Complaint Rating:

Company information:
Wells Fargo Auto Finance
Phoenix, Alaska
United States
Phone: 8005650094

In 2003 I was approved for an auto loan with Bristol West. About 3 months after having my car I receive a letter stating that Wells Fargo will be taking over my loan because I bank with them and to make all my payments to them now. WTF??? They would not even approve an auto loan to me but now that someone else have they can take over? Whatever!

All the issues begin 2007. First the car breaks down and it cost me $790 for a fuel pump and then the brakes go out and that cost me another $500. They fuel pumps goes out at the end of april.07 and the brakes in oct.07. Even with all these issues I still make my payments but when you r short on money it will catch up to you. Now Dec.07 rolls around and I don't have enough to make my dec.22 payment on time because of all the catching up I have been having to do with my other bills. I call WFAF in Jan.08 to see if I can do a post dated check for Dec.07 payment. The rep says yes but the payment has to be at least $800 and some odd dollar amount because I missed Jun.07 payment and I only paid half of Nov.07. Okay I am lost now. I tell her that can't be because I show that I did pay for Jun.07 and if what she say is true, why is this my first time hear about it? She wants to go over my account from Jan.07. I'm cool with that. She says that I made a payment of $450 something dollar in Jan.07. Ok you are wrong already because I show that I made the amount of the payment which is $421.20. She moves forward to Feb and so on. for two more months she states that I paid more then what my bank records show was taken out of my account. Then she states that I missed Jun.07 but Aug.07 to Oct.07 payments was made but Nov.07 only $250 was paid and that They received a payment of $200 in Jan.08. Okay I tell her that so I missed Jun.07, Nov.07 $171.20 was not paid. Dec.07 and Jan.08 has not been paid so I am $1434.80 behind in payments with notate charges being added. Then she tells me that I owe $1442.34 with late charges. So I say that the late charges are only $7.54? She says that the late charges are $180 and some odd dollars. I say how is that If I am 3 1/2 months behind and that My monthly payments are $421.20. She has no answer. Everything she is saying does not add up from the making a payment of more then payment amount to missing payments. I try to post date a check but she tells me that it is not enough and that I need to pay at least $800. I tell her that when she show proof of this then I can send in the payment but until then I can Pay Dec.07 and I will pay Jan. 2/08/08. She states that my account is 71 days past due. I tell her if that is true then where in the hell is the missing june payment you claim I did not pay because if today is 2/3/08 and counting back 71 days then my account became past due 11/23/07. So where did the payment that you claim u received of $200 in Jan.08 go towards? Again she has no answer but keeps repeating to me that my account is 71 days past due and that I owe$1442.34 with the late fees included. So I repeat my self telling her that if I still owe Jun, Dec, Jan and $171.2 of Nov. I should owe you a little over $1600 but you are saying that I owe $1442.34 so how about u add 3 months of 421.20 up plus the 171.2 you say I still owe and $180 in late fees and see if you come up with $1442.34. She states that she needs at least $800 to do a post dated check and I tell her that I can pay Dec. Which is what I know is late and that I can Jan 2/08. She tells me that she can't do it so I tell her then we have nothing more to talk about and to have a nice day . She tells me that they need to know how I'm going to pay the account and I say when you show proof you will get your money. then I hang-up. I'm to the point now that they can come get the car because they have my money but are acting like they don't and their records show things that are not even true unless a money angel came and gave them extra m0ney on my behalf. What really gets me the most is how the reps. talk to you. She was very rude and kept cutting me off. Well I would think that if someone owed you money you would take any money they tried to give you to make the amount less even after offering $500 now and $342.2 the next week that they would have taken it but I guess they are just to good for my money. What was the real killer was that they say I owe Jun payment but nothing was never sent ot me and they are the type of company to call one day after a payment is due so what really happened with my Jun payment? And if that is true why wasn't my July payment counted as june and so forth so that I would be missing Oct. Payment and that my account would be 100 something days past due. This makes me really wonder if WFAF passes out drugs for lunch to their staff! Im starting to think that they think that we as consumers are not very bright people. I can see if I was trying to get over on them but I'm was just trying to give them the money that I know I owe them and that I myself can prove to them that I owe them. She did not want to see anything that I had to show her that I paid Jun. Now I did call them on 1/30 and was told that I could do a post dated check for $421.20 and pay Jan within the next two weeks but then calling three days later and getting a different story really concerns me. Right now I don't trust anything they have to say and do not care about them reposing the car because they can't tell their asses from their heads.

I would not wish this company on anyone. I have had my fair share of issues in life but sometime things happen that are out of your control and you have to do what you have to do. But the worst of my problem is that I can't even traded in the car because I still owe $6000 more then what the car is worth but without the car I was approved for $25,000. Go figure. Looks like I will be car shopping again real soon.

And to anyone out their looking to buy a car, If Wells Fargo approves you ask them if someone else did also and go with them.