Complaint Rating:

My husband and I recently purchased a 2001 Nissan frontier from a Honda dealership, and they chose wells Fargo to finance for us. They even helped us pay off the remaining balance of the car that we had as a trade in. The total finance was something over $14,000. Our credit isn't bad, but the best the loan dept could get was 17.7% interest. WHAT?!?!

The payments weren't bad though, but we had just had our 1st child 2 months later & with the days he missed on non-paid company holidays and my non-paid maternity leave, money got tight. We only owed $740 total, but we had to eat, pay for gas & take care of utilities and rent, the cars just weren't that high up on my priority list. It wasn't like we could live in them if we didn't pay rent, or eat them when we got hungry. I can truthfully understand if I were trying to rip them off and just say "screw them", but we are an average working class married couple with a newborn child, who has their financial ups and downs (who doesn't these days), but we are definitely not trying to not pay for something we purchased. We got 45days past due and these people had been calling 8-12 times daily (on both of our cell phones), from 8am-930pm, 7 days a week trying to collect since the first day it was due on Dec 8.

If I don't have the money, and I tell you I won't have the money until the end of that month (BUT I WILL PAY THE TOTAL AMOUNT DUE + LATE CHARGES @ 1 TIME OVER THE PHONE WITH AUTO WITHDRAWAL FROM A SECURE Federal Credit Acct) , what makes you think that I will have it every time after that when you call BEFORE the time that I told you? That's just plain harassment.

The financing company for my car was way more nice. They understood and waited for their payment WITHOUT calling daily. Wells Fargo CS reps are so rude and disrespectful. One person tells me they will be filing an exemption request for me, and the next tells me that they don't offer that and I needed to pay right then. Figure out what's going on! I finally just turned my phones off & stopped answering them. AND I made the payment, in full, 2 days before what I told them.

To top that off, we had always had full coverage insurance on ALL of our vehicles,Never go without that or GAP insurance, but we got a weird letter in the mail shortly after receiving our monthly statement.We have never had any lapse in policy or terminations of any policy, but it said that they are placing our account under THEIR collateral insurance because we failed to provide proof of insurance. WTF?!?! I started thinking "who didn't do their job at the dealership"? So we fax a copy of the insurance card, mailed a copy to their address, AND have the insurance agent call WHILE I WAS ON HOLD WITH THEM BOTH. They said they would fixed the problem and that we would not have to worry about the rate increase next month. 2 weeks later we received another letter, dated AFTER our previous conversation, stating that we still owed the amount with our next truck payment. I called again and they said they never received a copy of the insurance declaration page. They didn't even have notes on my account about talking to the agent or me during the prior conversation. They say we may have talked to the "wrong financing dept." How many do you have there? I couldn't believe this!

Then I decided to play their game on them. *grins devilishly *I faxed a copy of the information that they needed to the CORRECT fax # AND called them on the correct CS phone # every 30min until they faxed me a confirmation saying that the policy had been canceled and they received the information that they needed. They probably got 14 calls and faxes over an 8hour period :D

I wouldn't wish this company on any of my friends or enemies. They need to be reprimanded from a higher level and I wouldn't even be surprised to see the office shut down. PLEASE DON'T USE THEM!