My husband and I have been having severe problems with Wells Fargo Auto Finance for approximately 3 to 4 months now.
What are the problems! Trying to get those idiots to understand the following: The Credit Applications which took us almost a month to receive from them were fraudulently submitted by United Hyundia, 2025 East Sahara Aveune, Las Vegas, NV. Next, calls from them 7 days per week from 8a till 9p and some of them back-to-back.
My husband also informed those idiots not to call him on his cell-phone since he pays for the minutes and not them. Did they listen... Of course not. He even sent them 2 cease and desist letters to stop these calls but to no avail.
I even reached the point of disconnecting my telephone by unplugging it and also turning down the volume to shut it up. Who pays the phone bill... Definitely not them but we were totally inconvenienced. Even if you talked to them, they would still continually call you all day long.
We have both tried to explain to each of them there since no doubt they all have called us at one time or another of the following: We do not have any monies and do not make the amount of monies that was submitted on the credit applications. The credit applications were fraudently submitted. Not their problem he was told.
He even tried to explain to each of them he was receiving Unemployment Compensation. Next question out of their mouths: How are you paying your rent? When did that become their business is what we want to know. Next question: What about your Federal Stimilus Check from the Federal Government? They were duly told it was totally confiscated to pay back taxes... An audit we were in for the past 2 years as if that was any of their business.
My husband continually tried to tell them when he would answer the telephone to just come and repossess the vehicle and/or vehicles since there were 2 vehicles involved. Both vehicles should not have been financed, whatsoever, if they, Wells Fargo Auto Finance, had verified the information that was on the credit applications sent to them by United Hyundai. They definitely did not do their homework at all.
Information on both applications were different and the applications were sent in within 3 weeks of each other. Both applications had 2 handwritings on them plus our signatures which, in the age of computers, can be altered. Someone at their company failed to do their job which has caused nothing but headaches.
Next for the CLINCHER: On June 23, unbeknown to us, Wells Fargo Auto Finance without our authorization, went into our personal checking account at Wells Fargo Bank and withdrew almost $1300. That money was there to pay our July Rent and now we are struggling to get our rent paid thanks to those a*.
The following morning we were sitting in front of a banker hoping against hope to have our monies returned. Whoa is Me!!! The banker contacted that division and according to THEIR contract were allowed to tap into your checking account as long as you banked at Wells Fargo. WHAT CONTRACT!!! They never sent us anything from their division, Wells Fargo Auto Finance. Also as long as you banked there, they could not repossess the vehicles or vehicles in question. We voluntarily gave them permission to repossess it. Were our bank accounts closed, oh hell yes, and it was immediately done. The banker informed that division that we had officially closed both checking and savings.
My husband requested a copy of THEIR CONTRACT only to receive another copy of the contract you receive at a vehicle dealership. We read and re-read it on the back and there is nothing in that generalized contract that states if you Bank at Wells Fargo that Wells Fargo Auto Finance can take monies out of your account without authorization. Apparently that company can do as they d* well please.
My husband has worked for numerous collection agencies in the State of Nevada, City of Las Vegas and informed me he was governed by the FDCPA. Fair Debt Collection Practices Act at each of these agencies. When he talked to Wells Fargo Auto Finance, he was informed they do not have to abide by those laws. Are they better than all of the other agencies in this city and state? Guess So!
What is taking place today... Here goes... One of the vehicles has had the license plates returned to DMV and is sitting in the parking lot ready for repossession. As for the other vehicle, head for Hillsboro, OR where it is located for we have no monies to retrieve it since the individual who agreed to pay for it drove it there. Of course, we were conned into purchasing both of these vehicles by none other than United Hyundai.
My husband has faxed information to the following: Office of the Comptroller of the Currency against Wells Fargo. Yes, it is a division of the Federal Government. What do we want: Our monies back. As I said above, we are existing on Unemployment Compensation and barely making ends meet in this economy. Jobs are scarce right now.
Finally, the calls have stopped here which as been a godsend. Peace and quiet from a ringing-off-of-the-hook phone. We have been trying to secure an attorney to go up against United Hyundai and Wells Fargo but to no avail. Attorneys want monies upfront but we have no monies to spare at this time. Stressed out, oh yes I am.
Everyone out there please read this statement: Run, don't walk away, from United Hyundai and Wells Fargo Auto Finance. If you don't, you will have more problems than you know what to do with in your lives. We should know for we are living proof. They do not care about you at all.
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