I am seeking national information from other consumers regarding potential consumer fraud through the direct actions of Wachovia Dealer Services (Wachovia Financial Services/WFS formally known) and including but not limited to Wachovia Dealer Services strategic partnership with Balboa Insurance Group; a subsidiary corporation of Countrywide Financial Services (CFS-NSE). The purpose of this consumer inquiry is to question the possibility of a national class action law suit regarding potential consumer protection violations with reportedly known aforementioned public companies and any or all yet unknown or potential investment companies associated with the initial possible corporations, company's and associations hereto yet proven.
I am a consumer and did open an auto loan with Wachovia Dealer Services in 2007. Prior to accepting the new automobile, financed through WDS/WFS, we documented and provided full disclosure of a million dollar plus auto insurance policy which fully covers the said vehicle. Faxed copies, certified mail copies, and regular mail copies were subsequently directly administered to and received by Wachovia Dealer Services via fax, mail and agent confirmation telephone contact as requested through WDS; as well as Balboa Insurance Group via the Balboa Ins Group public fax number, website address included on correspondences from WDS (ihaveinsurance.com) and certified mailed copy of full covereage sent to WDS and BIG's company provided contact information.
We documented numerous phone contacts with BIG and WDS confirming auto insurance coverage over the course of approximately 4 months. We have thoroughly documented all contact with BIG and WDS as have our Insurance Agency and policy holder provider agency.
We have been assured by WDS via customer service rep "Bill" and customer service supervisor "Nick" in the California based office of WDS (800-289-8004) that the error on the fully responsible part of WDS via Balboa Ins would be rectified and the fraudulent attempt to continue to charge my loan account for proven unnecessary auto insurance charges (including but not limited to additional late fees, collection fees, etc) would be credited.
To date, WDS has continued to harass me via my employer and employee work related contacts; namely the customer service rep "Angel." Angel has been repeatedly informed of the WDS error and the service appointment of his supervisor "Nick." "Angel" has received clear directions to not contact my employer and my employer's main corporation office-Angel's continued actions are directly causing numerous harms and damages to be disclosed.
My auto loan payments have been declined by WDS or held pending late (etc)due to the additional Balboa Insurance charges arbitrarily and incorrectly assigned to my auto loan account. These "supposed" late payments have negatively impacted my credit. Currently the Dec 2007 payment is also being declined by WDS and additional late charges accrued without warrant.
Wachovia Dealer Services and Balboa Insurance Group ( BIG publicaly reported as owned by Countrywide Financial Services) are theoretically only permitted to cause damage to consumers through lack of unified consumer action and poor representation.
If you are a consumer and you have a well documented complaint with the aforementioned company's please publicly respond to this posting. I am not an attorney nor do I represent one. I am a consumer; one who will not tolerate fraudulent damaging actions taken against me.
I am posting this solely to inquire about the potential advocacy of initiating a class action investigation from consumer peers. I am also interested in well documented evidence of WDS and BIG's financial profits obtained through similar practices taken against other unsuspecting consumer's and any personal damage directly caused by the WDS and BIG's collection practices, arbitrary assignments of auto insurance, and consumer protection violations; including any consumer reporting actions taken with local state attorney general offices.
I refuse personal liability for any unauthorized changes that may be made to my posting without my knowledge and or consent.
Costa Mesa, California