I was 2 months behind in my loan and constantly harrassed by phone, mail, etc.. I like my car and wanted to pay, but was in a temporary financial setback. My husband lost his job and we had to move to another state but had a mortgage on our home in the state we moved from also. On top of that, we had a "tenant" that not only didn't pay us, but damaged our home and we had to evict him.

I explained this to the loan officer but kept getting the calls - they even called my mother-in-law to discuss this which, I know, is against the law (personal information violation).

One phone call last month I spoke to a "supervisor" who said I could not discuss the loan with the other nice lady I had been working with as it had escalated to her level. I advised that I would make a payment in the next couple of days and she said that was not good enough - they would not accept it - I would have to make two payments. She was condescending, rude and demeaning. I was so upset after our half hour call that I almost went to the doctor.

About a week later, my husband got a call and discussed an arrangement with one of the "nice" ladies we talked with prior to my discussion with the so called supervisor (I doubt she really was). She asked if he could make one payment by Nov 9th. He said he'd try but most likely could not pay until the 16th.

They sent a tow truck on the 13th claiming we breeched our agreement!!! I had the money to make a payment and planned on making it that day and my husband's unemployment check was coming on the 16th, which we planned to make the other payment and catch up! THEY WOULDN'T ACCEPT THE PAYMENT AND TOWED OUR CAR. HOW LAME IS THAT?!!! And if we want our car back, we will also have to pay the tow charge of over $375! RIDICULOUS!

In this economic climate, I don't see how this kind of treatment is beneficial to anyone!

Every complaint about Wachovia Dealer is true and people I'm with you, heres my story, when I agreed to this loan, I was told that I could make three deferments on the life of this loan. On christmas eve last year my wife became very ill and I had lost my job, wachovia constantly kept harassing me for the payment and when I requested for the deferment they denied me, but some how came up with the payment, unfortunately there were late charges and interest that total another car payment, every month that I sent in a payment I would still be one payment behind. Now my wife is not working and have rent to pay plus utilities and no negtiating with Wachovia. Until now I just gave up with this bank, I filled for bankruptcy and let the repo man take the car, so without further adue "Kiss my Ass! Wachovia Dealer!!! hahahahahahah" and for those who say I was wrong for not keeping up with the terms screw you!!! atleast I'm not in debt!!!... Credit is a government plot to screw you!!!

I have paid a car loan for over 18 months of $375 a month without ever being late. (36 month loan)

Recently after Ankle surgery where I would be out of work for 3 weeks with no pay, I called to see about getting a defferal ($25 fee and that payment is moved and not paid until end of loan). Having never even been a single day late on payments I would have thought this would be a no brainer. I didn't realize that THEY were the "no brainers".

I was told by Wachovia Dealer Services, that since I was on a "medical leave" and had no guaranteed income (thus the NEED for the deferral) that I was unable to get a deferral. Their reason was that they had no way to guarantee that I would have any income. The fact that my job is guananteed by FLMA didn't matter to them at all.

They said "when you go back to work" call and ask again.

REALLY? So, when I'm back at work and no longer need the deferral, ask about a deferral? This is their way to avoid ANY deferrals. I can guarantee that if I call and say I am back at work and need a deferral, their reasoning will be that I no longer need financial assistance and I'll be turned down again.

On a side note, I called another bank with another loan that is local to me and they said "We would be GLAD to give you a deferral" and suggested I talk to them about ref-nancing my car to their bank.

I would suggest everyone uses a local bank for their car loans. Wachovia Dealer Services will never be a lender of mine once I get my car re-financed to my other bank.

Jim Johnson

After being unemployed for over 5 months, I managed to be only two months behind on my payments
On 11 September 2009, I sent a Western Union Quick Collect to Wachovia Dealer Services in the amount of $1745.86. MTCN: 184-528-2375, to bring the account current
On 14 September 2009 I received a call from Mr. Johnson of Wachovia Dealer Services (collections division?) informing me that the payment I sent was not received and that he was sending someone to “get the vehicle” I informed him that I did indeed make the payment via Western Union and that I did not understand why he did not receive it. He stated in an extremely rude tone that he checked the system for loan number, amount, and MTCN number and did not find it. He went on to insinuate (in an extremely rude tone) that I either did not make the payment or I deliberately supplied the Wachovia Dealer associate with a false number.
At this point I interrupted him and asked him point blank if he was suggesting that I was lying about sending the payment and informed him that I did not like the way he was speaking to me. He did not respond to the question, but repeatedly (at least 8-10 times) shouted at me “DON’T’ TELL ME HOW TO DO MY JOB” I shouted back “I’m not telling you how to do your job”, I telling you not to talk to me like this. I then lost my composure and swore at him and told him I wanted to speak to his supervisor. He promptly hung up. I called back and an associate answered and I asked to be connected to a supervisor and was put through to Mr. Johnson again. I asked Mr. Johnson if I could speak with his supervisor and he said “I am it, every time you call here you are going to be put through to me. He also stated “don’t bother calling back I have already sent the order for the vehicle to be repossessed”, and then promptly hung up.
The issue that I had with Mr. Johnson was that he was extremely rude, and despite him repeatedly telling me not to tell him how to do his job, I feel if he was doing his job properly he would have asked me to fax the Western Union customer receipt as proof. Never at any time did he ask for it. He gave me the impression he was determined to repossess the car, regardless of the facts.

In attempt to resolve the situation I called Michelle. Michelle had been assigned the account and I had been in regular communication with her in an attempt to bring the account to date. (I was unemployed from Feb – August 2009) Michelle informed me that she had been pulled off the account and that it had been reassigned to someone else. (Bridget) I told Michelle about the incident with Mr. Johnson and asked to be connected to his supervisor. Michelle told me that Mr. Johnson’s supervisor was not in the office today, however she gave me the number of another supervisor who was on duty. She then connected me with Bridget, who asked me to fax the Western Union receipt.
I then called the number Michelle gave me to speak with the supervisor on duty. I cannot recall his name. I described the incident that I had with Mr. Johnson and was met with silence. I asked him did he hear what I said and he replied “the reason that you are talking to me now is because you did not meet your responsibilities and that if I had made my payments like I was supposed to this would not be an issue. He also went on to provide unwarranted “sound” financial advice such as, I should call Western Union and get my $1745.86 back and buy a car I can afford. I told him that I did not call him for financial advice; rather I was calling to file a complaint about Mr. Johnson’s behavior. He did not stop there. He proceeded to admonish me for being financially irresponsible, for not being a man and not living up to my responsibilities. As an example he referenced two late payments on the account from November and December of 2008. He went on to state “I assume you are an educated person, you should know better” I asked him “how can you say these things to me? You don’t know me or my financial situation and its totally inappropriate for you to been making such statements to me. He promptly hung up.
Mr. Johnson’s and the un-named supervisor statements lead me to believe that their goal is to reclaim the vehicle, regardless of my attempts to bring the account current.

Okay, I have read several of the posts regarding Wachovia and I have to disagree. It seems like everyone that has a complaint are also past due on their loan. So, you should ask yourself why are you getting upset when YOU are not complying with the terms that you agreed to? AND, they are waiting until 50+ days PAST due to start bothering you about where your payment is?

It makes me sick reading all these posts! I have been a Wachovia customer for over 3 years and just refinanced my loan AND my other loan through another company with Wachovia.

I guess the difference between me and you is that I pay my loans on time and am dependable, therefore when I need assistance from Wachovia they are more than happy to assist me.

Pay your bills on time and you would have a LOT less to Bitch about!