Wells Fargo Dealer Services has without a doubt the worst customer service that I have ever come into contact with. They do not care even slightly about the customers that they serve or the manner in which they do it.
This is the 2nd car loan that I had with WFDS. For the last 24 months my payment (by WFDS own admission) have been made fully and before the due date. I have never been behind, asked for a payment extension or had any issue requiring WFDS to lift a finger.
On Feb 29th, another driver attempted to make a left turn in front of me and in hitting him I totalled my car. My primary insurance paid off in less than 7 days. My GAP insurance paid two weeks later (a claim filed by WFDS). The remaining balance (plus $200) is being paid through the warranty refund (also filed by WFDS). Yet with a balance of less than $400, WFDS refuses to do anything at all to work with me. They have refused a payment extension or any form of deferment. They have been relentless in hounding my wife and I for payments. They have threatened our credit time and again while offering no help in the slightest.
Due to WFDS complete and utter refusal to try and work with a customer I have been forced to make payments on both my totalled car and my replacement car. It has been difficult, but I have managed to keep a 30 day mark from hitting my credit. Today I had a conference call with the warranty and WFDS. The rep from the warranty company literally had the check in her hand. She gave WFDS the amount of the check, the check number and asked for an address so that they could overnight the check to WFDS to pay this loan off. WFDS refused to give them an address to make this happen. They refused any sort of compromise that would allow for me to not make any additional payments and still protect my credit.
From the beginning WFDS have gone well out of their way to make what is a difficult, stressful and trying time worse. Their entire additude throughout this process has been,"Pay me!" Even after they have been told repeatedly by every insurance company involved that it was covered and the amounts that would be paid out. They wouldn't count the insurance payments as payments and after several hours refused to explain the difference between a payment made by me or a payment made by my insurance company.
There was never a time during this process in which this loan was in jeopardy of not being paid off. WFDS has repeatedly treated me with scorn and distain throughout. They could have made the situation better, but instead choose at every single turn to add to the problem. I would rather pay a loan shark than take a 0% loan from Wells Fargo.
I can only hope that I am able to warn enough people to save themselves the trouble of having to go through this. Wells Fargo Dealer Services is without a doubt the single least customer service friendly company I have ever dealt with. I've gotten better customer service at McDonalds for a $5 Value Meal than with Wells Fargo Dealer Services where they stood to make hundreds of thousands of dollars from me, my family and friends over the years with checking, savings, money market accounts, car loans, mortgages, investment vehicles and on and on. I will never do business with them again. I encourage anyone who reads this to never do business with them again and I know I will do everything in my power to see that no one that I know will do business with them again.