Wells Fargo Acceptance RipOff Fraudulent Dishonest Bad Collections Practices Philadelphia Pennsylvania

First of all I would like to state that Wells Fargo Acceptance is in violation of many state and federal laws in regards to their business operations. Now to continue to my situation.

I refinanced my auto loan on 4/16 with Wells Fargo Acceptance. In the middle of May I recieved a phone call from my OLD finance company stating that I am past due on a payment; after hours on the phone with Wells Fargo it seems that the original payoff check was sent to wrong location and returned to Wells Fargo. Wells Fargo then instead of resending the check or informing me, the customer(why would i need to know right) just deposited the check as a payment on my account; so at this point i had 2 loans, with 2 creditors with the same financial interest, i don't think this is even legal. After going back and forth with Wells Fargo my old company finally recieved the payoff on June 14, almost 2 month after it was due. Due to this delay i had to make an additional payment to my old company, which i only got a partial refund on. My original payment to Wells Fargo was due on May 31, needless to say I didn't make that payment, and recieved numerous calls during that period; some accusing ME of breach of contract. I made the first payment via check by phone of $200 on June 30, to my "surprise" when i was checking whether or not the check cleared I saw that thy submitted an ACH for $864, do not think that this is legal either. Now I just made a payment, and once again they are doing the same stunt saying i owe them more, they don't listen to explanation or fulfill requests to speak to someone that actually knows something. They even have the odacity to tell me my account is 54 days past due. All attempts to contact someone who knows something are to no avail. So if this isn't solved soon I am filing charges.

Igor
Lincoln Park, New Jersey
U.S.A.