Wells Fargo Acceptance ripoff Philadelphia Pennsylvania

in june of 2005 i needed an automobile because i had totalled mine. i went to carmax in laurel maryland and was given an interest rate of 15.39, which is very high considering my credit scores are 697, 659 and 660. i really was thinking because i had just bought a house and my credit was good. the salesman told me that because of my credit which he could n't let me see wasn't that great. well i tried to refinance and get a lower rate and was told that I didn't qualify because i wasn't trying to get money out of the deal. i spoke with jan in the maryland office on 301 486-0971. i then asked her for the number for volunteer surrender. she gave it to me and i spoke to a supervisor by the name of melissa (supposedly that was her name as they use bogus names) so that you can't call and ask for them. i proceeded to tell her that i was interested in a volunteer surrender because of extreme high utility bills and gas prices and carried on like a stone fool. she told me that if i could afford a house i could pay my car and that she had high utility bills and she didn't care what kind of hardship i had. all she was supposed to do was input my desire to volunteer return the car, yet she proceeded to try to intimidate me by talking boisterous and telling me what to do. i can't phanthom any company that would train their representatives to talk to customer any kind of way. i told her that if i din't pay the note that they would pick the car up and she told me that i was going to pay the note because i have never been late and i should refinance my house and pay off the car. i told jan in the maryland office that I had my credit scores and she told me that they use someone else for credit reporting. i thought that everyone use esperian, eqifax or transunion. they use some underhanded techniques to rip people off and this should be against the law. my credit scores don't warrant me getting a 15.39 interest rate. they actually lie to people. this is wrong and i am going to write my congressman and the better business bureau. something need to be done to help protect the american people from scam when dealing with car dealers.

Lillie
Hyattsville, Maryland
U.S.A.