- Report: #904726
Complaint Review: Wells Fargo Dealer Services
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| Wells Fargo Dealer Services
Internet United States of America |
|
Wells Fargo Dealer Services Illegal Repossession , Internet
*Consumer Comment: Team rebuttal have no lives like they claim they do things are getting pretty nutty and crazier then ever before on this site
*Consumer Comment: Lets look at Team Rebutts responses
*Consumer Comment: Lets take a look
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My husband financed a car through Wells Fargo in December 2010. Up until our move in October, we paid more than the minimum monthly payment. In the upheaval of moving, we missed two months' payments, and without warning, Wells Fargo repossessed our car. We paid the fees and got it back, and part of the process was proof of insurance, which we
faxed to them with the rest of the paperwork. A couple months later we noticed our minimum balance was a lot higher than normal, and we called to find out why. Wells Fargo told us we had been put on their insurance plan. We told them to drop that immediately, put any money we had paid on this insurance plan towards our overall balance, and faxed them yet
another copy of our insurance. A month later, they repossessed our car on the claim that we owed almost $1,000 for failing to pay insurance fees that were fraudulently added to our balance in the first place.
Both repossessions were done in the dead of night (I leave for work at 4:30 in the morning and the car was already gone) with absolutely no warning or notice, or any cooperation afterwards. We are thoroughly disgusted by the filthy business practices in effect by Wells Fargo, as well as the complete lack of customer service.
faxed to them with the rest of the paperwork. A couple months later we noticed our minimum balance was a lot higher than normal, and we called to find out why. Wells Fargo told us we had been put on their insurance plan. We told them to drop that immediately, put any money we had paid on this insurance plan towards our overall balance, and faxed them yet
another copy of our insurance. A month later, they repossessed our car on the claim that we owed almost $1,000 for failing to pay insurance fees that were fraudulently added to our balance in the first place.
Both repossessions were done in the dead of night (I leave for work at 4:30 in the morning and the car was already gone) with absolutely no warning or notice, or any cooperation afterwards. We are thoroughly disgusted by the filthy business practices in effect by Wells Fargo, as well as the complete lack of customer service.
This report was posted on Ripoff Report on 06/29/2012 01:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Wells-Fargo-Dealer-Services/internet/Wells-Fargo-Dealer-Services-Illegal-Repossession-Internet-904726. 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.
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Search Tips#1 Consumer Comment
Team rebuttal have no lives like they claim they do things are getting pretty nutty and crazier then ever before on this site
AUTHOR: Charles - (USA)
SUBMITTED: Sunday, July 01, 2012
Team rebuttal are a bunch of trolls they don't have high paying jobs, like they claim they do.
Respond to this report!
What's this? #2 Consumer Comment
Lets look at Team Rebutts responses
AUTHOR: The Outlaw Josey Wales - (United States of America)
SUBMITTED: Friday, June 29, 2012
1 Always the same
2 same people rebutting
3 always trolling to but in
4 never any good advice
5 when OP protests, always calls OP names and correct grammar to solve problm
6 there are more but my fingers are tired
2 same people rebutting
3 always trolling to but in
4 never any good advice
5 when OP protests, always calls OP names and correct grammar to solve problm
6 there are more but my fingers are tired
Respond to this report!
What's this?
Let's look at your Repossession's one at a time....
Repossession Number 1
In the upheaval of moving, we missed two months' payments, and without warning, Wells Fargo repossessed our car.
- You were given warning. When you got the loan the contract you made a legal agreement that they were allowed to Repossess the car if you became delinquent. If it was just one month one could see a "mistake", but you had 2 months. Are you really saying that you just forgot what is your probably second biggest monthly expense for two months? So sorry this is 100% your fault.
Repossession Number 2
A month later, they repossessed our car on the claim that we owed almost $1,000 for failing to pay insurance fees that were fraudulently added to our balance in the first place.
- Did you have PROPER insurance? This includes not only Liability but also Comprehensive and Collision. It also usually includes a minimum deductible. Depending on the bank and the credit worthiness of the borrower the required deductible may be anywhere between $500 and $1000. So if you don't have Comprehensive and Collision or your deductible was above the minimum you do not have proper insurance and again by the contract you signed they are allowed to put on "Force Placed" insurance.
But if you have proof that you had PROPER Insurance the entire time you would have a very valid case and with your proof it would be a slam dunk case for a lawyer who I am sure would be glad to take your case on a contingency basis to "stick it" to the bank.
Both repossessions were done in the dead of night
- I guess they could have shown up at your job and repossessed the car leaving you to figure out a way to get home.
By the way this is exactly the same thing any other finance company would do.
Repossession Number 1
In the upheaval of moving, we missed two months' payments, and without warning, Wells Fargo repossessed our car.
- You were given warning. When you got the loan the contract you made a legal agreement that they were allowed to Repossess the car if you became delinquent. If it was just one month one could see a "mistake", but you had 2 months. Are you really saying that you just forgot what is your probably second biggest monthly expense for two months? So sorry this is 100% your fault.
Repossession Number 2
A month later, they repossessed our car on the claim that we owed almost $1,000 for failing to pay insurance fees that were fraudulently added to our balance in the first place.
- Did you have PROPER insurance? This includes not only Liability but also Comprehensive and Collision. It also usually includes a minimum deductible. Depending on the bank and the credit worthiness of the borrower the required deductible may be anywhere between $500 and $1000. So if you don't have Comprehensive and Collision or your deductible was above the minimum you do not have proper insurance and again by the contract you signed they are allowed to put on "Force Placed" insurance.
But if you have proof that you had PROPER Insurance the entire time you would have a very valid case and with your proof it would be a slam dunk case for a lawyer who I am sure would be glad to take your case on a contingency basis to "stick it" to the bank.
Both repossessions were done in the dead of night
- I guess they could have shown up at your job and repossessed the car leaving you to figure out a way to get home.
By the way this is exactly the same thing any other finance company would do.
Respond to this report!
What's this? 
