• Report: #238925
Complaint Review:

WFS Financial/ Wachovia Dealer Services

  • Submitted: Wed, March 14, 2007
  • Updated: Tue, April 14, 2009

  • Reported By:san diego California
WFS Financial/ Wachovia Dealer Services
www.wfsfinancial.com Santa Ana, California U.S.A.

WFS Financial/ Wachovia Dealer Services How can this institution still be in business, they are CROOKS!!! Ripoff SANTA ANA California

*Consumer Comment: They threatened me as well!

*Consumer Comment: Wachovia CROOKED financing

*Consumer Suggestion: At this time I am researching and gathering documentation that will help me develop my case. I'm aiming high:


*Consumer Comment: Wachovia Customer

*Consumer Comment: non-stop harrassement and threats

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I guess i am another discusted WFS customer. I was paying on the Nissan that my Fiancee and I bought last year and fell into some rough times around November of 2006. I was injured at work and put in the workers comp system, so after having a perfect pay history on my vehicles for years, I fell a little behind on this one. Well, WFS "Customer Service Reps" soon started calling me and harrassing me, 3 to 4 calls a day. I tried talking with them and explaining my situation, and asked if they could work with me, and I would bring my account curent as quick as possible. Right off the bat, they gave me incredible attitude and would not work with me. They told me i nad to pay the entire past due balance or they wanted to come pick up the car. I finally was able after many futile attemps to get a rep to schedule 2 payments and I was promised that the oldest late payment would be added onto the end of my contract to help me out of this situation. Well, 2 weeks later i found out that they never took the funds out of my account, and therefore put me even further behind in payments. When I called to question then about it, I was transfered to a "Manager" who told me to pay $1500.00 at that moment or turn in my vehicle, at that point I got very angry and hung up the phone. WFS continued to call and harrass me every day 3 to 4 times a day, never leaving messages. So last Friday, a Rep named Eddie from Wachovia Dealer Services calls and leaves a message, THATS RIGHT FOLKS, leaves a message on my voicemail stating that I was hiding the vehicle and he was calling the police as soon as he hung the phone up to report our car stolen......STOLEN!!! and proceeded to tell me that what I was doing was felony grand theft auto and I would be arrested if the police saw me driving the vehicle. Well, guess what Eddie, turns out that threating criminal legal action against a debtor is against federal and state laws, and you voluntarily left that little speach on my voicemail. Thats right, he did exactly that, threatened to have my pregnant fiancee or myself arrested for stealing the car. Not only are WFS agents crooks but they are dumb crooks, and liars!!!!!

san diego, California

This report was posted on Ripoff Report on 03/14/2007 07:38 PM and is a permanent record located here: http://www.ripoffreport.com/reports/wfs-financial-wachovia-dealer-services/santa-ana-california/wfs-financial-wachovia-dealer-services-how-can-this-institution-still-be-in-business-the-238925. 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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Updates & Rebuttals

#1 Consumer Comment

They threatened me as well!

AUTHOR: Thetanya - (U.S.A.)

These people also threatened me, saying I was hiding a vehicle they owned. They threatened to have me arrested for telling them to cease and desist calling me. They tracked down my landlord after 45 days, they have permission to take the money out of my account but refuse to, and now want to repo my car. They want me to pay with a western union even though my auto debit bounced because they sent me a bill for the wrong amount for a year! I had a lawyer call them and tell them to stop calling me, a cease and desist, but you have to mail it to them... These people will not make good on a loan that they have permission to take out of my account! They are criminals. I will fight them in court!
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#2 Consumer Comment

Wachovia CROOKED financing

AUTHOR: 87elcaminodippin - (U.S.A.)

I bought a car back in september 2007 WDS (wachovia dealer service) financed my car and therfore I got screwed! fast forward one year i lost my job and could no longer afford the monthly payment.

I made my last payment in october 2008 and the car just recently got repossessed mid january 2009. What repercussions if any should I be expecting from WDS given that my loan balance was 13,000 rounded off and the vehicle in question was valued at only 8,000 blue book value. Will they try to sue for the defiency balance of the loan? if so when should i be expecting this sort of action. Another big concern of mine is wage garnishment which is something i cant afford now that I am working.
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#3 Consumer Suggestion

At this time I am researching and gathering documentation that will help me develop my case. I'm aiming high:

AUTHOR: Go The Edge - (U.S.A.)

I am also a victim of corporate fraud perpetrated by WFS Financial AKA Wachovia Dealer Services. There has never been a better time than now to take action against them and seek damages. Contact me ASAP

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#4 Consumer Comment


AUTHOR: Jmbispissed - (U.S.A.)

I think it is horrible when companies drag people even further down a path to no return. First off, a divorce, family with a serious illness, or someone undergoing severe financial hardship as a result of a layoff or downsizing, should be dealt with on a CASE BY CASE basis.

These companies carte blanche attitudes towards people and a one size fits all solution...IS NOT CONDUSIVE TO THE WAY OUR SOCEITY IS STRUCTURED. PEOPLE ARE STRUGGLING IN EVERY ASPECT OF LIFE- SHAME ON YOU WACHOVIA!
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#5 Consumer Comment

Wachovia Customer

AUTHOR: Jeff - (U.S.A.)

Ive been reading all the stories, and one has to look at the simularities. Everone is late on thier payments. Sorry folks, when you become delinquent, you get calls. Their are rules creditors to have to follow. In these stories i dont see anything so agreedious that would allow for legal action by the customers of Wachovia. First of all, they will threaten all kinds of things. NO, they cant take your house for an auto loan. No, driving or hiding a car in the repo proceess in not grand thieft auto.
If you have questions on what they can do, say or when they can call and where, id sugest you research online your states laws regarding creditors.
One guy stated he had a credit score over 700, that is your business bud, but why are you borrowing from Wachoivia FKA WFS if you have great credit???
Hope this helps clear up some things
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#6 Consumer Comment

non-stop harrassement and threats

AUTHOR: Vanessa - (U.S.A.)

I read the comment regarding wfs/wachovia dealer services threatening constumers and also harrassing them. I also have had the same problem. After falling on hard times with a marital separation and lose of substancial income I fell behind on my auto payments. I tried to make arrangements with wfs and initially they did before they merged with wachovia dealer services attempt to assist me. I tried very hard not to be a month behind.

They did however even after me speaking with reps and scheduled payments would continue to call 3-4 time daily until a payment was made which disregarding any arangements we made for a payment to be made.

When they merged with wachovia I only had about 3 more payments left, I told them i would make a payment and on the first I would make another which was only about a week and a half away I began to get phone calls and reps would say that i agreed to pay account in full and since i didn't they demanded I tell them were the car was and that I was harboring the car mind you at this time the first was only a day away.

That day I spoke with several different reps trying to settle this matter they were all very rude and very inpatient. When asked how much my balance was each time I was told something different. I was even told that I must add an extra 100 dollars to my final payment to cancel towing fees since the tow truck came to my residence several times and could not find the car. I assured them that the car was not at all hidden.

I then recieved a message on my answering machine to which i saved the message that if i did not pay the car off the full balance which was now 1,200 by the end of the day that this particular rep whose name was Carl would come to my city that evening and file a class felony suit against me he stated it was a 18-2.115 fraud and conversion charge for not surrendering the vehicle.

Now say thats not a threat. This was after i told a previous rep that if they could not wait until the next day the 1st then come and get the car because i would not have the money until then.
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