Wells Fargo Financial - Wells Fargo Auto - Wells Fargo Insurance Fraud Led to Repossession, Ruined Credit San Francisco California

I purchased a car that was financed by Wells Fargo Auto Finance in 2005. I was on time with my payments the first few months and they did tack on the insurance as you said in the beginning and I accepted as I did not have insurance at the time. I was young and naive back then, only 18 years old! I was a young mother and wife. My husband was trying to look for reasonable insurance and we were actually in the process of moving to another state. The day I got that car was the day we moved to Texas.

I do admit I fell behind on my car payment as I was a stay at home mom and my husband was the sole bread winner. His job was having lay-offs like crazy and of course, he had to be one of them. It took hime over 2 months to find a job. In the meantime my brother was letting me borrow money to pay my car. We finally were able to catch up but again they would call my house about 10 times a day and send me letters that didn't make sense when I would sometimes make a double payment which the reps would tell me that would catch me up.

I finally got on my father-in-laws insurance plan with Allstate and they send the documents to Wells Fargo and Balboa Insurance. About a month later, Balboa and WF call stating they don't have my insurance on file and they will tack on an extra $300 to my car payment for the insurance. I told them the insurance agent from Allstate already sent them the info about a month ago. Long story short, they never received it. I got a fax, phone, and adress to WF and Balboa Insurance. The Allstate rep fax, mailed, and called in to Balboa notifying them of this. Well guess what? Of course, they never received it.

My husband was finally able to get this all fixed somehow as I was already fed up with these people. Through all this insurance fiasco I was still getting calls and letters about my car payment being late. I called and spoke with a rep and did the math on the phone with her about the payments, late fees, and interest fees that were added. There was an extra $60 for something that didn't add up. She couldn't say anything - she was like, "well this is for what you were behind on." I said ok obviously you do not know how to add or subtract but this doesn't make sense on paper. I left it at that. I would answer the phone to tell the WF Rep that I would be making the payment during my next pay period (I was finally employed during this time) they would tell me OK and say they would put it in the notes. Again, the next few days, weeks, I would get call after call from WF.

They would tell me I was late and they needed a payment ASAP. I told them, "Don't you read your notes? I already spoke to so and so and told them I would be making this much of payment on this date." They would tell me, oh yes we see it here but the phone is an automatic dialer and whatever. They would bring up the insurance again and tell me they don't have my insurance on file. I again would tell them I thought this got solved, we have faxed and mailed the insurance declaration forms about 100 times already.

Well one night a lady called my home and was the MOST rude WFF Rep ever. She said some really nasty and mean things to me demanding me to pay. Take into consideration I was about 6 months pregnant with my son. I asked to speak with a supervisor since her behaviour was so unprofessional and she declined to transfer me. What she did was put me on silent mute, and I admit I did say something about her that was not nice but this was after she was really nasty to me. SHe was telling me why I had gotten into a car I couldn't afford, and who cares if I had a mortgage and kids to support, everyone had that! I couldn't believe that things she was telling me. Anyways back to the hold time, as I was saying, I did call her a bad name only once since I was so frustrated and mad, she took me off hold and said, "I heard that!" and hung up! This whole time she was listening to what I was talking about with my husband instead of transferring me to a supervisor. I was SO upset I was crying my eyes out. I was fed up with their predatory practices I got online that same night and filed a complaint with the BBB. My husband called WFF back and demanded he speak to a manager. He explained to him the situation that occured and demanded the name of the lady we last spoke with. The manager was polite and apologized, stating their reps are never supposed to treat customers or says things like things she said to me. My husband notified them we were filing a complaint with the BBB.

Well they were quick to respond. About 2 weeks later WFF sent a letter to us stating they took proper disciplinary action against the rep I spoke with and they were going to waive late fees for the past month and defer the last month I was late on. I was satisfied and called them and made the payment that would catch me up. Well this little bliss didn't last long as I admit, I was late the next month, because I would rather have myself, and my children a roof to sleep under than sleep in a car. My mortgage was high and we paid our mortgage first, it was almost first priority before anything. Again I got the harrasing phone calls and finally told them to just pick up the car. That car sat on my front curb for about 2-3 weeks before they finally sent someone out. GOOD RIDDANCE! It may be a blemish on my credit, but I was finally free from the harrassing calls from WFF. I was able to get my free credit report online and it shows as written-off. I don't even have balance like my other creditors report. Go to www.annualcreditreport.com to get your free credit report. It's governed by the FTC and it is actually free with no strings attached.

I hate WF and I will never do business with them again. They are a horrible company with horrible customer service reps!

Wells Fargo Finance is the ABSOLUTE WORST. They doubled my payment, claiming that I had no insurance when I have proof that I did. I switched to Geico, with no lapse in coverage and have proof and they are still charging me. This has reaped havoc on my credit report and is a big hassel. They reposessed my car!! If anyone's interested in a class action suit I'm all for it.