I purchased a vehicle in late 2005 and used Wells Fargo as my finance company. I added the vehicle on to our existing insurance policy with Allstate and maintained that until switching agents (still with Allstate). We then changed to a family agent who placed us with TOPA/RMIS. We have never had any lapse in policy or terminations of any policy. However, shortly after we purchased the vehicle, Wells fargo has sent us letters indicating the placement of Collateral Insurance on the vehicle for failure to provide proof of insurance. OK, we thought this must be a mistake and someone's something didn't talk to the next person's somebody. We called Wells Fargo and submitted via fax the Insurance declaration page. Upon receiving our next 2 statements, we noticed the Collateral Protection charge is still factored in to the amount (nearly $2000!!!).

Then the collection calls began.

I called back to Wells Fargo and after fighting with a collection rep just to get to speak with someone regarding the insurance portion, I was finally transferred to a manager (or so I thought!) who explained that they had no record of receiving my proof of insurance. Did it just vanish into thin air? Did someone just not do their job? OK, mistakes can happen. we faxed it over again figuring this 'manager' guy should settle this once and for all. 2 months go by, 4 months go by, and still nothing taken off our bill, all the while, the collectors are steadily calling and getting more in our faces and threating us with their veil little threats, as if it were their PERSONAL automobiles!

2 months after switching to our new insurance, we receive another Collateral Protection placement letter for nearly $2000! We went through the process of calling again, this time being directed to call Balboa Insurance directly. OK, now we're getting somewhere, not. After Submitting our OLD insurance and the NEW insurance to Balboa, it seems at one point they mysteriously don't have a record of receiving it.

the next time they saw the notes in the computer where we submitted it but nothing was processed and that they would look into it. Several months had expired with nothing being deducted from our statements and now it is showing an outstanding balance just over $4500. You can imagine the flavor of the collection calls now. It was really getting nasty when we changed to our Family's private Insurance agent who placed us with TOPA. Of course we received another letter shortly after for Collateral Protection placement (can you guess how much?!)

I promptly called again, and was directed to Collections. I hung up and called Balboa directly again. This time I spoke to a representative who was only interested in receiving the proof of the current insurance coverage and would not listen or look into my claims regarding the other to CP placements. THIS TIME, THEY FINALLY showed a deduction for this 3rd CP placement amount.

I called again to resolve the previous issues, and was directed to have my Agent call. He did while I was sitting in his office. It has been almost 4 months since and things have not been resolved at all. We have followed every guideline we can and still nothing from them. Not only is their insurance outrageously high, but the internal mechanisms of communication between these 2 companies is nonexistent.

Additionally, I have previously purchased a used truck in 1997 wherein Wells Fargo was the finance company, and the same thing happened. It took them forever to get the records updated (both with Balboa, and then with Wells) to reflect the private coverage. It then took almost 2 months for the reduction to show up on my statement.

We have recently purchased a new family vehicle and again, in no more than 2 months, we received a CP letter for this vehicle. We called Balboa and got the run-around. We then had our Agent call Balboa and 2 bills later the deduction appeared. We also received a confirmation letter from Balboa rescinding the Collateral Protection on this vehicle (for now!)

In my opinion, Wells Fargo Auto Finance could be a good company to work with if they maintained their policies from a management perspective, dealing with issues of oversight fairly and not as if everyone is a criminal (guilty until you prove yourself innocent. multiple times!). They should have better communication with their partner companies. but then again, THEY DON'T CARE ABOUT THE LITTLE GUYS WHO

PURCHASE A LITTLE CAR FROM A LITTLE DEALERSHIP. They only care about their monopolistic gains and it is just a paycheck to their representative. No wonder American jobs are getting shipped overseas at record pace! Because we just don't care enough to do our jobs properly. I can truthfully understand if I were trying to rip them off and just say 'screw them', but I am an average working class stiff, who has his financial ups and downs (who doesn't these days) but I am definately not trying to NOT pay for something I purchased.

This whole company needs to be INVESTIGATED and a little CIVILIAN OVERSIGHT immediately!

I have called the bank they cannot find anything under my social security number. Then they gave me another number to call RJM Acquistion and they have nothing. It was not anywhere to be found No such thing. (RJM Aquistion- 1800-824-9516 that handle Wells Fargo accounts said there is nothing their. It is lead to belive it is on the wrong credit report. Please look into this and help me clear this up. Thank You so much for your help. I need a letter clearing this up as soon as you can Mary Buerger -28925 Phoneix Way Sun City 92586--phone-(951-6793274) 9241-ss)

Signed up for on-line banking and the bank stopped my paper billing without my authorization. Also paid auto pay when funds were not available and charged over limit fee in stead of insuffient funds fee which is much lower. This bank does not deserve a bal out or anything else except for a federal investgation for fraud !!!

Received an email saying I was overdrawn & please deposit funds to cover. Checked both our accounts-nothing short. Our phone isn't working so I emailed bank -so many times we get these overdradt notices & there is nothing overdrawn-figured it was another error. I knew I had about $14. bucks, I deposited a $10.00 rebate check, went to the store spent about $5.00, stopped at the other store spent about $10.00, get home, sign on to see how close to broke I was, & big surprise! Things are different, Bank had charged a $30. fee for an advance, overdrawing me & charged $35.00. I emailed again-angry-told bank they can't charge me a fee because they charged me a fee that did not need to be charged. They said no. Next day-things are changed AGAIN, it shows I repaid $100. advance plus a $30. advance fee(should have been $10.) with about $14.00 remaining.Made a copy of this.I replaced the 2 store amounts & emailed bank about the error. Nailed me again w/2 more overdrafts. I told them it's wrong & I'm not paying.No more ripping me off.There was no overdraft.Anything that went out had a deposit with it.Bank changes dates & lineup of charges, things disappear so you don't know it was ever "pending", too many tricks to keep up with. On SSDisability & am very careful-can't afford od fees!

I was a phone banker at wells fargo and first off, they pretty much lie to you during the interview. They try to say it is all about customer service but all the job is, is referring products and services that 90% of the time the person does not need. And they are very aggressive about it but during the 6 weeks of training you pretty much don't learn anything about the products so you are just pulling info out of your ass and if you ask for more information about anything you just get brushed off.

They have schedule "bids" where you are supposed to get to bid on a schedule before it is offered to the new hires (new training classes with 10-20 people every two weeks- should have been a huge warning sign) but the only schedules they offer the people already working there are the bottom of the barrel with the new hires having the most coveted spots.

People were getting fired around me left and right for believing information that my supervisor gave them. More than one person called in to find out if they had enough points to call in (our attendance was based on a jacked up points system) and she would tell them they had plenty only to call them later that day and say they were fired because of attendance.

We have our calls recorded and are graded on them. There was a discrepancy in our Virtual Library which is pretty much the phone bankers bible which resulted in a call of mine receiving a zero which is really bad, obviously. About 5 team leads, managers and even our centers QA expert agreed that it was mis-scored but my supervisor could not even comprehend what we were saying at all. She finally agreed to file a dispute. They next day I had to go to a meeting with my supervisor and her manager about the call and I explained what all we had discussed and said that we had filed a dispute and my supervisor looked at me like I was an idiot and said that we did not that I should have received the zero. Then two days later I walk in and get a hug and a congrats from that same supervisor because my dispute was found in my favor. The dispute that was never filed.

I finally got completely fed up and put in my two weeks and was told that I should probably leave. Knowing that if our supervisor tells us to leave in this situation they still have to pay the two weeks (she does this with everyone who quits- which is a lot of people) I try to verify that I would get paid and she said that was impossible but that I should still probably go. I had a training class for the job i had secured as a replacement in exactly two weeks and could not go without that money and had told her that upfront. I told her that if she wouldn't pay me I was staying. She was really mad. She told me that I shouldn't have put in my two weeks and I should have just left when I wanted. I explained that I was following company policy. She then tried to say I should go so I could start my job earlier and I explained for the 3rd time it didn't start for two weeks. She just got all huffy and left (early as usual) for the day soon after. I found in our handbook the policy regarding the pay situation and emailed it too her and left.

For the next 3 days i was trying to get ahold of my hr consultant only to be told that he was on leave. So I finally got ahold of his supervisor who was incredibly rude and put out that I was even talking to her. The next day I get a message on my phone that she talked to my supervisor and her manager and that my supervisor had begged me to stay and that both of them had been trying to call me everyday multiple times a day. And that I had abandoned my job and I would not be getting paid. And that I shouldn't call her back.

I did try to call her back repeatedly because I had phone records proving that no one tried to call me at all. (I did receive one call after the hr lady talked to them- full of fake concern about my well being and stating that they had been trying to get ahold of me- thru telepathy I guess).

Finally the only person in the company that seemed genuine at all, the hr consultant from the lubbock phone bank called and actually listened and within the day called me back telling me I was right and I would be getting paid. She said she had to go higher than usual because she kept getting the run around. She was amazing and I can't thank her enough.

This company is shady. I would not even recommend banking with them.