I've had a loan with Wells Fargo for my car since 2003 and it's just about to be paid off. I've been pretty much on time with my payments. Sure a couple of them ran a little late, but never more than 30 days past due. I sent a request for the payoff amount a couple of months ago to see what I owed. And the next bill showed I owed about $2, 400, which was the payoff amount. I paid my normal amount of $540. Then the phone calls started. I asked them why they're calling me because I paid my bill, and they said "you still owe us $1800" because that is the final payment. I told them I couldn't pay that and I'd pay my $540 like normal the next couple of months with the final one being in June. They said that'd be fine.

A couple of days later, they're calling again. I ask them why, since I've talked to them about this already, and after being on hold for 1/2 for the guy to "research my account" they said that's fine, though I might still get phone calls since it's not the final payment.

But then I get phone calls like last night where the person, talking in a very demeaning tone says "Sir your payment is 8 days past due, we need the payment now or we will repossess your car". I'm like "excuse me?' and I tell them what's going on. And they said they can't do that because I ran late a few times a couple of years ago.

They have the worst customer service and are borderline harassing, calling after 9pm. If you get a car loan, just make sure it's not from Wells Fargo, because they are the worst.

After reading several complaints posted, I felt compelled to add another chapter to "The Saga of Wells Fargo". I too, had the "no insurance" thing with Wells Fargo. I purchased my vehicle in May of 2006, unbeknowing to me that the financing was through Wells Fargo, at a decent, but not great interest rate. Anyway, I paid each payment on time from June through December, but apparently had made the fatal error of changing insurance carriers in August. I received notice from Wells Fargo and responded by having the new insurance carrier fax yet another copy of the proof of coverage to them. But alas, it was too late. They had already billed the account for insurance. Like all the other complaints I've read, I was the receipient of numerous daily calls from them. I would let it ring through until I was totally "ill" and then answered the call. I argued with countless collection agents, even pointing out that according to the on-line payment history I had 8 payments due on the account since opening, and had made 8 payments. How could I be behind? FINALLY, one of them said that my payment had been re-routed to cover the insurance!!! They had taken TWO of my payments and posted it to insurance!!! It took like two months, but finally they got everything reversed and corrected. I even called an attorney that I once worked for about it, and was advised that I should just pay the extra two months and go on...that's how concerned lawyers are over our plight. I, of course, did NOT send money I did not owe, but just kept on and on til I finally got it fixed. And it did finally did, but, just like the other complaints stated, nobody ever offered anything resembling an apology. I finally had gotten through to some "supervisor" who actually knew what he was looking at...seems that the NEW insurance declaration had been received, THEN the old insurance sent a cancellation. They posted the new policy, then showed lapse when the old policy expired...WHOEVER entered the information did not bother to READ the documents. GOOD LORD HELP US!!! I guess these poor folks who went to work for Wells Fargo were really desperate for a job...you know as well as I do, that these people calling us are only common folks like the rest of us, trying to etch out a living for their family, and Wells Fargo had hired any and all comers, regardless of their academic skills...

THAT, my friends is the "good story". The next one is not so good. I've read a lot of complaints concerning Wells Fargo's home mortgage "predatory" practices, but haven't read a lot on the auto financing end of it. I will say at the on-set of this story, that Wells Fargo is not the only one doing this. We had a similar experience with AmSouth Bank some years ago. We didn't understand it then, and don't now. Okay, here goes. When you apply for an automobile loan at your bank, they have a book, a guide, as to the approximate value of the vehicle, right?! And the bank, if operating according to Federal Banking Rules, would require that the loan amount be within these guidelines???? WRONG. Apparently some financial institutions will finance any deal an auto dealer can write.
We had a vehicle loan we co-signed with our grown son, who then had an accident on his 4-wheeler and was initially told by the doctor that he had fractured his ankle and would need surgery and would be off work for two months (without pay). At that same time, Wells Fargo was calling me once a month trying to "sell" me some money. I repeatedly told them I wasn't interested and to take me off their calling list, but they did not. So, after the accident, they called again, and we discussed the situation with them. They more than gladly did the deal, re-financed the truck, again with two signatures. They actually put my husband's name on the loan ahead of our son's (WRONG) because it's his vehicle, not ours, and when we questioned them about it they said because the son was off work at the time, it had to be this way. Wells Fargo then overextended the financing, causing us to be upside down in the vehicle. They DID NOT advise us that this was the case. They did not do an appraisal on the vehicle or anything. So...we did not realize what the vehicle was actually worth, and put our financial security in jeopardy. Their interest rate came in at 14.99 and is calculated in such a way that even now, after 20 months of payments, the interest is still over 300 a month. At this rate the loan will NEVER pay out!!! After 20 months, we've paid over 14 thousand dollars in payments, but the principle balance has only been reduced about 4K!!! Ten thousand dollars interest in 20 months!!! Let's all go open us up a loan store!!!
The real point to this story is this. When our son took the truck to a dealer thinking about a trade, he was in for a huge shock. His truck is worth about 15K LESS than he owes on it!!! How can that be?????????????? He cannot trade or sell the vehicle (which he needs to now to drive something more economical) without the situation only getting worse. His work situation has changed, and he does not make nearly as much now. He cannot make the ridiculous payments (which are over 700$ per month), so it looks like we're in for a long ride. What a dilema. If we return the vehicle, Wells Fargo will simply sue my guys, obtain a judgement in Court and proceed to levy wage garnishments, "discover" other assets, such as our retirement accounts, and send a Writ of Execution to the banks and seize these funds as well until, by THEIR definition, the debt is paid in full. This of course will be about twice what the loan amount is for, since they will add all sorts of legal fees, etc. to the total. A wage garnishment will be issued for both parties who signed the loan, for the full amount of the debt, not half to each one. That will hit my husband's pay check for about a thousand dollars take home pay each month, and my son for about 500.
SO...all you folks out there, PLEASE DO NOT RE-FINANCE YOUR VEHICLE WITH WELLS FARGO. They are not truthful in disclosure. They are PREDATORS. I cannot believe that President Obama's team of experts haven't uncovered this practice and put a stop to it. Nor can I believe that Wells Fargo deserved or needed any BAIL OUT. It is the CONSUMER who needs a bailout!!! How about making some funds available to the little guys who have been scammed by Wells Fargo instead??!!!
Thanks for reading.

phone harassment within 10 day grace period, rude people. get wi. commissioner of banking involved the better business beareau . the calls have stopped now they are harassing me on paper but who cares they cant help it they are ignorant.

have been banking with Wells Fargo for a few years now and I also have a car loan with Wells Fargo, and I am always on time on my car payments. I have been very satisfied with your personal until today. On February, 2008 I called Wells Fargo Auto Finance to inform that I was laid off of work and I wasn’t going to be able to make my entire car payment on time. I ask the lady that was helping me if I could pay a part of my car payment on that day and if there any way I could pay the rest on the 25th . She told me that I could do that. She set up an check payment for the 25th and I agreed. After speaking to the customer service personal I drove to Wells Fargo Bank and I made a payment of $224.36 on February 6, 2008. I was very satisfy with the Customer service personal because I thought she had help me. I was checking my e-mail on February 12, 2008 and I notice an e-mail from Wells Fargo titled Insufficient Funds. I open the email and read that my account didn’t have “Insufficient Funds “ I didn’t understand what was going on, so I checked my account online and I notice that my account had two overdraft of $35.00 I didn’t understand. I had about $200.00 on my account just to get me through the rest of the month and now I am over. I notice that Wells Fargo auto Finance took 197.18 out of my account. I was very confuse because I made the agreement that my bank account was going to be charge on the 25th . I called Wells Fargo Auto Finance and spoke to a gentlemen . He was very nice and he sound like he was trying to help me out . I explain to him that I agreed to electronic payment for the 25th of February, but no for the 11th of February, He then told me that he will talk to his supervisor and he put me on hold for abut 10 minutes. Once he got on the phone he explain to me that he spoke to his supervisor and she said that they can’t reverse the charge, but what they can do is send you a check of the amount that was charge on my account. Then I would have to fax them my account statement that states the overdraft fees so they can reimbursed me for the overdraft fees. I said “okay”, I agreed, the I asked him “ what am I going to do about the fees that are added to my account for being over each day“? He said “ I will need to talk to my supervisor about that issue“ .I asked him if I can please talk to his supervisor and he transferred me over to Mrs. Beddy. I explain to her about the misunderstanding and how my account was charged on the 11th of February and how I didn’t agree to this charge. I told her “why would I go to Wells Fargo bank the same day I had called to make a payment, instead of depositing the cash and just waiting for the check to go through on the 11th, this doesn’t make any sense at all. She then told me that she really could not do anything for me at all. Then I asked her about what the customer personal had told me about the check and faxing over my bank statement that show the over fees to fax number (1800)-926-1072, He gave me this number so I can process this information to them and they would reimburse me the overdraft fees and send me a check with the amount that was taken out of my account with out my “permission“. She denied that she ever gave him any authorization to tell me the information he gave me. I really don’t believe this is true because he put me on hold to speak to a supervisor, then when I asked to talk to the supervisor he transferred me to Mrs. Beddy. Mrs. Beddy is wha twhe said her name was when I asked her for her name. Then when I asked to have the names of the person who first file the wrong information on the computer she told me that she couldn’t release that information for security reasons . Then when I asked her to give me the name of the person that I was speaking to before her, she said that she couldn’t release that information for security reasons also, but she knows who he is, this is what she said.Once again I asked her so you never said or okayed any thing the costumer representative personal told me that you okayed? She said no, so I told her “ so he is given me wrong or false information ? At this point I was in tears because I couldn’t believe how rude she was with me. She told me that she never said anything because there is nothing that they can do for me . So then I told her that her worker just gave me false information, so what I am stating is true that her workers are making mistakes on there customers accounts. One entered wrong information and the other told me wrong or false information according to the supervisor and to what I have heard. One of the Wells Fargo Auto Finance personal entered the wrong information then the other customer personal is gave me false hopes and information, At this point I am very stressed out and feeling very depressed that Wells Fargo cant help me when I asked for help. I am always on top of my car payment and I am never late and the one time I do asked for help I come out paying $ 90.00 in overdraft fees that I cant afford in the first place. The money that I had in my Wells Fargo bank account was for food for my family and gas for the rest of the month until I get paid. I have a family, I have to take care of especially in this hard economical crises we are in. I have so much stressed at this moment that I really can handle any more. Mrs. Beddy if this is her real name gave me the hardest most afoul time I have ever had in my life when dealing with customer service personal . I was crying, I just didn’t know what to do. I asked her for a number where I can call to file a complain and she gave me the same number I called to reach her (1800)559-3557 this to me is like she was laughing at my face, and she was abusing her power. I expected more professionalism when speaking to a supervisor, but when I spoke to Mrs. Beddy I received the total opposite. I asked her if any of my calls were recorded? and if they where if she could listen to then, so I can prove that I didn’t authorized the first Electronic Payment on the 11th of February and she can hear when I told the young lady that I was going to make my first payment right when I get off the phone with her and I did. I also told her if she can hear the conversation that I had with the gentleman I spoke with before her, so she can hear what he told me about sending me a check for the amount that was taken out of my account and to fax over the bank statement so they can reimburse my overdraft fees. She said” no we don’t record any of our conversations with our customers. I just couldn’t believe how bad this lady made me feel. I called Wells Fargo Auto Finance to inform them that I didn’t have all the money to make my care payment, that I only had half and if the can “help” me by letting me pay the rest of the money on the 25th of February and this simple plea for help turn out to be the worst experience I ever had with Wells Fargo. The conversation ended and then I called wells Fargo Customer Service and the lady I spoke with was very respectful and nice. I explained to her my situation and what had happen and she actually made me feel good. She explained to me what I can do and how she can help. She made me feel relaxed and she gave me hope that something can be done for my situation. I want to thank you for having employed like this lady I spoke with. I really do believe that Mrs. Beddy need to get replaced. I work Customer Service and I always speak to my customers with respect and courtesy and if there’s a problem with any thing I try to help as much as I can. Mrs. Beddy lied to me and made me feel like I was a liar. I am not a liar. I am a person who is going through hard times and is looking for some help. I am a hard working person that likes keeping up with all my bills. I don’t like staying behind on any of my accounts and the one time I asked for help there was a misunderstanding and when I try to fix the problem by speaking to what I thought where experts one so call lied to me and the supervisor made me feel like if I was trash. There has to be justice regarding my situation and what I have experience today on February 12, 2008. I wish that no honest, hard working person experience what I have experience with Mrs. Beddy at no moment in there life’s. I would never wish this treatment that I have experience with Wells Fargo Auto Finance on any other person not even on people who don’t pay there bills on time or at all.There has to be some kind of justice to this matter.

I dint authorized an electronic payment for the 11th of February and the supervisor was very rude and nasty with me, when I spoke with her about the matter
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i was hospitalized 08/01/08 and was unable to return to work for several months i had no income during this time.i called all my creditors and asked what i could do to lower payments / interest rates or even skip a payment so i could make my morgage payment and keep my home.wells fargo auto finance is the only company who did not work with me on this matter and is still calling and harrassing me to catch up my payments still to this day 02/01/09.i have spoke to many representives with this company and i get transfered everytime to someone else who says let me see what we can do i get put on hold for 10 to 15 minutes only to be told sorry and when i ask why they cant help me theres the old answer of we have rules well there rules change to there benefit because i have followed them inorder to try and fix it but i get a different set of rules everytime i mean they r linning there pockets of the sweat off my back with late fees and intrest rates i will never use them again i would rather walk