I have had the same on going issue with wells fargo auto finance company for about a year now, I have cried and I regret ever choosing wells fargo to finance my vehicle. they have repeatedly added there auto insurance from balboa insurance with out any kind of cancellation notice from my insurer or even from me, there response has been they had not received any new documents so therefore it is added automatically and it is added to my original monthly payment. The first time this happen I submitted the initial dec. page and just assumed as long as i payed my insurance i was fine no reason to worry. WRONG!

2 MONTHS LATER i received my statement ind it showed and extra $125x2=$250.00 that was showing due and 2 months of late fees for not making my entire monthly payment in full, now mind you my payments were $260.00 per month but with the automatic insurance added on with out my knowledge my payments were now $385.00 and they had reported that I had been late to the credit bureaus. Oh and i never received an insurance form showing my coverage, limits or any other info other than the extra charge on my car loan statement and when they do finally receive my proof then they say it will take about 6 weeks to clear up but in the meanwhile they still tack on the late charges and report that only partial payment was made. this cant be legal and how can they get away with charging for insurance they you never see a policy to.

To this day the dings that have been cause by there shady practices are still on my credit there response is that i must dispute them through there dispute department and because if they admit that a mistake has been made over and over again and not just with me but with many others then that would hold them liable for a lot of pain, suffering and the anguish of how little people really do get taken advantage of by the big corporations like wells fargo who employ a legal team and here we are trying to get someone to help us to have a louder voice then theirs... I WANT THEM TO HAVE TO WORRY ABOUT HOW AND WHEN THIS WILL BE TAKEN CARE OF AND WHAT IT WILL COST!

I have been having an ongoing problem since April with Wells Fargo Auto Finance.
Here is a copy of an email I sent to ABC news…
As they are saying all the time, contact your lender at the first sign of trouble, they will usually work with you. That has not been the case with Wells Fargo.

My husband lost his job on April 23rd, we contacted our car lender (Wells Fargo Auto Finance) on April 26th to ask for an extension of our May payment, due May 10th. Their customer service dept said, it does not appear to be a problem, but we needed to call back after the loan date, so on May 12th we called. We were told being unemployed is no reason for an extension. So I finally caught up with May on June 30th, and applied again, was told, that the sum of 2 pymts has to be in before I could apply, so I took a loan from my 401 k, paid June & July on August 4th and applied again, because, my husband found work on May 26th, but we were without pay until then. On July 28th, the place where we found employment went on their yearly shut down, due to no longevity, he did not get paid. I applied again for an extention..no word as to why we were turned out, just the collectors calling us again. I can not reach anyone in authority to speak to about this, just the collection dept, and I never speak to the same person, and they will not or cannot give out their extension so odds of speaking to them again, is zip. So I start again. This is frustrating. We feel we have been proactive with this employment mess of ours. We are not asking for anything we are not entitled to. Several people have told us that lenders are entitled to 2 per year., and we meet the criteria for an extension. They why are we being turned down? Their left hand needs to know what the right hand is doing, as one person says yes, but 2 days later we are told no. many of their collection people are rude. One black man, after I hung up on him, called me back and said, "F.You Honkey". Another girl said, " On may 26th (memorial day, I might add) face it, you're not getting an extension, or pay up..deadbeat!'
I think they want to charge us the late charges, because they know we really need help, and turning us down, benefits them more than allowing it.
Please look into this for us…help us..I am sure there are others out there in the same boat..this needs to be brought to light.
There are several American that live paycheck to paycheck and something like this sets us backs months….!!!

THIS IS A COPY OF LETTER I WROTE TO THE US TREASURY DEPT

This company is a fraudulent scam, and needs to be shut down permanently!!! They just recently bumped up my monthly payment without my authorization by $100.00 per month, in addition they have been frauding my account from day 1, saying I havent made payments for certain time periods when I have ALL documentation right down to the cancelled check I wrote for the downpayment in my posession to date. They reposessed my 2006 vehicle last November 17th 2007 even tho I faxed them and spoke to a rep on the phone that I was in fact current on my payments.They now have tried to send out repo companies to take my vehicle stating they have an order for a "deceased person" as the owner for their reasoning in taking my vehicle. Back in Nov 07 they made me pay $2, 600 to get my vehicle out of repo altho I was in fact current then they refuse to fix my account saying to date im still behind. They are now claiming I have a bankruptcy to which I never had. Now they are sending me monthly statements with outragious amounts owed, saying I owe them a huge lump sum for collateral insurance which I never signed up for nor authorized with them, I have always had my own full coverage with a diff private insurance company. They're excessive unwarranted late fees are absurd as well. They refuse to correct anything on my account stating I still owe amounts to which I do not owe. And for them to bump up my monthly payments $100.00 without my authorization, well isnt that slightly illegal?? This company is fraudulent and needs to be removed from the business/corporate society in totality asap!!! I am trying to find an attorney with the where with all to go up against these frauds and not chicken out becuz they are a big bank/company. I am going to get involved in every class action lawsuit I can against wells fargo auto finance and search for an attorney with gumption to sue the hell out of these frauds. Eventually we can all hope as consumers/victims of this company if we all band together we can put them out of business and in prison for good!!!

My chief complaint is that the employees that call my house are very rude to me. I get several calls from different people that are not talking to each other about speaking to me. I have received three or more calls a day from different people. I am getting tired of being harassed by them. I pay my bills.

Seeing the many complaints listed here, It make more sense to also
individually contact your congressman and US senator with complaint as well as the Arizona Dept of State to complain about
Wells Fargo Auto Finance. I find it hard to believe that they could ignore so many people complaining about the very same bank.
Investigative news reporters couldn't hurt either. Maybe it is time for the consumer to act and show that we are not powerless