I refinanced my 2007 truck with Wells Fargo Auto Finance...HUGE MISTAKE!! I dealt with a Robert D. loan rep who I have come to learn is full of crap back in Sept/Oct 2007 about refinancing my truck well I was approved but they jacked up my payment to over $500 a month! However, this Robert D. loan rep told me that I could refinance it again in 4 months and they would drop the payment considerably! All I had to due is make the 4 months payment on time and it would be refinanced in February and that he would call me in February 2008 to complete the transaction. In the refinance they also tacked on $900 extra to pay off some small credit cards he told me that would help me and my credit score rise in those four months. He said I had equity in the truck so relying on his "word" and good faith I did everything I WAS TOLD TO DUE BY ROBERT D. AT WELLS FARGO AUTO FINANCE, well guess what February came no call from Robert so I called he pulled my information and told me he couldn't do anything for me! I WAS PISSED!! He said the balance on the truck was too high, he's the idiot who told me I had equity in the truck four months prior. HE LIED TO ME!!! He continued to tell me to wait until I got my check from "Uncle Sam" to pay down on the balance then call him back to see if they could do anything for me. I AM SO MAD AND IRRATE AT THIS LIAR AND WELLS FARGO, they used me, they lied to me, and treated me like shit! They really don't care!! Since then I've struggled to make this $531 payment and have been late with it becuase I don't care and tired of worrying and each time a collection person has called me I tell them to shove it and they should call Robert D. as he put me in this situation as I relied on him the specialist to lead me in the right direction. I have called lenders and my own bank to try and refinance it and no one will because of the balance on it and KBB value is less then half of what the balance is so I'm stuck. Robert D. and WELLS FARGO FINANCE COMPANY SHOULD BE ASHAMED OF THEMSELVES IN WHAT THEY HAVE DONE TO ME AND OTHER PEOPLE. I'm writing a letter to the Better Business and the Chairman of Wells Fargo. They need to make this situation right. Thanks for nothing Robert D. and the added stress and financial worries you gave me you are a heartless wells fargo employee!

Wells Fargo Auto Finance financed a vehicle for me when I had just cleaned up my credit. No other lender would finance me. They charge outrageous interest rates but I went for it.

After six months, I ran late on a payment. If you are more than 3 days late, the calls start - automated phone system. With each day you are late, late fees are added and the phone calls become more frequent, like every 20 mins. You call them, make a payment arrangement or pay online, and 15 mins. later you get another call from a rep in another cityand you have to repeat everything because their damn computer system does not show them that a payment was made or notify them of the payment arrangement you just made. So you continue to be harassed.

They also started leaving these messages nonstop on my Prepaid Cell Phone which caused me to run out of minutes. I told them not to call that number and when I did they said they had no record of that number. ???

After some medical expenses, I requested an extension. First, they required a payment and then said they would do it. Then they took my "application for extension" and told me to call back in 3 days to make sure it was approved! I called back and it was refused. Come to find out they RARELY give extensions, especially if you are late.

So then, being two months late, they started calling me at my place of employment, after I told them not to. Then, to make matters worse, they called my Human Resources Manager and re-verified my employment and asked her to be sure and tell me they called.

So, I moved out of my home and in with family so I could get back on track. Once you are behind, they will screw you with late fees, harass you with phone calls, and call your employer.

DO NOT DO BUSINESS WITH THEM!

My old car got really dangerous, I went car shopping w/ my mom, in 2004 & purchased a 2004 Accent, in August. One year later, I receive a call from Wells Fargo in Louisville, the woman Sheri Latimer stated that she was reviewing loans & noticed that I had always paid on time, she stated that Wells Fargo would like to have the loan between them and myself dropping my mom as the co-signer. I was really happy to hear this, because even when I made a payment, if it had not posted yet, even if it was one day late, they would call my mother - who would then reconfirm w/ me that payment had been made.
So, I take off from work, go to the W.F. A in Middletown, and discuss some things. I wanted to know what my payments would be: the same (of course at a higher interest rate, due to my mother having exceptional credit). I wanted to know if I would still have gap insurance, I was told yes - and cut off, she said "Ariel, everything will be the same the only difference is that your mom is no longer on the loan - it will be just you and us. I looked at your credit score, and you do need to take care of a credit card, however, you can also apply for one of ours. And you are also eligible to get up to $1000 back, that you have already invested in your car."

I swear thats how the conversation went - I was really happy when I left, because finally everything was falling into place... then came August of 2007, when my car got totaled out by a teenager going the wrong way. My gap claim got denied by Beacon Gap - I asked why, and they said because you REFINANCED. I immediately called Wells Fargo, & told Tammy, a long standing employee there, and I got Beacon back on the phone, Tammy argued that they were wrong to deny the claim, due to me being on the original loan. WFA basically thought that by me being an original olbigator with the original loan, that it transferred over - but it didn't. I would have had to open up a new gap claim at the time of the signing in September, just as I did when the car was first purchased in August of 2004. My gap ins would have cost me somewhere in the $300 range... had I known - I would have gotten it, when I received the invested money in my car... if Ms. Latimer had just told me bluntly that she did not know whether I still had gap insurance, I would have called Beacon myself and taken care of the issue, I had the money to pay for it. SO now, I get phonecalls all the time from Wells Fargo, all of them having no idea of whats going on - I have a $3000 gap, and I am now making payments of $276.59 each month, plus my current car payment - I realize that mistakes happen, but I asked all the right questions, and was told the wrong information! And because of that, I am suffering - I asked why is there not a disclaimer that includes your new account number, to say that if you previously refinanced to contact your gap subscriber - but I was informed by Trenice in the W.F.A that the consumer should be aware - I told her that I was aware - she told me that I should have read my gap claim policy better, and that W.F.A wants to get this account taken care of immediately - my loan payoff date was not until 2009 - I asked if it were possible for them to work with me, maybe do $100 a month - no was the answer, "Your agreement was to pay 276.59 until the loan was paid in full." I reminded her that I was not the original signer of the gap paperwork, my mother was, and that I inquired at the time of signing if gap was still on my vehicle. Trenice told me that "THAT WAS HERESY."

Conversation over - I am so filing in small claims court - this company is terrible - if they did not know, they should have said they did not know at the time, instead of telling me that I still had gap, OR they could have said "Let me take a look, you know I am not sure, it would be best for you to call Beacon & contact them." I believed their words, and thought they were right - implied covenant of good faith.

Today is the 4th, my payment is due on the 1st and it was sent out on the 28th. I have a grace period and have asked Wells Fargo, via email and phone to not ever call me unless the loan is 10 days late as I do have a grace period. They have called me today a half dozen times and just a few minutes ago called again and finally left an automated message.

In the past they have called and requested to refinance and after the first time they denied me, I told them not to ask again. They called, and again, asked to refinance my loan. When I told them it was no use because they would not be able to help me, they said sure I can help. So, I let them try again and to be told, denied. I am tired of them asking me to refinance to be told they can't do anything for me. I also stated this in writing. I pay all my bills on time and I am not sure why they can't just leave me alone and chase someone that is past due.

I went to review my online billing today and they again, have charged me for things I was never made aware of. Beware!

I had ran into financial difficulties a couple years back and I had some leverage on my truck so I refinanced my truck through Wells Fargo. WHAT HUGE MISTAKE!!! I was making payments to them on a monthly basis. They may have not been exactly on time but none of which was over 30 days. I ran into a financial snag which I had to be late with a payment with them for almost 30 days late but again nothing over 30 days. That's when the headaches started. I would get collection calls almost 15 per dat, stating that I was almost 54 days past due of $320 which seemed funny to me because my payments were almost $500 a month with them. I naturally got hit with lates fees, processing fees and fees for making a payment over the phone with a live rep. So I paid it and that's when things really started to go haywire. Every month it seemed that I was always short a payment here or there and I woulod get hit with all these fees on a monthly basis. Eveytime over the phone the rep would tell me that everything is all caught up next payment is due on my next due date and everything is fine. No more than 3 days later they tell me I'm still behind and they told me the other rep was wrong in telling me I was caught up. This nightmare gets worse, month by month fees accumulated and the same story I was behind in my payments pay X amount and I would be current if I made the payment over the phone and like a fool I would pay it and like clock work a few days later someone else would call me stating I was behind again and the previous rep was wrong for telling me I was caught up. This snowballed into me being behind $1487.00 At the beginning of the year I thought well I will start the year out fresh I sent W.F. $1500.00 and the rep on the phone said that was more than enough to get caught up and my next payment was not due until the middle of February. I thought great I started a new year back on track. WRONG!!! I got a call 5 days later stating I was actually short $345!!!! The rep was wrong for telling me I was caught up. Here we go again with the fees!!!
I am pulling a bank recall of any payments made to them from last year to see what has been paid to them and where the actual mistake lies.

HELP!! Does anyone have experience with Wells Fargo like I have? Anyone have any suggestion how I might be able to unload this loan! Since taking this loan I am now way upside down so selling it makes it impossible and W.F. doesn't have assumable loans.