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Report: #332262

Complaint Review: WACHOVIA PREVIOUSLY KNOWN AS WFS - CHARLOTTE North Carolina

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  • Reported By: SEATTLE Washington
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  • WACHOVIA PREVIOUSLY KNOWN AS WFS 301 SOUTH COLLEGE STREET CHARLOTTE, North Carolina U.S.A.

WACHOVIA PREVIOUSLY KNOWN AS WFS We purchased a Kia Sorrento in July of 2005 and were "stuck" with Wachovia as a financing company. Since then it has been an monthly battle to get them to credit payments made as well as continually having to provide proof of our CHARLOTTE North Carolina

*Consumer Suggestion: Did you pay by check or bill pay?

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We have had an auto loan through WFS, now known as Wachovia, since July of 2005. From the very beginning, it has been a monthly battle to get them to credit payments made, (even though bank statements were provided as proof) as well as continually having to prove we have maintained our Geico insurance policy on the vehicle. In December of 2006, we were, yet again, battling with a "customer service representative" named Eric C. He would simply not accept the proof of payment from OUR OWN BANK RECORDS! He called us 'losers' ,as well as stating that if I didn't stop being 'harsh' with him, he was not only going to send over someone for the car, but to 'teach me a lesson'. I hung up on him and the next morning a 06:00 the Kia was REPOSSESSED! We, obviously, were beside ourselves and had to pay in excess of $2000.00 to "get current" and satisfy the "fee's" for the repossesion. After that Wachovia bought out WFS. I kept every single statement, as well as proof of every single payment. I thought Wachovia may be an easier company to deal with so I was happy with the transfer, however, I was sadly mistaken. Wachovia evidently decided to keep all of the previous staff of WFS, including the criminal who threatened me! Needless to say the battle lingers on and on and on. With the same caliber of people. After the repossession, I filed a complaint with my state's Attorney General, however, WFS stated and provided proof that I was less than 1 week in arrears on our payment, so they, according to the law, had the right to repossess our car. They stated that according to law, we could be ONE HOUR late on our payment, and they would have the right to repossess.

I'm now dealing with them, yet again, for the same issue. My car payment is due on the 20th of the month. Bank statements prove that my payments are on time, yet Wachovia, not only refuses to acknowledge or discuss these facts, but is now threatening us with more talk of repossession. Eric C. has yet again threatened my husband, and call him, this time, a "deadbeat" We asked them if they had recieved the bank statement faxes, and according to them, they had not. This is the most unbelievable lack of ethics I have ever witnessed. Wachovia is, according to press releases I've read, in no position to abuse consumers, yet seemingly, it is still happening on a consistant basis. I would love to speak to an Attorney regarding these issues, and also hear from others who have had to endure Wachovia abuse. I'm also filing yet another complaint with my AG's office, as well as our local BBB. Please feel free to contact me with any valid input. Thanks for letting me vent. This has truly been a consumer nightmare.

Karen
SEATTLE, Washington
U.S.A.

This report was posted on Ripoff Report on 05/12/2008 07:54 PM and is a permanent record located here: https://www.ripoffreport.com/reports/wachovia-previously-known-as-wfs/charlotte-north-carolina-28288-0013/wachovia-previously-known-as-wfs-we-purchased-a-kia-sorrento-in-july-of-2005-and-were-stu-332262. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Did you pay by check or bill pay?

AUTHOR: J G Shrugged - (U.S.A.)

POSTED: Wednesday, May 14, 2008

Copies of your bank statement prove that you don't have the money anymore. It doesn't prove that they have the money. It's the senders responsibility to ensure the payments arrive, which I believe is an outreach of the "standard terms" of the UCC, i.e. FOB Destination, which means that the sender of something maintains title & responsibility until it is dropped off at the recipient.

If you paid by check, get copies of the checks, and submit them to Wachovia. If they claim it wasn't cashed by them, call the police for a theft report and figure out what bank & account # it was deposited to go after the money. If they were cashed by Wachovia, they should reimburse you for everything extra that was charged by them.

If you paid by bill pay, you need to get copies of the payment from your bank. If they paid by check, you should be able to get them. If they paid Wachovia electronically, then have your bank dispute it with Wachovia.

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