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?

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!!

So back in august of 2006 I started working for a car dealership and found a vehicle I wanted to purchase. I had fairly crappy credit but was approved by WFS Financial who was later bought out by Wachovia Dealer Services. So what happened is I kept the car until January of 2008 and sold it due to the high interest rates and wanting to get rid of my car payment. I sold the car and drew up a contractual agreement that stated to the buyer that when I received the title in the mail i would sign it over to him and all would be said and done. It is now present day April 29th 2008 and i still have not title in hand. I was told when I sent in the final payoff check to include title release information of who to mail it to and what address. They actually sent the title to the wrong address, "my old address" they had on file for some strange reason. So now what has happened is that they sent me a lien release letter--to the wrong address again!!! No kidding. So now they have express shipped me a new lien release letter to the correct address and when I took it to the bank they tell me I have to pay a lost title fee $55.00 and a title transfer fee $55.00 so at $110.00. Not to mention the tags have since expired on the car and cannot be renewed without a title and the new owner of the car has paid for two trip permits at $20.00 each so $40.00 total and you are not allowed to get more than two trip permits a row in Oregon so he has been pulled over 4-5 times and hassled because he has no proof of ownership besides the bill of sale. I spent this entire morning on the phone and worked my way up to the office of the president who in short told me that I only mailed them a check with no title release info and the used the best address they had which is a total lie. I was told they would not incur any costs and that they were sorry for my frustration but could not help me because there is now way they made the mistake. I have photocopies of the letter that I signed and dated telling them to mail it to the proper address in bold huge writing. In short I was made into a little person that did not matter and there was no one else to talk to. Not to mention the person who bought my car has gone through his own hardships by not having the title. Wach out for Wachovia there are crooks who don't care about anything having to do with keeping their current or ex-customers happy period.