I was in an accident on 01/12/2010 (for the record, I was riding shotgun while someone else was driving. However, the car and the insurance are all under my name), and although the damage was repairable, since the car was that old, the insurance company thought it was cost effective to just deem the car a total loss. Fine. Whatever. I needed a new car anyway, according to all of my friends. Besides, I can use the extra money and the rest can be a down payment for a new car. It seems as if all of this was in the bag right? WRONG! This is where the headache really began.

After a week of not hearing back from my insurance company regarding my reimbursement, I took the initiative to contact them myself. To my surprise, the only hold up is Wells Fargo Auto Finance, as the insurance company needs a Letter of Guarentee from them first. I took the liberty to call Customer Service myself (800-559-3557) and find out what is the hold up. After being transferred to numberous other departments, I finally got a hold of their Total Loss Department (866-829-3395). Spoke with a somewhat helfpul representative who acknowledged that they received the request for my insurance company numberous times, and she also took the time to explain to me that she had no issues sending the letter to my insurance company, but they can't guarentee what they don't have, of which to my surprise, IT'S THE TITLE TO MY CAR! She then referred me back over to Customer Service and told me what to say so I don't get connected back to Total Loss again.

Called Customer Service, who referred me back to the branch that I got the loan from (Decatur/Rochelle). Called that branch (871-8687‎), and to my surprise yet again, they are saying that they no longer handle any car loans whatsoever and that I should contact another branch (Stephanie/215). So I called that branch (558-7900), who then referred me BACK TO CUSTOMER SERVICE!!

At this point, I thought I was really close in losing my cool, but I was good. I called Customer Service again and on 01/28/2010, a request was sent out to perfect the title of my car. The gal I spoke with was kind, and told me it may take 3-5 business days. I didn't like waiting, but what other choice do I have? So I waited. I called Customer Service on 02/02/2010, of which this particular representative corrected the other rep and said that no, it would not take 3-5 business days, but rather 10 BUSINESS DAYS!!!

I did the only thing I knew, which was to send something to Wells Fargo Corporate (Mailing address: Customer Service F4008–080 800 Walnut Des Moines, IA 50309 USA, fax number: 800-926-1072, also provided by Customer Service). That was sent on 02/03/2010. I gave them until Tuesday, 02/09/2010 to reply to me with a legitimate update and what needs to be done to get this thing over with. Did I get a reply back? NO!

So I called them (again at Customer Service) yesterday, who states that the request has been referred back to the branch that did my paperwork... which was confusing because I thought they said they don't do loans anymore...?? I called the branch again today, and this time another rep gave me a DIFFERENT BRANCH TO CALL (Tropican/Hualapai). Called that branch (873-6892), and guess what??!! THEY DON'T DO TITLE PERFECTIONS! And guess who they referred me back to again? That is right... CUSTOMER SERVICE!!


Basically, I have come to the following conclusions:
1) The right hand does not seem to know what the left is doing... and there seems to be absolutely NO COMMUNICATIONS between the branches and their main Customer Service center. I really truly believe that if there was some level of communication, this process wouldn't be this long and I would have had my check right about now.
2) NO ONE SEEMS TO TAKE ANY RESPONSIBILITY ABOUT THIS! According to one of the CSR's that I spoke with, they knew about the title not being perfected around November/December of 2009! WHY WAS I NOT TOLD ABOUT THIS?? Or at least the co-owner of the car, who is a relative of mine. Yet, when we created this account/loan, we made sure that I was the primary contact, seeing as I am paying on the car, I'm the one utilizing the car, and the car is garaged at my place of residence.
3) I WON'T RECOMMEND ANYONE TO DO ANY BUSINESS WITH WELLS FARGO! Not even my worst enemies!


I have already lodged a complaint against Wells Fargo to the BBB and FDIC. I may involve my lawyer in this, if that is what it will take for them to move their back sides. It should not take this long to perfect some paperwork... seriously... and I have lost all patience with Wells Fargo.

Millions of people in this country are struggling and have the same story I do, just like me, lost a great paying job, found another one but just enough to get by. Before I even lost my job they charged $2000 or so worth of insurance because they didn't have proof of my insurance coverage ( strangely this happened after I did a refinance loan with them). Took 3-4 months to get that straightened out and then I lost my job. I called and would explain over, and over, and over, my situation and do my best to make arrangements that were realistic given my drastic decrease in pay. I thought at first that they were fairly willing to work with me, but they still kept calling, and each time I would explain, and they would tell me they had no record of that. I set up over the phone payments, and on the second payment called to see if I could cancel it and send payment (on my own) a few days later due to a delay in my pay, was told ok. I made my payment as promised, and they went ahead and sent theirs in too, thus putting my bank account in the red. They offered no explanation, no help with the fees inccurred, and said there was nothing they could do. I am making my utmost attempt to get current but they continue to call relentlessly, leave nasty messages, and claim "we have no record of that." The government went to great lengths to bail out the banks but when American citizens suffer the banks won't help us. I'm glad to see my tax dollars are put to good use.
I know I will get through this eventually and when I'm in a better position and Wells Fargo is looking for customers, they'll get my "not so nice finger"

thru a dealership my car was financed thru well fargo auto finance, was in a car accident, missed work, and got behind on payment. instead of helping me the added more interest and late charges, until i will never get the car paid for, on top of the 28% interest they are already charging me. then have callers to call and threaten me . one today said i owe 17, 000 payoff as of today, 2002 mercury i paid 15, 000 for 2 years ago. they have told me to have my car parked in driveway, they were coming to get it and there better not be any damage to it. so i did as they said . 3 days later i get another call, i told them i would have payment in dec. 18th thats when i asked for the payoff and was told 17, 000. very unprofesseniol phone collectors making threats, tried to get in touch with a bank officer but could not get hold of anyone.

I do not have an account with Wells Fargo, and never have. But someone who used to have the same cell phone number as I have now and have had for 2 years apparently does/did have an account with them. The same individual has called and harassed myself and my wife, lying to me and her, every day for the past 3 weeks. Every day we tell him that the individual he is looking for is not at this number and has not been for some time, but he continues to tell my wife that have I said one thing and me that my wife said something else. I have asked him for his name and badge number but gives us different names and refuses to give his badge/ID number. I have called the number back and requested to speak/complain to a mananger, but since I do not have an account number and I am no about to give them my SSN they say that I cannot file a complaint and will not let me speak to a supervisor. I have filed a complaint with the better business bureau and am in the process of filing one with American Scammers, not to mention that I am a retired service-member. I just wanted to warn someone that this is not a good company to do business with and they WILL unnecessarily harass you!!!

In 35 years of making car payments I am astounded to find that a company as large and supposedly reputable as Wells Fargo is so incredibly poor in their Customer Service! I lost my job in August 2008, so was 1 month behind. I called WF Cust Service, wrote down the date, name, etc. of the person I spoke with, and was told that she would put through a 1-month skip a payment forebearance. It took until November 2008 to find out that did not happen. Still, at the end of September we began making extra payments, but according to WF, the account was late each and every month, amassing well over $300 in late fees. I wrote letters, talked with supervisors, and to date, have spoken with over 42 individuals. I was finally told to wait for the payoff and then negotiate the late charges. I proposed we split them since EVERY PAYMENT was on time or early since the 1 month being behind. Now, it's time to pay the account and, low and behold - each supervisor answers differently. It's only a few hundred dollars they say - I reply, OK, then split it with me... I have tried to be nice, I have documented everything, but am now ready, on principle, to write to their executive management - Companies need to be smart, profitible, BUT, consumer savy and compassionate as well. At least provide some degree of service!