I have been on hold for over ONE HOUR and Fifeteen minutes waiting to speak with a "customer no-service" person...still holding and getting more angry by the moment...

I have a car loan with Wells FArgo Dealer Services and I have been paying extra for my down payment and in advance up to 5 months. This month I decided to cancel the automatic payment which was normally registered on the 17th of each month, and that's because we're taking a month long vacation and we need the cash to pay the bills that are coming up while we're gone (I don't get paid while gone). So I called WFDS on the 15th after I sent the request in via faxed and I talked with one of their representatives (I don't remember their name). He told me they will make sure the payment is going to be stopped in time before the 17th, made sure he put a urgency note on that but also said that he can not gurantee that it will nto go through as they need up to 72 hours heads up. Sure enough, not on the 17th, but on the 20th the payment is taken out of my bank account(which in my calculation is definitely over the 72 hours mark). So I call them on the 20th and I asked them why wasn't the automatic payment cancelled and why are the money take out of my account, after I have sent the faxed in (the confirmed they received that very day on the 15th) and I also talked with that representative to make sure the payment won't go thorough. This other guy I was talking with, Eric, apologized and made me write another letter and fax it to them requesting the funds to be transferred back to my bank account the same way they were withdrew and promised me that it wont take more than 24-48 hours for the procedure to take place. Here I am on the 22nd wondering how come the money haven't entered my account so I called them again. This time I spoke with Juliana which is giving me completely different information: the money will be credited back via check on the 27th! This, after I specifically asked the Eric guy which form will the refund be in because I wanted to make sure that it will be transferred electronically, since I will be out of the country on the 27th. It seems that all along I was feeding lies, starting with the first guy which told me that the automatic payment will be stopped in time, to the Eric guy promising me that the refund will be done electronically the same way it came out of the account and in no more than 24 to maximum 48 hours and now to this Juliana which is giving me a total different story! I got so fed up with their lies and lack of professionalism! I asked to talk with the manager, Bmit, and of course I was only transferred to the voice mail, without her giving me a number to call back to, in case it gets disconnected, and now I'm hoping for someone to call me back take care of this mess! I won't be in town to cash the stupid check on the 27th and I need the money this week, not next week! This is MY MONEY that I request back and I request them electronically the same way I have sent them! Why is it so FRUSTRATING and ANNOYING to deal with these people! I HAVE NEVER DEALT WITH SUCH A HORRIBLE COMPANY AND LACK OF RESPECT FOR THE CUSTOMER! BE AWARE WHEN YOU DECIDE TO GET A LOAN OF ANYTHING FOR THAT MATTER FROM WELLS FARGO DEALER SERVICES!

I too have a similar problem as some of the "complainers" on your site. We fell behind 2 payments with wells fargo dealer services due to financial problems. (we only have 3 months on the car and it is ours!) I/my husband have spent hours on the phone with these people reitterating the same story. They should really type it up and keep better notes. Anyway, my husband called on 4/22/11 after we received a repo notice. What a joke! I can't believe companies send out repo notices for only 2 months late. I can understand 5 or 6 months...but 2. He told the "repo man" our situation, again, and that we will make a payment on Monday, 4/26 after a check I deposited in our checking account clears. The person told him wells farge really needs both payments. My husband told him I really can't do both. I can have the second one in two weeks. My husband said the repo man said okay. So I called our bank today, Monday, to see if the check cleared so I can make the payment. It hadn't. So I called my bank and they said today is the 25th, not the 26th. So naturally I had to call wells fargo again. The person I got was the same person my husband spoke with on Friday. I explained the mix up. He said let me see what I can do. He gets back on the phone and said I need two payments, not one. If it is a letter of repossession I can only take what is on the letter. I told him I didn't have it and what would he like me to do. He said he has to follow the rules. . .he sounded like the type of person that follows rules. I told him I only have three payments left why would I not want to pay my car off. He said they'll have to repossess it then. I said you can't do that. He said what is the address you're at, I'm going to send someone over there now to get the car. Then he hung up on me. That's how wells fargo deals with their customers. Nice work!!!

I already know a remark I am going to get " you owed e money, it is your own fault". And I agree. That being said, i want to share my story.

Last year I got a month and then 2 months behind. I repeatedly did as Wachovia requested (now Wells Fargo), and contacted them. But they were rude each time? The long story had to repeated numerous times, even though i would be assured that notes were made to avoid the story telling. So, if i didn't contact, they got even more aggressive and mean. I would yet again be told that wouldn't be the case if I would contact them. This was not true, but they wouldn't be 'as rude' as they were when I don't contact them. Two of the lesser evils, then?

I still need to tell you I paid every month after I got behind and told them i could catch up when i got my tax money in February. I got an extremly rude girl in January who said if I didn't pay the 2 months plus the upcoming payment that day, it was being put in for repo. I explained I could in February, but she ended the call with the threat. Well, i needed my car to take car of my daughter, get to work and get to the doctor ( last year i was rear ended and can only work part time now and go to a doctor twice a month). So almost three years ago i was laid off ( I was employed for 11 years and made a good living), took a job at half my salary ( I am a divorced mom and needed to take a job to take care of my 11 yr old daughter AND just spent my 401k to argue with my ex husband and still can't get the child support order enforced; a whole different drama). So i have less income, fighting for child support, and no savings left. Add losing my dad to Parkinsons last spring and being hurt in an accident in the fall ( i now can only work part time and the girl who hit me is 18 years old and barely any insurance). I had been paying every month this year and promised to catch up in February, and even made the January payment (after the re.po threat).

Got my tax money last Friday. Needed to find out the total due, but the bank was closed for the holiday this weekend. Monday at 2 am, they repo'd the car. The one lucky thing i needed to mention is that my long time boyfriend ( I am 45 yrs old) just moved here from out of state, so I had someone for assistance. I called WF to get the amount due to reclaim; they kept telling me to call back. Finally, they tell me they do not want to reinstate the loan, partially because i made it difficult for hem to repo.

Well, to be honest, in January I did not have the money to keep it out of repo and could not have afforded to pay to relaim it. I would not have it to get to work or the doctors. So I have to say it was an obvious choice to need to prolong it as long as possible (and hope I could make it til the tax money arived it). And at least my boyfriend is here to drive me around until he finds me a car. Yes he was going to help me in March if need be, so he will just help with this.

After all of the backround; what is the complaint? Well, repeatedly being treated badly, despite folowing the instruction given, full disclosure repeadly, paying consistently after being late (showing a low risk profile), and repeatedly promising to catch up in February, and they repo in the same month previously promised. In a time when banks have a bad rap, some banks (forclosures) are trying to be customer friendly but WF is rude from late day 1 of this car loan. The same economic issues are affecting my mortgage, yet BOA is trying to work with me but WF is the polar opposite. A home has more importance than a car, but it is a key factor for taking care of a child, medical needs, and to keep employment. Why is that lost on WF? Especially with the backround explained

I purchased a vehicle in March of 2009 using financing from Wachovia Dealer Service. Wells Fargo bought them out about 4 months ago. I lost my Job in July of 2009 and was still making payments up to Nov 2009. I found a Job in Nov but got injured 2 weeks on the job and have been in Disability to this date. I called the bank to tell them what had happened to me and to see if they could reduce the interest of 19.99 to help lower the payment as workers comp doesnt pay much. They stated they could not help me at all unless i make 12 payments first and have a full time job making a certain amount. They stated that even then they may not be able to help. I know banks can reduce rates and help as long as u make the minimum reduced payment amount. I fell behind a couple months and still trying to get the bank to help but nothing. I was willing to at least make the principle amount but they dont care. The manager said i was threating her by trying to tell her its BS that they cant lower my interst and she hung up on me. The Repo guy was at my door the next day. Wells Fargo left me with no car now and i have to get around to doctor and around town on Crutches. So nice of us Tax payers to bail them out of their mistakes for the housing problems but they cant help consumers when in need. Do not get a loan with Wells Fargo unless you have the money to pay them back fast and you dont lose your job or get hurt.