I purchased a car with my father as a co-signer using Wells Fargo Auto Finance. I had Allstate as my Insurance and Wells Fargo added Balboa for collateral insurance. Unfortunately, the Allstate insurance had a small lapse. What made things worse is during the small lapse, the vehicle began rolling down a driveway and smashed into a tree causing the vehicle to be totalled. Balboa paid Wells Fargo, but I was informed that I still owed over $1, 000. Wells Fargo's collections began calling my father, who has been plagued with multiple illnesses trying to get money from him.

My mother told them time and time again that my father was sickly, but they refused to let up on the phone calls. Eventually, my parents had to file a complaint about receiving the calls. I tried to talk to Wells Fargo time and time again, only to be faced with the rudest people I have never had the pleasure in speaking with. How could I owe money for a vehicle that had been totalled, and paid for by Balboa and still be responsible for payment?

Now the fun would begin. The vehicle, which was sitting in a driveway for over a year had vanished. I figured the Wells Fargo had finally removed it. More than three years later, my father tried to obtain a loan only to find out that Wells Fargo placed a "Bad Loan" on his credit report. Furthermore, Wells Fargo demanded the loan be paid in full. So now, Wells Fargo received money from the insurance company, took the vehicle, ruined my father's and my credit, and is still demanding money. I decided to call Wells Fargo once again on 5/17/11 and spoke to the rudest person ever, Rubin, who began yelling at me, etc. I'm sitting here wondering if the call was recorded for educational purposes, if so, I can certainly understand why everyone is so disgustingly rude.

Now, if one should really think about it, why wouldn't the vehicle be considered repossessed? If that had happened, then Wells Fargo would have written the loan off. Instead, they have been holding this loan for over three years expecting to get paid. I feel as though they are nothing but a bunch of thieves. They accepted the insurance money, they took the vehicle and now they are ripping off the public. Guess it's time to contact the BBB, Banking Commissioner, my lawyer and perhaps the national news.

I pray for anyone that has to deal with any Wells Fargo product.