Wachovia Dealer Services reviews and complaints

I purchased a 2005 corolla in january 2006. I went through Wachovia Bank for the Loan. In September Wells Fargo took this loan, with little communication with me. I am a single parent and I struggle to make the payment and I am late more often than not. I have received phone calls before from wahcovia but since September, I had no communication at all just a statement through the mail. On March 26 I woke up and my car was gone. I understand that the company had cause to take the car, but I had no idea it was gonna happen, a check cleared my account on March 17 so I thought it was all good. When I called about the car dealer services was closed so I had to wait until Monday to talk to someone, when I did guy was ready to argue with me and was not nice at all. I was on the phone for 2 days and paid $1026.00 to get my car back. This was crazy because I was 71 days late and was making a payment on March 28. I should have talked to them and made a payment arrangement, but what does Customer Service mean? I think it is poor customer service to have no communication what so ever with the clients. I would have responded to mail or email, I do not have an answering mechine and Im not home a lot because I work 40 hours and go to night classes too. If I had another car, I would have let it go, and that too is poor customer service, I thought there were services to help, but this was no help at all. It was an awful experices and there should have been some kindness somewhere and I was disappointed with the policies that wont allow the customer to know that they are at risk for loosing their car. In addition my son had medication in the car and was without it all weekend. I called all numbers given to me and could not contact anyone. I think that Wells Fargo is Chicken ### and had to send someone to take my car at a time when they could not be reached I would never recommend them to anyone...in fact as soon as I can I will refinance my car "not with them" Im sure this will not effect them, but it sure will make me feel better, . WELLS FARGO SUCKS

Contacted Wachovia Customer Service Fri 2-26-10 3:00 pm PST and spoke with customer service and was disconnected a few minutes into conversation.

Called back same again at about 3:20 pm PST and spoke with Zevalia in customer service and explained my reason for call/problem and we discussed sitiuation for a few minutes.

At 3:29 pm PST, Zevalia asked me a question, and when I begin to answer it she immediatedly hung up on me promptly at 3:30 pm.

I immediately called back and let it ring for 55 seconds another 5 times and no one would answer phone again, so I must assume Zevalia's shift was over at 3:30 pm so she justhung up on me and went home.

I called back at 4 pm PST and successfully resolved my problem with another customer service representative who did acknowledge that some shifts did end at 3:30 pm PST.

What a crap way for a company to treat their customers.

No wonder they were taken over by Wells Fargo.

I cosigned a car loan for my ex and he was late on a payment but then sent a payment which they lost and collections has been calling me and harassing me night and day to pay them. My ex moved to Fla., I gave them all of his contact information and they continue to harass me to make the payment because they work on commission. He is working with Wachovia to locate the lost money order and he has informed collections that this is the case. They will tell you whatever lies they can think of to get you to make the payment and when they see that doesn't work, they try other ones, they said they were going to sue me, that if the car was repossessed I would have to pay the fees... its all nonsense! Michelle from collections even went so far as to call my job, I have no clue how she got the number because I had not given it to them and fraudently misrepresent herself by acting like she was one of my students to speak with me. They are sad, pathetic, unprofessional and very uncoordinated. Do not give Wachovia any of your business!

I purchase a vehicle through Wittmeier auto in Chico. It was financed through Wachovia Dealer services. I have repeatedly sent them my Insurance information. I received a letter in the mail saying my registration would be revoked so I sent a copy of my insurance card to dmv, then faxed a copy to their insurance services known as Balboa Insurance center. I then received a phone call from one of their employees that left a message on my answering machine responding to my outgoing message that I'm not available at this time saying something unintelligible then your such a umph implying another word. I feel this is very unprofessional behavior and the company doesn't seem to care. I also know of other people having the same problem with this proof of insurance issue .

It seems to me they're trying to force people to add on their insurance to vehicles that are already insured.

First in 2007 I was unemployed for 2 months. When I bought my car, I was told several times I had the unemployment coverage on my loan.

However, when the fatal day came that I was unemployed; I was told by Wachovia Dealer Services that I was not eligible for the unemployment coverage on my loan.
This was a year after I had the loan…

Once I became employed once again, I paid everything and got the payments caught up and then personally talked to Wachovia Dealer Services and requested a payment due date change.

They told me I was eligible to change my date once. I told her with the new job and schedule of pay days that I did need to change the date from the 9th of each month to the 15th of each month. When we terminated that phone call I was under the impression that my payment date was changed.

However, a year later, I got ready for work as usual and went outside and my car was gone. Wachovia Dealer Services reported to the police that they were going to repo my car.

After the car was repo I get a letter from Wachovia Dealer Services stating that they were going to strictly enforce the payment date since I had been late every month for 1 year.

They also billed me a late fee and claim I was 1200 dollars past due in my payments.

Of course the day and time they repo the car was right before I was suppose to report to work and I had to miss work because of the errors of Wachovia Dealer Services.

I don’t know why Im posting any of this here. Other than to vent right now and to warn people to stay away from these rip off artists. They have the worst business practices of any company I have ever dealt with.

I lost my job in February of 2009. I contacted Wachovia Dealer Services regarding my auto loan with them and asked if they would be able to offer a defered or reduced payment plan with I was unemployed. First off, they said no. They only offer defered payments to people who are employed. Wouldn't it make more sense to offer some relief to people who are UNemployed? If I had a job and was making money I wouldn't need help! However, they did allow my account to go past due 30-60 days as long as I gave them dates and amounts that I could pay in the future. I thought all was well. On 08/25/2009 I made payment and was about a week and a half away from being completely up to date on my payments. Two days later I received a call from their "legal" department. They man on the phone would not give me his name and his voice was quite unique and I recognized it from an earlier conversation I had with someone in their collections department. He told me that Wachovia had reported the vehicle as stolen from the bank (which is not legally possible, because I am the registered owner) and that the local sheriff would be serving me with a warrant and would seize the car. He told me that I needed to pay up immediately to avoid this from happening. I don't have the money, but I will in about a week and half. He said I could take my chances if I wanted to wait that long. So I called the local sheriff and they said that there was nothing in the statewide system that showed anything of that nature and that I (the registered owner) is the only person who they would take a stolen auto report from. I have since reported Wachovia Dealer Services to the FTC for violation of the Fair Debt Collection Practices Act. Once my account is current I will be contacting an attorney to seek damages for their violation of the FDCPA.

If you are contacted by someone from Wachovia Dealer Services claiming they are from their "legal" department it is a lie. If they leave you a message with an '888' number to call back on, do not. Call them back on the '252' number that they called you on. It is a direct line to collections. They will answer the phone with only, "hello, " but if you ask them which department you have reached they will tell you collections. There is no legal department. It is just a scare tactic to get you to pay up sooner. I almost borrowed money from family to pay this off and I wouldn't be able to pay my family back any time soon either. They will stop at nothing to get their money. They will even break their own word on arrangements you have made with them.

My credit is bad, but I am desperately seeking another bank that will allow me to transfer my loan to them. I would never in my life want to get a loan from this company again. If you already have a loan or are considering a loan with them think otherwise.

They are disgusting people and took bail out money so that can continue to screw the consumer.

I co-signed on a loan, through Wachovia Dealer Services, for my friend's truck in Oct. 2006. My credit history is spotty and Wachovia, I believe, uses such credit histories as a basis for a malicious rip-off scam. Simply stated, Wachovia Dealer Services refused to recognize many of the payments I made via Money Gram. Even payments they had previously recognized were later the subject of collection efforts. My friend was forced to surrender her truck today, the cause cited being that the loan was 5 months late (which it was NOT!). There are two months in particular that I double paid since the first attempt was ignored. Since January, I have made nearly $3000.00 in payments when only $1800.00 would have been owed; $1200.00 were just "lost". Now Wachovia is saying that NONE of those payments were made, and that I owe February through June. This is truly an example of a company preying on those with less than stellar credit to scam money. Who would be believed? Of COURSE not the person whom has previously demonstrated financial irresponibility; this is a pretty air-tight scam! If anyone else has experienced a similar fate with their Wachovia Dealer Services loan, please email me: [protected]@yahoo.com.

I was late on my payment and spoke with a (Jennifer) from the collection dept. from Wachovia. I was told that they could not accept a check because of a previous returned check from me and that I would have to pay be Western Union. I went to make a payment at Western Union and I call them to let them know that I was making the payment and they took an extra payment from my checking account anyway after they told me that they could not use my account anymore. The next month I paid them a paymnet to get caught up and two weeks after the payment, they repo my car, but wait it gets better. After they repo my car, they tried to do a claim with my insurance company without me knowing for damage to my car when there was no damages at all. My insurance company called me and ask me did I authorized this and I told them no so my insurance company denied the claim.

STATEMENT:
In 6 months Wachovia Dealer Services has failed to set up automatic payments.
Initiating payment services via the official "paper" route twice has failed in as many months.
The on-line auto connect system has never worked. Except to show me my outstanding balance, and accept Visa payments online to the auto loan account. But NEVER has the auto debit worked from Wachovia (aka: Wells Fargo)
When trying to contact the Portland representative during business hours, I have personally run into a constant voice mail circular tree scenario when dealing with Wachovia Dealer Services (aka: Wells Fargo). The representative is busy, or the voice mail system is full, and you end up at the top of the phone tree again-and-again.
Conversely, in 48 hours Bank of America has set up, confirmed and paid Wachovia. Verifying them as a company and approving electronic fund transfers via the Bank of America monthly automated bill payer.
I have notified Wachovia and Wells Fargo that due to their negligence in the matter, should any marks on my credit score from them appear, I will have no recourse but legal action. Regardless of score or not, this incident is now sitting with the State Attorney General as of this writing.
I have left several AFTER HOURS voice messages to Anthony Ray of Wachovia Dealer Services at extension [protected] about his companies negligence. I can call my Bank and other loan and mortgage companies and generally reach a human - even after hours. Granted I end up in India at times, but at least there is an after hours rep capable of taking my calls on my other loans EXCEPT Wachovia/Wells Fargo.
However - again it should be noted the calling and service rep is doing his/her job. So I'm not really placing blame there. They work the hours they are given, and do what they must (barely). But the infrastructure of the corporate company is questionably organized. Making Mr. Ray look like a ### to the general enduser/observer.
My suggestion to the corporate types from Wells Fargo and Wachovia is simply to get your act together and show a little love to poor Mr. Ray. FNotice is hereby served to Anthony Ray of Wachovia Dealer Services at extension [protected] Lake Oswego, Oregon.
a) Your approval to contact me at my telco endpoints has been revoked
b) Your approved contact method is now in writing via snail mail or by email as indicated in the account provided in your online services for my account.
c) Your company (Wachovia Dealer papers are completed and sent to do the autopay.)
Financial Services and aliases thereof - operated in whole or in partial by Wells Fargo and/or Wachovia and their subsidiaries subsidiaries - are now officially reported to the state attorney generals office.
e) My views are my own, and subject to freedom of expression under the constitution.
ground-pilot

I set up an auto-debit with wachovia and every month I got a statement saying I owed 265 dollars. HOWEVER they were deducting 278.00 from my account and when this discrepancy eventually caused me to bounce one payment they then refused to even accept checks, insisting I pay my car payment with money orders or through western union. I offered to have the payments come out my husbands accounts and they still refused.

When I told them to take me to court they told me they would repo my car right that day, and when I said I would be sure to move it they said I would be arrested! Now they are trying to repo it and sue me for the balance. Not only will they never recoup their loan that way, they will incur the fees of the repo service and the auction house and there will be no way to collect the debt. All this when all they had to do was fine me for bouncing a check and move on. They would have every penny.

Needless to say I went out and got a car with cash, I hope they do pay lawyers to sue me, I want to tell the judge how I offered and offered to pay them and they refused. It is totally unreasonable to ask me to pay with a money order or by western union, no one in any business ever does this, we are talking about years of payments with no problems, and it is because they sent me incorrect bills for months upon months. The people on the phone are beyond rude, they are austo piloted robots from h*ll. I hope they all lose their jobs and everyone defaults on all their loans. This bank needs TO GO!

I received a call from a Christine at my work number and explained I was unable to receive personal calls at work and she had the attitude of not caring. I told her our payment was made via Money Gram as told to James to do and she kept badgering me that it was not done and I expressed we have a confirmation that it was made. She continued to make me feel like I was a liar. I worked hard through a temp. agency to obtain this job and will get fired if found I am recieving calls that is not buisness related to the job. She continued to call my work number and then turned it to James Wilson to call me as well. She then spoke with my husband and stated they will be coming for my vehicle even after we paid them their money. James Wilson then called my place of employment to find out the location of my work. We have received nothing but harrassment from these people. Also, Christine claims we have not returned their calls. However, I tried to explain my husband has been speaking with their representatives for the past two days and she continued to cut me off and say "Do you want me to help you or not." If I lose my job due to their continued harrassment at work, they will then hear from my lawyer. One phone call from their establishments is sufficient, yet we had James Wilson call ten times in one day almost every hour on the hour. I guess this company feels their management is given the rights to harrass their clients. When I was overseas on a family emergency, I realized I had set up a payment for my truck and realized I couldn't keep the commitment, I phoned and spoke with James Wilson, who proceeded to be very rude with me. I feel this is unprofessional for a manager to react when I was only pushing it a couple of weeks and not totally cancelling the payment. I don't expect to be pardoned but a little compassion when one is at a grieving point is not too much to ask for. When I explained to Christine that we made the Money Gram payment last night, she badgered me with when, what time and how much then when I said James has the confirmation number, I got Do you want my help or not! I need my job and with the economy the way it is, I can't afford to lose it. Your staff had me so rattled, I am unable to do my job effectively. I would like for them to stop harrassing me, my husband and the people who live in my house( whom have nothing to do with this debt). Even after recieving a payment, they still threaten to come get your vehicles.

Extremely Stressed due to your Company,
Rose Dolan

I need to talk to someone who will listen. My car was repossed today. I was 81 days behind, but was told one month was deferred. (So really only 51 days behind). I paid $40 for the deferrment. It never happened. I tried calling 5 times in the last 3 weeks. Twice I was told to contact "Ahmed" who is never there when I call. Specifically I was told to "hold off making a payment" until I straightened out the deferrment stuff is the fictional "Ahmed". Twice I was on hold, waiting to talk to someone for 20 minutes. Literally. Yesterday I left a message at 4pm with "Cheryl" who today admitted she had not checked her voicemail. I have been able to make a payment for weeks, just waiting for "Ahmed"...and now I have to pay approximately $1000 that is going to kill us. This is not right. I can pay right now, but the paperwork isn't filed and I just have to sit and wait. I have 3 kids - one is a baby and we had to walk home in below zero temperatures. They repossed the car from an elementary school, for crying out loud. I have 3 jobs I can't get to because no one has filed the proper paperwork to allow me to pay $600 dollars more than necessary to get my car back. No one will tell me what happened to the deferrment. No one will answer any questions about the fact that I couldn't get in contact Ahmed or that Cheryl never checked her voicemail. This is not right. I would really appreciate someone taking the time to answer questions.

I am seeking national information from other consumers regarding potential consumer fraud through the direct actions of Wachovia Dealer Services (Wachovia Financial Services/WFS formally known) and including but not limited to Wachovia Dealer Services strategic partnership with Balboa Insurance Group; a subsidiary corporation of Countrywide Financial Services (CFS-NSE). The purpose of this consumer inquiry is to question the possibility of a national class action law suit regarding potential consumer protection violations with reportedly known aforementioned public companies and any or all yet unknown or potential investment companies associated with the initial possible corporations, company's and associations hereto yet proven.

I am a consumer and did open an auto loan with Wachovia Dealer Services in 2007. Prior to accepting the new automobile, financed through WDS/WFS, we documented and provided full disclosure of a million dollar plus auto insurance policy which fully covers the said vehicle. Faxed copies, certified mail copies, and regular mail copies were subsequently directly administered to and received by Wachovia Dealer Services via fax, mail and agent confirmation telephone contact as requested through WDS; as well as Balboa Insurance Group via the Balboa Ins Group public fax number, website address included on correspondences from WDS (ihaveinsurance.com) and certified mailed copy of full coverage sent to WDS and BIG's company provided contact information.

We documented numerous phone contacts with BIG and WDS confirming auto insurance coverage over the course of approximately 4 months. We have thoroughly documented all contact with BIG and WDS as have our Insurance Agency and policy holder provider agency.

We have been assured by WDS via customer service rep 'Bill' and customer service supervisor 'Nick' in the California based office of WDS [protected]) that the error on the fully responsible part of WDS via Balboa Ins would be rectified and the fraudulent attempt to continue to charge my loan account for proven unnecessary auto insurance charges (including but not limited to additional late fees, collection fees, etc) would be credited.

To date, WDS has continued to harass me via my employer and employee work related contacts; namely the customer service rep 'Angel.' Angel has been repeatedly informed of the WDS error and the service appointment of his supervisor 'Nick.' 'Angel' has received clear directions to not contact my employer and my employer's main corporation office-Angel's continued actions are directly causing numerous harms and damages to be disclosed.

My auto loan payments have been declined by WDS or held pending late (etc)due to the additional Balboa Insurance charges arbitrarily and incorrectly assigned to my auto loan account. These 'supposed' late payments have negatively impacted my credit. Currently the Dec 2007 payment is also being declined by WDS and additional late charges accrued without warrant.

Wachovia Dealer Services and Balboa Insurance Group ( BIG publicly reported as owned by Countrywide Financial Services) are theoretically only permitted to cause damage to consumers through lack of unified consumer action and poor representation.

If you are a consumer and you have a well documented complaint with the aforementioned company's please publicly respond to this posting. I am not an attorney nor do I represent one. I am a consumer; one who will not tolerate fraudulent damaging actions taken against me.

I am posting this solely to inquire about the potential advocacy of initiating a class action investigation from consumer peers. I am also interested in well documented evidence of WDS and BIG's financial profits obtained through similar practices taken against other unsuspecting consumer's and any personal damage directly caused by the WDS and BIG's collection practices, arbitrary assignments of auto insurance, and consumer protection violations; including any consumer reporting actions taken with local state attorney general offices.

I refuse personal liability for any unauthorized changes that may be made to my posting without my knowledge and or consent.

Where do I begin... All I can say is that we needed to get our son a dependable vehicle so we went to the local dealership in town and found one that fit his needs. We then went and had him start filling out the paperwork and they came back saying that Wachovia woudl do the loan. What we did not know at time is that woudl begin the nightmare of working with a bunch of PIGHEADED, RUDE, SELF CENTERED PEOPLE. My son had gotten custody of his two children and at the same time been laied off at his job so he got a new job and the pay was not the same as he was making before. Needless to say he fell behind on one months payment. We then started to get hounded by the Vampires in their Collections Department. My son had made arrangments with them to do an auto draft from them and they failed to do it on the day that they said it was going to be done. Another day passed and they still had not done the Auto Draft. After the third day he took it upon himself to do the right thing and get them thier money and went to the bank and got a money order to send them. He sent it and the next day they tried to do the Auto Draft... 5 days after they were to do it the first time.
Fast forward 3 days now (28 Nov 08) they call my son at 4pm and tell him that if they did not have the money by 5pm, one hour later, that they were going to come re-po the vehicle. So my son calls me and we get the number to call them to see what needs to be done. When my wife calls and asks to speak to the person in charge she gets this woman on the phone that PROCLAIMS that she is the supervisor and that SHE makes all of the decisions on this account. Bear in mind that this account was only 57 days past due... Not 90+ days like every other loan institution out there does. While this woman named "Sierra" was on the phone with my wife she was a total and rude B*@^CH! She (Sierra) claimed that my son had given her bogus information. What really happened is that she had transposed the numbers that my son had given her and she make the mistake but she never admited to it because she said that she Never makes mistakes. As far as i know everyone that is Human is prone to make mistakes... All but this one named Sierra... She is perfect.. The first human robot nto designed by Bill Gates.
This company is by far the worst company that I have ever had to work with and at the first chance that I have I will re-finance this vehicle as to not give this mis-labled Company any more of my money. If you ever know of any one that is trying to get a loan and a dealship tells them that Wachovia will give them the loan... Walk out the door! You would be better off walking every where than dealing with these vampires. They have no feelings and are NOT Willing to work with you to make payments to them when they are the ones wanting their money.

My father financed my vehicle for me. I was contacted by the customer service department by Brandi at [protected]. Brandi contacted me in regards to the current charges on the account. While doing so I requested that she provides me with the previous payments that were paid or outstanding and she became very rude and stated that there has been a current bounced check. I was not at all disputing that however I was inquiring on the previous charges to make sure I had a clear understanding on the current charges. At that time I requested to speak with her superior. Mr. Jesse at [protected] was placed on the phone. I began to explain my contention and I requested if he can provide me with a thorough break down of the previous charges and how they related to the most current charges. Prior to speaking with the two representatives I had previously spoken with two other representatives that had provided me with different figures. Mr. Jesse (I do not have his last name) stated that if you are going to dispute the charges that he would need to speak with the account holder my dad. I explained that I was not attempting to dispute the charges and that I was looking to speak with someone that can provide me with CUSTOMER SERVICE. Mr. Jesse stated "that Wachovia does not provide customer service" He then began to say that I was not the customer and that my father was. How ever Wachovia contacted me to discuss the concern because I have thus far made all of the payments since the purchase. Mr. Jesse became very arguementive to where I could not believe that he was in a superior position. I reiterated to Mr. Jesse that I was in no way attempting to dispute the charges and that if he would kindly provide me with the current charges and the previous payments that were made. Mr. Jesse continuously repeated the fact that there was a check that did not clear, and that he was not sure of what I was looking for. I reiterated again that I was looking for someone to take the time to provide me with the previous paid charges and the current. He stated that he did not have time to play with me, and I explained that as a consumer I am entitled to know what I will be paying. He stated that I wasn’t paying anything and if I were that I would not have a bounced check. I feel that this was irrelevant in regards to my question. He was very sarcastic and should not be in the position in which he so called hold. As a customer service representative for a much known cooperation or fist priority is the customer. If I was attempting to neglect my responsibility I would not have returned phone calls to discuss the concern. As consumers we have the right to know what we are paying for. At times we get frightened when figures are thrown at us and we may not take the time to request a break down and we just agree to make the payment. I don’t see anything wrong with requesting a break down on the payments that were made versus the outstanding charges. I am sure that as a large cooperation Wachovia would not agree to such treatment. Again I was not in anyway attempting to run from my obligation and I do understand that there has been several payments that may not have cleared How ever I feel for the most part in the past 2 ½ year of being a customer I have taken care of my responsibility. It’s unfortunate that this is a time that I feel a little short, and I did not need Mr. Jesse to remind me about it. At the end of the day we are all customers and I hope that he is never treated the say that he treated me. Rather you make your payments on time or not, I deserve the right to be treated like he would like to be treated.

My last payment on my car was 32.78.My payments had been 301.12.My payments were automatic payments so when it was taken out they took 301.12 and when I called them on it they said I would have a refund check in 2 weeks.So because they are idiots I am out 260.00 dollars for 2 weeks.Not a lot of money for a lot of people but for many of us it is quite a bit.

I wanted to add to my previous post from yesterday (Excruciating Collection Dept Cus. Svs), that I was active duty for number of years at the time I received the car loan from Wachovia.

I fell into a spiraling health condition (severe heart complications, and recent open heart surgery) which caused my early discharge from active duty, and the start of my financial difficulties at this time.

This was not taken into consideration by Jane (she works in the collection department at Wachovia).
She was numb to my circumstances, and did not allow me to make arrangements to pay, but instead, she annotated my account that I was upset and wanted the vehicle repossessed.

I'm in dire need of my vehicle to get back and forth to medical appointments. I wonder if Jane can be held accountable for her substandard customer service, and the untruth she annotated on my account about the repossession?

Never have I come into contact with a company this ridiculous! I am beyond pissed and frustrated. I have written Wachovia more times than I can count regarding their staffs behavior with no response even when letters are stapled to the payments; the payments get deposited but the accompanying letter never gets any response.

They claim I do not return their phone calls but I have cellular phone records to prove I spoke with them when I told Nicole (direct line [protected]) she got snotty with me and told me I “ am full of it and I do not return calls or there would be a notation of me calling". I am having financial problems due to an injury and instead of trying to work on a compromise their staff threatening to take the car away constantly sometimes when payment is only 2 days late. They fraudulently represent information harass and threaten me in order to get a payment in quicker.

Last month I spoke with Nicole I told her I needed to pay the car insurance before making another payment she told me not to bother paying the car insurance because I won't have a car to insure if I do not make the payment that day by western union and it wasn't even late at that time. I have insisting on only accepting written correspondence so their staff can be held accountable for what they say and do but they will not stop calling or give me or send anything in writing.

I have requested an account statement outlining the last year's payments dates etc because what I have record of does not match what they are telling me. I have never received that even with four written requests and six phone requests I assume this is not being provided because it too will prove they are lying.

Nicole has called my family, friends, and my ex-employer and who knows who else leaving messages with and discussing my personal information in detail. When I told her this was unacceptable she said it was unacceptable that she couldn't reach me and that she could call whoever she wanted and tell them whatever she wants to I have no say. I voicemail messages from her at 4:15 p.m. demanding I return her call by 5 pm. I have received up to 15 calls from them during one day. Wachovia is a predatory lender and make more money racking up excessive fees late changes, interest and using illegal tactics to make additional money. When I told her I was going to find an attorney or file charges against them she said “how are you going to do that if you don't even have the money to make your payments on time." That's a great attitude if someone isn't loaded with money they can be treated like crap.

This company is unscrupulous. I suggest anyone thinking of doing business with them to think twice and run far far away unless you're a masochist like getting abusive phone calls every day. They are worse than having a gold digging ex-wife just like a tick sucking you dry.

I received loan from Wachovia Dealers Services a year ago. All of payments had been made on time, one month my payment got lost in the mail. I received a call from a lady named Kathy, she was rude from the start. She didn't even ask me who I was to make sure she had the right person. The first thing out of her mouth was "Why haven't we received our payment yet?" After finding out who I was speaking with. I replied that I had already sent my payment two weeks ago. I got the comment "Stop lying, I will have your truck picked up before you woke in the morning." After that comment I become VERY rude with her. What I said I can't place here. I will NEVER deal with this company again. I traded my truck so I don't have to deal with them.

Was out of work due to being hospitalized heart problems which caused me to get behind on my payments. Received phone message from Jenny telling me that she did receive a payment from me of $400, but it wasn't enough and that I needed to send in $200 more to keep it from being repo and if I needed more time to come up with payment, please call me. Was not able to return to her call right away since I was out in the field at work.

When I did get home that afternoon called Jenny.' Mr. Caldwell what's going on with your payments your car is very close to being repo or you return the car to us on your own. I did get a payment from you today 5/11/08, I made the transaction on 6/5/08 it was just getting posted to her, strange. I replied 'What about the 2nd payment I sent the next day 6/6/08 $300. She 'I don't see anything showing that, do you have the western union transfer number, which I did read it to her, She 'Ok I have a meeting that I need to go to, so I can't check right now to verify that we got it, so call me in the morning and I will let you know if we got it or not, then figure out where we go from here, time was around 4:30pm.

Knock on my door around 6:30am, was my daughter 'Dad they are taking your car. So run outside gentlemen already has it on his tow-truck. I tell him there must be some kind of mistake and that I spoke with Jenny yesterday afternoon and she needed to first verify if my 2nd payment was received.Tow-truck driver checks his paperwork to see if there was a cancellation form submitted by Jenny who was named as the individual requesting the repo be made, which was faxed to his office at 2:30pm 6/11/08. STRANGE fact is that I spoke with her after 2:30, she was already going to repo car before even checking to see if any other payments were received by there office. Having car taken in this such manner was very degrading and wrong for it to even happen.

Called left message on jenny's phone asking her to call me in reference to checking on my payment, did not mention anything about car being repo. Waited for call from her didn't happen after office had been open for a hour, but had to call her instead. Ask her if she had any information for me about my payment I send in, She 'Didn't get a chance to check to see if payment was received' I replied 'Ok then could you please explain to me why you had my car repo if you have not even checked to see if there was a 2nd payment. Then she starts talking about the bank will need to reinstate my account which was going to cost me a considerable more money. Ok ' So tell me then how much is that going to be then, I need my car' Jenny 'I don't know off hand not until the repo office process there paperwork, maybe somewhere around $2, 000 not sure, plus it takes between 24-48hrs to do paperwork. I stated that I was very confuse what just happen. First you leave message telling me that I needed to send $200 more and if I needed more time, then you turn around and have my car repo so you can collect more money from me while the whole time you were planning to repo my car anyway. Telling me one thing and doing another could not get her to tell me how much it's going to cost to get back my car, Only believe I was behind a month, but according to Jenny I was 2months behind, that can't be funds are supposed to be taken out of my account electronically. She said that they attempted to collect payment from my account but funds were not available. That's bull----. I have a courtesy account which will cover payment transfer up to $780 even if account does not have full amount there. So I checked my credit union statement, which would have showed where my account was overdrawn if they actually tried to get a payment and charged me $25 for not having funds there, which I wasn't, so there office didn't even try to get payment from me which made my account behind. HELP what can I do to get this resolved. Oh by the wy called Wachovia and asked if I could speak to Jenny supervisor/boss about my problem, was told that she didn't have a supervisor, was transfer to another individual who I told what was going on, she said that Jenny and her do the same thing, but since Jenny was handling my account she could not give me any information, Said that she would talk to Jenny when she returned from lunch to see what was going on and have her call me about the status of my account, NEVER CALLED ME BACK, that's funny when they blow up your phone answering machine calling for there payment everyday at all odd hours. THIS IS NOT THE WAY TO DO BUSINESS!