This company billed me for insurance on my Auto when I already have it. I paid the bill until I found out itwas for. I paid the regular payment and did not pay the insurance. Wachovia will not return the over payment, nor will they call the credit reporting agencies to have the overdue payment re3moved. This has dropped my credit score by 50 points. They have refused to correct this Issue.

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 have had the unfortunate experience of having to deal with this company due to a relatives serious medical condition and inability to handle financial obligations at this time. When attempting to resolve payments on this account on behalf of my relative these rude, arrogant, unbelievably mean representative were talking to me as though I was the irresponsible person who had not paid the bill on time. I have never been spoken to by anyone in my life the way I was with this company. ...INCLUDING THE "MANAGER/SUPERVISOR" They really should be put out of business or sued for their verbal abuse toward their "customers". The representative I spoke with was so rude to me, I stated, "I am not going to listen to you speak to me that way or in that tone." His response was, "You are in no position to make any demands to me. I am the one who will make demands of you!" Can you imagine!!! This isn't even my bill. They must be so accustomed to speaking to people regularly in a degrading manner that they forget that I had the power to send them more money. I'm not going to now. They can deal with the inconvenience of the car being reposessed. My relative's credit is already trashed...another repo isn't going to do anything worse to it. I have been telling everyone I know who is car shopping to avoid this company. Spread the word to stay far away from this company.

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 (800-289-8004) 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.