borrowed several thousand dollars for a car.  Part of that agreement was that you would pay back a set amount of money each and every month.  It was not only IF you can, or only if you don't have other problems.  It was EVERY month.  Once you became behind they reposessed the car.  They are under NO obligation to let you redeem your car and continue payments, especially if they feel that you won't be able to.  This is why they appear to be requiring you to pay off the loan in full in order to get the car back.

As for the balance you think is incorrect.  You need to make sure you are including the additional interest, late fees, repo and storage fees into the balance you think you owe.