This disreputable "lender" scrapes the bottom of the barrel when entering into financing agreements with merchants. My issue and complaints are straight-forward:
Wells Fargo agreed to finance pets purchased from Rufus & Co., Woof, Inc. Or whatever other trade name they were known by in other states. HOWEvER, they agreed to finance transactions that were under so-called warranties (as any retail pet purchase must be) AFTER Rufus filed for
bankruptcy protection!
When a merchant files any chapter in bankruptcy court ALL warranties issued thereafter are invalid. Rufus sold dogs bred in "puppy mills" many of whom had congenital defects. My son's girlfriend bought an adorable dog
who got sick within the first two weeks. I paid almost $1,500 in veterinary bills, obtained a written statement from the doctor that the dog was purchased with that condition, and my son's girlfriend submitted the
paperwork in a timely fashion to Rufus. Rufus did NOTHING, and I kept after any and every party to these dirt bags until an attorney remotely involved
with the bankruptcy advised that Rufus was going totally out of business and wasn't going to pay any of the multitude of people who tried to recover under the warranty.
Now, he didn't say anything about the warranty being invalid at the time it was issued, of course. I researched that on my own. The bottom line is
this:
My son's girlfriend no longer has the dog. They had to find another home for her a couple of months after she got sick, since she had a urinary problem that required owners to be home with her during the day.
The issue is now between Wells Fargo and Rufus. My son's girlfriend is certainly NOT going to pay a financed transaction for defective merchandise at purchase, under a fraudulently issued warranty.
I personally drafted a cease and desist letter to Wells Fargo Financial, referencing all pertinent information. My son's girlfriend has recently moved, but our landline is listed in the phone book. Despite being advised that my son does not live here, these people continue to call, at ALL HOURS, and MANY TIMES within ONE HOUR. Calling too early in the morning or too late at night, as well as repeatedly within an hours' time are VIOLATIONS of the
FDPCA.
This morning was the last straw. They called early on a Saturday morning and woke me up. I've worked long hours all week and was looking forward to sleeping in. Now, I've HAD IT. I am NOT an involved party here, but I AM
going to report this Company to the Attorney General of Iowa as well as the FTC. I will ask that they investigate the possibility that Wells knew of Rufus' bankruptcy status BEFORE agreeing to finance purchases with
worthless warranties.
This company crossed the line and tangled with the WRONG people. If they are harassing your family as well, go to the websites of the Iowa Attorney General and the Federal Trade Commission, and follow the links to file a complaint. Have all information like name, address, phone number, dates, times, etc.
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