Wells Fargo stole $610 from me and took my car while in the middle of paying them $610. On June 2, 2011, I was in the line at the Western Union booth at Safeway making out a money order to be paid to Wells Fargo Auto Finance. While in line, the representative in the billing dept at Wells Fargo was on the phone aware of what I was doing. I told him payment was made and agreed to make the rest of the payment 2 weeks later, as was specified in an on-the-phone agreement between myself and representatives of their company a few weeks prior. You see, I have been unemployed recently, and my bills have been a little hard to pay. I have worked all my life and am trying desperately to find at job (even at the moment). I told them this on the phone and they acted like they 'so what?'. Anyway, I made an agreement with them to pay $610 worth of car payments on 05/29/2011. The only problem was that neither I nor the representative at Wells Fargo realized that this was Memorial Day and Western Union was closed everywhere I attempted to go that day. I ended up calling Wells Fargo and telling them of this and they gave me a hard time, but in the end I was unable to find a Western Union that was open. I paid them the $610 on Thursday, June 02, 2011 (3 days later...I had to go to Baltimore to take care of my mother who is sick). While at line for Western Union, I had the representative of Wells Fargo on the phone, and he was fully aware that the payment had been satisfied. This was at 4 30. At 10 00 pm, on the same day, a tow truck driver knocked on my door saying he needed the keys to the vehicle because his company had received a call around 8 00 that very night that a repossession order had been sent to them by Wells Fargo for our '07 Dodge Caliber. By the way, Wells Fargo would not allow me to pay by credit card on the phone despite the numerous times I had asked them to do so. So I go back online and call Western Union to stop payment, and to my surprise, Wells Fargo had already taken payment. How can a company such as this take $610 away from an unemployed father of a 2 year old (our only car) and act like it is just business as usual? They defaulted on their on-the-phone contract they had given to me. It was confirmed both by a representative within Wells Fargo (I think he slipped up) and the tow truck driver that the order to repossess was made after I had paid them my part of the obligation. In 2 weeks I was planning on paying them $300, like our agreement which was made on the phone specified, therefore paying my end of the obligation to them. That $610 could have went to a down payment on another car or went to feed my almost 2 year old daughter. We now have to walk to that same Safeway whenever we cannot find someone to give us a ride all because a national bank lied to me over the phone. Is this legal? Is this morally right? I know I have been robbed...I just pray that others see the wrong this company which states 'it is here for the consumer' has committed against a regular, hard-working American family for no reason at all.

I accepted auto loan from Wells Fargo Auto Finance in 2006. My loan was for 48 mos and matured 1/2011. I have been late for the entirety of the loan because I over estimated my ability to meet the note ($689 monthly) but I always paid the late fees. The auto was repossessed once and I paid the fees to retain it back. In December of 2010 I spoke with a very nice agent who assisted me in getting the loan caught up. I paid $1400 that night via Western Union and then authorized a bank draft the following week which made me current to that month. According to the agent the remaining balance on my loan was $1823 which included the Jan payment. On Jan 12 I scheduled the final bank draft of $1823 to be taken on 1/24/11 which was the final amount due on the loan. On 1/24 this amount was drafted from my account as scheduled. On 1/6 I received a statement which confirmed the amount as I discussed with the agent. In february I began receiving collection calls stating I owed a balance for late fees in the amount of $1824. I then began to explain that the amount was the payment taken in Jan. The agent stated that that amount was for the principal balance due and not the late fees. I disputed that for several weeks. In March the same collection calls kept coming and I continued to express my point regarding the payments made and the agent information provided to me along with the statement/letters sent confirming the payments. Nothing helped and the agents began to get nasty with their conversation. On April 9th I again had another debate with Wells Fargo collection agent regarding my auto loan. This time a Supervisor explained that I owed $1791 for Interest that had accrued on my loan during the times I was late. I argued that this cannot be because I was told that the final amount due was $1823 in December and that I paid that amount in Jan as agreed. The Agent then stated that $1200 of that was for late fees and the other was applied to my 48th payment. I then asked how could Interest accrue when the loan was paid in full in the month it matured? I was informed that I had a "simple interest" auto loan and for every day I was late interest was accruing outside of the late fees that were being charged. I was told if I did not pay the $1791 by 4/12 the vehicle would be repossessed. On 4/11 I again called trying to reach an agreement but to no avail so I paid the $1791 via Western Union. The very next day I got collection calls again now saying that the $1791 was not a payoff but I still owe $91 and the vehicle is subject to repossession if I don't pay it immediately. I argued against it stating once again I paid what you guys said was due but to no avail.
I am lost at what to do but I know that this is not fair lending practices and that what they are doing is because they know lower income individuals dont know the law regarding lending and tha fighting them for their unethical/illegal behavior is seriously hard. Something needs to be done about this!

My Husband and I purchased a Vehicle with the assistance of Wells Fargo Auto Finance loan, we didn't have the best credit so it was a high interest loan. There were times we were behind on payments. One time they even repossesed the vehicle after accepting a payment and then returned the vehicle to us...finally in March of 2008 we paid the loan off, received the title and the next year we traded it in on a new vehicle. Durring the course of the loan they marked our credit report as the vehicle was repossesed however the vehicle was still in our possesion and payments were current, I even received a letter stating that it was not suppose to be marked in repossesion on our credit report. Here we are more than two years after paying the loan off in full...my husband has a credit review for his job and they have the loan marked not paid in full but charged off bad debt to the tune of over $7000!!! So when calling to correct this (I have two days to do this or my husband will be fired!!) I'm directed to submit the dispute to the credit agency and to WFAF internal Credit Dispute Resolution and they will get to it. I finally get escallated to a supervisor who tries to send me a paid in full letter (to prove to the employeer that its paid in full) but he is not sure he is able to due to the account status of it listed in REPOSESSION!!! Let me clarify they repossesed the vehicle ONCE and handed it back to me the very next day with their apologies for making the mistake!!! However they listed it TWICE on my credit report AND now they have marked the account as CHARGED OFF when it was PAID IN FULL over two years ago!!! Something has to give with this company!!! I will NEVER use or recomend them EVER!!!

I HAVE MY CAR FINANCED THRU WELLS FARGO AUTO FINANCE. THEY HAVE HARASSED ME AT WORK, AT HOME, MY FAMILY AND MY EX-HUSBAND THAT I HAVE NOT BEEN MARRIED TO FOR 40 YRS. THEY JUST WILL NOT STOP AND I AM GETTING REALLY FED UP WITH THEM AND THEIR COLLECTION CALLS AND THE RUDE EMPLOYEES AT THEIR COMPANY. I AM NOT SAYING THAT I'M NOT BEHIND ON SOME PAYMENTS, BUT I AM DOING THE BEST THAT I CAN WITH A LIMITED INCOME. I HAVE ALWAYS PAID MY CARS OFF. IF ANYONE HAS A CLASS ACTION LAWSUIT AGAINST THEM, I WOULD LIKE TO BE IN ON IT. MY E-MAIL IS [email protected]. PLEASE LET ME KNOW.

For the last 2 to 3 months, my husband and I have been receiving phone calls from this company. The problem is that they are looking for a man named James. There is no one here by that name and they have been told repeatedly that they have a wrong number. Instead of apologizing and stopping the calls, they get aggressive and keep calling. I got another call this morning (before 9 am) on Saturday Jan. 15. I told her that she again had the wrong number. She screamed at me and told me to have a nice day. Are the women there stupid? Do they not know what 'wrong number' means? We would love to know how to stop this harrassment. Unfortunately, when you call the number back, all you get is a recording. I don't know anyone's extention and even if I did, they wouldn't understand my request anyway.