I purchased a 2004 Ford Mustang GT and used Wells Fargo for the financing. After 2 years of good payment history, my husband and I decided to go ahead and pay off the car when we refinanced our home. Our mortgage company called WFAF on 8/20 requesting a 10 day pay-off. My husband then called on 8/21 to verify the pay-off, as we were closing on 8/23. The mortgage company & my husband were both quoted $13,163. So, we close on 8/23 and the check was cut by our mortgage company on 8/28 and I call WFAF to get the pay-off address, as I had left the information at home. I was informed by a very ugly representative that I was quoted the Principal Balance, not the pay-off. I tried for 3 days to dispute the information. However, there were no notes in WFAF's that anyone had requested a pay-off. So, to keep this from driving out, I paid over the phone the remaining $422 and overnight my check to the address that I was given by the "supervisor".

A week goes by, and we get the check back!!! The letter that came with the check stated that we didn't have an account with Wells Fargo! So, I call WFAF. AFter 2 hours on the phone, I finally spoke to someone who had a little bit of intelligence. She explained that the 'supervisor" gave me the wrong address. She told me that if I would overnight the check again to the correct address, they would back date the interest and penalties to 8/31. So, once again, I did as I was instructed too and overnighted the check. For 3 weeks, my husband and I rec'd threatening calls, stating that if we didn't pay the remaining $53.23, they would come get our car. I spoke to numerous reps stating that they were going to waive the $53.23 due to their mistakes, but to no avail. I finally caved and paid the remaining balance to get my title released. So, buyers beware! I wouldn't finance a dog house through these people. They lie, they manipulate, and don't stand behind their word at all. This is by far the worse experience I have EVER had trying to pay a vehicle off.

Made a payment, was called about it, after having made it told the rep. that the payment had been taken care of she proceeded to tell me it had not been of course I told her she was wrong and that I would give her the reference number, without allowing me to give her the reference number she says well something couldn't went wrong with it. I again said well let me give you the reference number, and she was continually rude, saying well the phone calls are going to continue until the payment is made, never allowing me to give her the reference number and she hung up the phone. So now I am of course concern whether or not the computer messed up my payment but ;thanks to the customer service department, I want know this, because of there arrogance, and assuming when someone is late on the payment, that they just didn't have the money theres no room for poeple having, unforeseen circumstances, and they are not always money problems! But thats what they assume and so they take pride in being automatically rude! and I called twice same response, they couldn't take the reference number oh because the account is in my husbands name? Well who am I? A cream puff! The call was made to my home at 2:45pm.

Like ERIN U, I have had NOTHING but problems with Wells Fargo. I am currently waiting for them to come pick up the vehicle, as they have me so upside down on the note I cannot sell it or trade it in. Here is a timeline of the issues with Wells Fargo:

March 2006- Arranged a loan with Wells Fargo to purchase 2000 Range Rover for my (then) fiancee. The individual selling the car WORKED for Wells Fargo, and suggested we get financing there. They gave a loan amount of $21,000.00 at 17% interest. (I only recently found out the actual blue book on the vehicle in March 2007 was $15,000.00. Seems odd they approved a loan for so much more, hmmm?) Went in to sign paperwork and was advised AFTER SIGNING EVERYTHING that I needed to put $1,000.00 down payment. I advised my loan officer I did not have $1,000.00, and if my fiancee wanted vehicle, he would have to make the down. The L/O (Terrence) said no problem, he would hold the paperwork for 72 hours and if no down payment was deposited, the deal would not be processed. (LIE NUMBER 1)

24 hours passed, and I called Terrance to tell him that we were not going with Wells Fargo (WF from here on), but another lender who had a better interest rate and lower down. I followed this up with an email stating same, with a read receipt notification. Guess what? 3 days later I receive a call from the branch manager demanding I bring in the $1,000.00. It seems Terrance took it upon himself to submit the prior owners loan payoff and to complete the loan. He did this about 30 minutes AFTER talking to me, and AFTER opening my email. I advised the Manager that was not my issue, that I had documentation showing I had, in fact, canceled the loan. They proceeded to manipulate in such a way that I was STUCK with their loan.

May 2006- My (then) fiancee called WF and changed the mailing address for statements and phone number of record to his address and phone number, without my knowledge or consent. WF took a COMPLETE STRANGERS WORD that he was my "husband" and changed account information, without EVER contacting me.

September 2006- I received call from constable. They were reposing the vehicle. It seems my fiancee had not made a SINGLE PAYMENT. WF had been sending statements, and calling my fiancees house. They never once called me on my cell, or at work. Just the "new" number he had given them. Now I admit, this is partially my fault for not following thru and checking with my fiancee EACH MONTH to make sure payments were made, But if WF had not changed my info, I would have known A LOT sooner that he was blowing payment off. I also found out the vehicle was not insured. I IMMEDIATELY brought payments current, via Western Union and got insurance on vehicle off of my existing auto policy. I also took the vehicle back from fiancee and dumped him. I notified WF that the information they had on file was inaccurate, and asked how they obtained it. They advised me "My husband" had called in and given it to them. When I told them I HAD NO HUSBAND, they apologized for the "CLERICAL ERROR".

October 2006- received letter from WF stating insurance being put in place by them, as vehicle was uninsured. I called, faxed AND overnighted them documentation showing vehicle was in fact insured with State Farm, and had been since September 9th. It took 2 months to get this resolved, and they tacked their additional insurance of $190.00 to my payment until January 2007. In October I also began making my payments via check by phone.

January 2007- I made my payment by phone one day late. This apparently confused the drones at WF, because they began calling me about my "missed payment" that day, AFTER I made the payment. When I game them the conformation number of my payment, they still "could not find it in the system. I had to get proof from my CU that funds had been electronically deducted and fax to them. This took 3 days to clear up.

February 2007- My payment was not due until the 15th. On the 3rd, the calls began, about my "late payment". They called my cell, my work, my home and to my parents house. Strange, since they went 5 months without notifying me at all, now harassing me before payment even due???)

I advised them I COULD NOT RECEIVE CALLS AT WORK, and followed this up with a certified letter stating same. I also advised them they were not to call my parents house, as my mom was a cancer patient, and did not need their harassment. Finally, I advised them that my payment was not due until the 15th, so they did not need to say I had a late payment, when in fact my payment was not even due. They continued to call my workplace on a DAILY basis, multiple times a day, and to call my parents house. Once payment was made (and had CLEARED my bank) they still continued to call, saying payment had not been made.

March 2007- same as Feb. Payment not due till 15th, calls came in about it ALL MONTH LONG, even after payment was made by phone. My employer told them direct on numerous occasions that I could not receive calls at work. Still, the calls rolled in. One WF employee actually told me "if you just PAYOFF your note you won't have to deal with us anymore." {Payoff on the car was about 15,000.00 at this point.} My employer advised me he was logging calls in my HR file, and that I needed to get a handle on situation, because it was making a problem in the workplace and tying up his phone, and that the calls were distracting me from my tasks.

{PLEASE NOTE: every time we spoke with WF they said it was not logged in the system, but they would make a note and remove the number. THIS NEVER HAPPENED. I was receiving upward of 6 calls a day from them at work AND at my parents house. They NEVER called my home number OR my cell. They only called the numbers they were advised NOT TO CALL}

April 2007- Same as March, but even more calls at work. It almost seemed as if once they were told by my employer I could not receive calls, they did it just to cause problems. AGAIn, let me stress, payment was not yet due. After payment made BY PHONE, same problems. My supervisor AGAIN advised WF not to call me during business hours on office number, because they were putting my job in jeapordy.

May 2007- more calls. I WAS FIRED due to the "disruption" the calls made in the workplace and to my tasks. I made my May payment early, and advised them that I was no longer employed, due to their harassment. Their response? They would remove the work number from their system. {Yeah- I had heard that before!)

June 2007- I receive a letter from WF saying they are changing loan from Wells Fago Financial to Wells Fargo Auto Finance. I receive statement saying that monthy payment due is $298.95. I called wells fargo to confirm payment amount and was told that yes, my payment was only $298.95 due to a credit on my account for the insurance they had tacked on erroneously for 2 months. Cool! I used my last of my savings to make June payment, and while on the phone spoke to a rep about my situation, and being out of work. They told me since I was such a good customer they could take the July and August payment and roll them to the end of the note, giving me time to find a job and get back on my feet. I agreed to this, and it was "logged in the system" that I would not have a payment due for July 2007 or August 2007, and would resume making payments September 2007 in regular payment amount of $548.94.

August 2007- I took car to carmax and was told the most they could give me for the vehicle was $12,000.00, which was the Kelly Blue book. (The car is in EXACT same condition as it was when WF made the loan. And there are exactly 1000 more miles on it.) So even if sold to a private party, I realize I am screwed, payoff on it is now at $17,000.00)

September 2007- (this is a doozy, everyone better sit down!) I am not in town and I get a call from my roommate. On Saturday, September 8th I received an envelope from WF. It was postmarked September 5th. But the letter inside was dated AUGUST 23. (This was an intentional delayed mailing, as you will see from the body of the letter.) The letter stated that I was seriously delinquent, and that if I did not bring my account current within TEN DAYS from THE DATE OF THE LETTER, they would call my note. They also stated in the letter that I could call them at number listed below. ODD-THERE WAS NO NUMBER LISTED. I called and made payment by phone on Monday, May 10th, in the amount of $1,742.83. (REMEMBER- I WAS SUPPOSED TO HAVE 2 months GRATIS, rolled to end of note, then a REGULAR payment in September.) The rep I spoke with also advised me my June payment had been short. (WHAT???? REMEMBER THE LETTER I RECEIVED IN JUNE??? I STILL HAVE IT---) I advised her I spoke with the rep who had processed my payment and that she had confirmed that was all I owed due to "insurance error." I was advised that WF would look into the issue. I confirmed with the rep (Ms. Nelson) that that would bring me current and I would be ok. I mentioned the letter, and the inconsistency with the postmark and the date of letter, and was told "not to worry about it, I had made payment current". When I asked why I was being forced to pay for July and August when I had been advised they would be rolled to the back end of my note, I was told "WF reps have no right to make an arrangement like that, and it never happened."

Imagine her shock yesterday morning when my roommate was awakened by a loud pounding at the door. It was a tow truck. WF had sent them to repo the vehicle. She advised him that I had made payment by phone, and he WAS NOT taking the truck. She immediately called me, and I relayed the payment conf. number, whom I had spoken with, etc. and she gave him the info. He said ok, left.

Thirty minutes later he was back. It seems WF said they were RETURNING MY PAYMENT, AND WOULD NOT ACCEPT ANOTHER until after they had posession of the vehicle. My roommate immediately called me again.

I called WF and was told first that I had made no payment, then that yes, payment had been made, but they were not accepting it. (Not accepting it 3 days AFTER I made payment and funds had been drawn from my dads checking account??? WHAT???) Apparently, they are going to reverse the electronic draw (We'll see!) I was told I had to surrender vehicle before they would even discuss the account with me. They would not even give me a verbal payoff, as "this is the 5th time they have had to begin repossession against me" (LIE LIE LIE--- other than the ONE time in September of 2006 my payments were always made monthly.) After they have possession of the vehicle, they would give me information as to how I could reclaim it within 10 days. I advised them I was not even in town, that I was in CA on a temporary job. Their Response??? Too Bad.

My Roommate advised the tow truck guy he could come back at 10:00 AM on the 13th to get the vehicle, as there was another vehicle parked behind it. He said he couldn't come back, and he would move the blocking vehicle if he had to. She told him it was not my vehicle or her vehicle and could not be moved. Tow truck driver agreed to come back.

She is now waiting for them to come get the truck. I don't care at this point. I can't sell it, as I owe $6,000.00 more on the note than what the value is. They can have it. It has been nothing but a headache from day one. I was conned by the staff at the WF auto finance office in Arlington Texas. They made a loan that was for way more than the vehicle was worth, due to the fact their employee was the seller. They physically inspected the vehicle, knew of the problems it had, and processed the loan even after I had canceled the deal. Now I am stuck, having spent thousands of dollars on payments FOR NOTHING.

My auto insurance from the Hartford renewed itself in February, 2007 and they faxed over proof of insurance to Wells Fargo but the next month I saw that I was being billed for Collision insurance on my monthly payment statement. I called Wells Fargo and they said that I was without insurance and therefore they were supplying me with Collision. I told them that I have never been without insurance and they said to have the Hartford refax the proof of insurance. This same thing has gone on this February and as of August 22, 2007 I am still having this problem. I called Balboa the insurance carrier for Wells Fargo and spoke to a lady there who called the Hartford while I was on the phone and the Hartford varified that my husband and I have been insured since 2002 and that we did renew the policy in February. The lady there at Balboa claimed that it was fixed and that we would receive a letter of cancellation for insurance and we did, but I am still receiving the harassing phone calls from Wells Fargo Auto Finance on a daily basis. Today, Sunday August 26, 2007 I received 2 phone calls from them. This must stop!!!!

If you need any sort of help when you fall on hard times this is not the company to deal with. I called because I knew there was some money owed ut certainly not the amount they hit me with. I was trying to the honest and upfront thing and the verbal abuse that I received from the collection department was unwarranted but very silly. I tried to be very calm at the beginning of the beginning of this craziness but lost it, then decided to let the woman I was speaking to finish her tyrade. She accused me of not listening when in fact it was she who was hearing what she wanted to hear, and to top it off she then hung on me, but only after telling me that she was not customer service she was collections. In short DO NOT USE THIS COMPANY AT ALL!!! I cannot stress that enough.