I too, among the thousands of people that have also lost money and/or their car, homes, etc. by banking with Wells Fargo feel that some legal action needs to be taken against them.

The question is, "How do you sue a bank?" I'm afraid that answer is only going to be answered by someone with pockets that are far deeper than mine.

If that doesn't give you any idea of how frustrated I am with Wells Fargo, I'll inform you of the entire 2 year history.

I had a checking and savings account with them for years, no problems. Everything was fine before financing an auto loan through them, then things changed. The first 6 months I had no problems, basically because I had it setup to automatically withdraw from my check account with them. Then I switched to a Credit Union and it only went downhill from there.

First, like most of you in my shoes, I received the statements regarding not carrying insurance. And like most of you I sent them proof as soon as possible that I indeed have valid insurance. 7 months later that issue finally resolved, but the balance on my bill for 7 months of "not" having insurance didn't go away, ever.

I accessed my auto loan account via the Wells Fargo website, to my "surprize" they had that wrong too. When I clicked on a payment it opens into a window that is suppossed to show exactly how much of that one payment went towards principal or interest. I'm not sure if a Wells Fargo employee paid themself from my car payments, but when I clicked on a $1, 000 payment, for example, $150 went towards principal and $300 towards interests. My questions is, where is the other $550 going???

I then sat down and went all the way through my account, payment by payment, adding up the missing ammount from each payment and the late fees from not paying the insurance they were so kindly to tack onto my bill, along with the insurance itself and that was the "past due" ammount. Which at that time was over $3000.

Any "bank" thats has an account past due by $3000, IS going to repossess THEIR automobile. They don't care if your at work or on vacation. My fiance' happened to be drving my car that day to work when Wells Fargo called her saying that if she didn't tell her where she had the car, they were going to sue her for the outstanding balance.

Unsure of what to do, she let them come to her work and take the car. Every payment was on time and made in full if not more than what they wanted. I just sent them a $1, 000 payment 2 days before they took it. Before I had time to log onto my account via Wellsfargo.com, then cancelled it. I couldn't log onto it, they showed no account with my account number.

I too have been yelled and screamed at when "trying" to just understand why they say I owe what I owe, and gave up calling them. I then went down to a local Wells Fargo branch (Houston, TX) and began informing a banker of my problems. He showed that it was repossessed and didn't have anymore information for me than that. Other than go to Arizona to the ONLY Auto Finance office in all of Wells Fargo. I don't think so.

So now I have no car and can't get a car because I now have crappy credit showing a repossession. Thanks Wells Fargo and all your minimum wage conficts you have answering your calls. :-/

I cant beleive I financed a vehicle with this company. I have had so many people tell me how crappy they are and I still did it...
My truck payment is due on the 28th or 29th of the every month. I am not behind - I have a 10 grace period on my loan. Yet if I dont make the payment by the 1st the calls start rolling in. They call every hour on the hour. 1st the toll free number will appear on my caller id - then a south dakota number - then a missouri number - then a conn number, and it all starts over the next hour. Never do they leave message. THIS PLACE IS RIDICULOUS!!! MAN I SURE REGRET DOING BUSINESS.

Never finance a vehicle through this company. The first problem occured last year when they took a payment out of our Wells Fargo account, but never gave us credit for it. I was always told the matter was under review. I provided documentation by fax. They could not find it. I faxed again. Under review I was told. That was a lie. They had no one reviewing the matter. I asked to talk to the ones reviewing it and was told that was not possible. Finally, after 9 months of this, a person at our local Wells Fargo Bank investigated it for us. Our payment was applied on the wrong account by them!! She corrected it and late fees were waived. Why couldn't the auto finance peoplle figure this out? They never intended to!

Second proplem occured this week. We were two payments behind, so the person that called me said if we could make a payment within 4 days, they would tack the Nov. and December payment (not yet due) at the end of the loan. I did this directly at the local bank on Tuesday. I called the auto finance peoople right away to complete the process. The person said he saw the payment was made, but we needed to wait due to a posting issue. (That should have warned me right there.) He said I needed to call back on Friday to complete the process. I just did that. Now the person I talked to said we are not eligible to delay the Nov. payment and I was given wrong information -- twice! I changed my position based on their two promises and now they change the rules. Unless this is resolved, my accounts are going elsewhere and I will take legal action. I am an attorney anyway.

First, the calls begin one day after the payment is due and they will call everyday until it is paid. They break rules of FDCPA, regarding multiple calls in one day from the dialer and use heavy tactics for a loan within 7 days of late payment. The collectors are abusive and refuse to allow you to speak with a manager, which is blatant against FDCPA. They hide all phone numbers to contact anyone except the call center, and disconnect the call if you will not give them a payment over the phone. If you give a payment over the phone, they will date it incorrectly and then call you a liar, or one time I told them when I believed I would be able to make the payment and they put through a check with no approval. I am disabled and income comes in on a different day every month, as I receive SSDI instead of SS retirement benefits. If your loan is one day past due, they will not allow you to call customer service, it routes right back through collections and another refusal to speak with management regarding improper business practices. I have been employed in this line of work and used to respond to complaints from proper sources. Well, here I go. I am tired of the way they talk to me.

I have gotten behind on my loan. I have tried several times to speak with customer service to try to fix the account and get it current. About a month and a half ago I was told that my account was current, but then a few days later, I received a phone call stating that a payment from JULY was missed. So, that made my account behind again. They told me that if I made a payment of $312 that would bring my account current. While I was on the phone with that Customer Services Rep, I received another phone call from another person at Wells Fargo. She left a message saying that I needed to contact her immediately. I called her back to let her know that I was just speaking with another rep. This representative informed me that I still needed to pay $273 to get my account current. Then I received a call today, about two weeks later, stating that I am behind 2 months and needed to pay $1088. Every single time I talk to a different representative at Wells Fargo Auto Finance, there is a different amount due. Nobody can stick to the same amount. I also think that something is VERY wrong when they tell me 4 months later that a payment was missed. Every time I call they tell me that if I pay a certain amount, then I will be able to defer a payment. I have been told that SEVERAL times but have yet to see a deferment. I just wanted to get my account current, but every time I try, they come up with another story as to why I owe more money and my truck is back in collections. I have always done what they said I needed to do to get it caught up and made the payments that they told me to. I should not be in constant fear that I am going to lose my truck just because someone changes their mind about how much I owe. The amount should be a constant, no matter who I talk to.