WFS Financial ripoff Santa Ana California

Call Me STUPID? Not Hardly. I am a business manager for a large company and I know where my money goes, both personally and professionally. I sent a check for my car payment, it was cashed and three days later I get a phone call from a very Rude individual named Monica..... She wants HER payment for month so and so....I gave her the Check number and told her that the funds where already pulled from my account on that check to WFS Financial. She became aggravated and told me I was mistaken, that no such check number was sent, and said, "Come On Linda, Tell Me what is Going On, Why can't you Make you're Payment???
What? She told me I had some options, I could defer a payment,
Pay an extra month, at the end of my Loan? Oh with a small service charge, of course....

NO, I won't be doing that Monica, I already sent my payment..... Monica tells me that I owe an additional thirty dollars because my payment is late, and that late payment charge will continue to grow if I don't clear up my account. I wasn't even due technically for that month. I laughed at Monica and asked her who her Supervisor was, she told me that it didn't matter who her Supervisor was, because he would tell me the same thing. I asked her a criteria for her Job was to be rude. I told her that I was a customer and I was the reason she had a job, and got a paycheck. She was very hostile and upset because I was amused by our conversation. I told her that I would not be giving her another payment, that she needed to update her files. She was so angry that I told her I was going to hang up from her abusive tone. She Told Me, "If you hang up on me, I have no choice but to refer you to a case review manager, and that means they could revoke your Loan, and we could reposess your Stratus!" I told her that I would Love to talk to My "case" Supervisor. (SOUNDS LIKE WE ARE ON TRIAL FOR MURDER, DOESN'T IT?) I never got to talk to the review person or a supervisor... On one month I used surepay,
automatic transfer of funds from my checking account and a nightmare began....The following month WFS Withdrew another payment, without authorization..... And cashed the check I sent
them for the payment, TOO. I had bounced checks on my account I have had for six years for the first time.... I called WFS to
collect one of the payments back and they told me NO....They also told me that I was mistaken, that they DO NOT Keep our Checking account information on file.... I told them that was a straight out lie, because the individual I spoke to to set up the Surepay payment had my checking account information.... A heated conversation insued and I informed them that they would
credit my account or I would file a law suit. I was reminded at that time that I was being recorded. I told them GOOD< SEND ME A COPY FOR MY LAWYER.... My account was credited the overpayment, but the bounced checks I paid for...I never received an explanation or apology. I do not send payments by mail, or pay with surepay either. IT IS A CONSTANT headache.

I pay by Moneygram, that way I have my receipts and a third party company as a witness. I have instructed my bank to never send funds to WFS.... A truly legitimate business could be trusted with my bank information I think...

I hope someone learns from my mistakes....

Linda
Globe, Arizona
U.S.A.