WELLS FARGO AUTO FINANCE AUTO RIPP OF. WELLS FARGO FINANCIAL IS CHARGING "PER DIEM" FEES. MY CONTRACT STATES 5% ON LATE FEES MONTHLY ONLY. CORAOPOLIS, Pennsylvania

I bough a Car: 2006.

Price:$ 28.000

Interest rate: 14.90%

tOTAL pRICE:  $43.000

Payment Monthly: $600,00

Late Charges Fees Montlhy: 5%

72  Payments.

Ok; the problem started when  the company I was working for,  went out of the market. I saty, as many people without a job and never ask for government help.  I have worked  per day, or weekends in any kind of job that I can do.  I went late three times, for two months.  Wells Fargo representatives, did not stopped to cal me 7 days a week, any time...they are rude.  They therat me badly, telling me they will do a REPO on my car, They asked me to pay inmmediatlelly by "MONEY GRAM"  to a special number they give me.. They told me  I was owing for the 2 Months,  $1.980.00.  I asked them why? They told me : LATE FEES.  I did not have on hands my  Contract with me at that time, last year ( was in a storage in other State).  I paid them these money.  I thought they were chargin me the 2 months, plus the "interest" to be late.  This happened 3 times during this last year.

Wells frago does not allow me to see my account online, since the first time, I was late,  Dez. 2010.  Always I have paid Online and follow up mu  bill.  Time pass:  they keep telling me I have LATE Charge FEEs, every month!  The  representative ( a woman) told me I am an "Irresponsable person", for not pay my bill on time.  She was very selfish; she was taking advantage  of her position on the Company and  because was by phone.   If we were personally, I am pretty sure, she will never talked to me in that way. She SCREEMED and told me she will send the order to do the REPO. I told her not to worry, I will do myself, bring the car to  the dealership. So, she habg up the phone on me.

After that, I wenbt to the Well Frago Bank to see if they could refinance the car, so I coud pay less money montlhy.  They  Decied my petition as a Bank.  I sent a letter to Wells Fargo Auto Finance, asking them to refinance my car ( I still was owing 25% of the car last year).  They Denied my petition, basing that always I paid good on the past..so I need to pay on time now... Very dificult  for me to understand their position..

I asked them again I want to follow my account on line, and pay online. They said again; NO. you are not allowed to  pay online anymore or see your account.

I asked them to send me the  Invoices, that they   was not sending  anymore; I told them, I want to know  how much I  still owne.  Finally, they send me two pages with numbers .  I did the Add;  I got impressed!  I already have paid more than $52.000 on my Car!  I called them.  They said  is was "an error", that I still need to pay more 8 payments, plus  2 extensions they did (??) for me.

Finally, 2 months ago, they started again to  tell me I was late 2 months; I told them was not true, that I have paid that two months. They said No.  I paid the Late Fees!  How can they charge me $1100.00 in Interest Fees for 2 months?   They did not put the money I paid in "normal interests or on the Capital.  The mmoney went to "other  Late Fees".  WHICH ONES?

I went to get the copy of my Contract on the Storage in other town..and the Contratc states the 5%.

So I called them and told them about this..

They said they are charging me 'PER DIEM" rate when I am late!!!!  HOW  can  W. Fargo Auto Finance, change my Contract and start to charge me interest "PER DIEM? 

By  the way, a find out out they had in their System, that I need to pay my car in 82 PAYMENTS ( Not the 72).  I discuss with the representative ( by phone) and this one was well educated ( a man).  He was confused also...and asked me to send my copy of the Contract to him. I said ok.  I  told him,  about the  numbers I got when I add my numbers of payment; that I had pay more than $12.000  on the Top I needed to pay.   He told mewas not "like this" because I have "Late Fees", and this money went to :Late Fees" ( PER DIEM). They don't want to say the word...

I am going to the District Attorney to do a claim and get a  Consumer Lawyer also.  A car that cos me $28.000,00 now is paid around $60.000,00 and Wells Fargo Auto Finance is still telling me I owne around $5.000.00!  and if I don pay RIGHT AWAY.... THEY WILL COME TO DO THE REPO!

I cant' believe this..but is happening to me.. Does somebody know about the Liability of Wells Fargo to charge  the  costumer with "PER DIEM" Fees?  It is legally?  And if it's legally, whay they  don;t want to send a letter to the costumer stating they will charge " PER DIEM" when  the costumer get late...PLUS the late Fee stablished on the original contract? 

I tried again to pay online last week; my accountis "blocked".  I went to wells fargo Bank; the manager  tried to go to my account also.. He could'nt...Only give access to do payment..not to see "all the payments done and  the interests charged....

They have to good reason to loose costumers:  "Per Diem"  and pay by phone:$12.00  ( they know how to take our money... don't allow you to pay online"

When I read people saying about Nigerian Scams... I think  is not only in Nigeria.. Here in US also...