WACHOVIA DEALER SERVICES Contract Violation Irvine, California

July 08 Wachovia finds me creditworthy enough to loan me $18,000 for a used truck.I signed all necessary paperwork, including the one that said I must provide insurance.

Could not get cert. of ins. to Wachovia on timely manner, so they slap on a $1000 policy to cover them.  When I finally got the insurance straighten out they credited me $750.  So I started paying an extra $50 a month towards this balance with my truck payment figuring that since they loaned me $18,000, $250 should not be a big deal.

Six months later (after $250 balance is paid-off) I get a letter from Home Depot informing me that my card has been cancelled by them for "negative info" on my credit report.  After checking my report, sure enough, 5 months late truck payments on the report.  I have NEVER been late with my truck payment!!  Call customer service 800 #, get the run around, etc. along with "Well, you signed the contract".

Try to go to local branch: Sorry we don't handle stuff like that here.  Try to make payment in local branch: Sorry we don't take payments here.  What the $#%$%^? You're a BANK!!!

Reading the contract I can find nowhere where they can report a insurance premium as a late truck payment.  Of course, this dropped my credit score to 602.

Wrote to CEO Thomas Wolfe, his office calls: "There is nothing we can do, that's just our policy".  Any ideas on what to do next?  Picket the branch with a sign reading "I got the shaft here" comes to mind.