United hyundai the biggest ripoffs along with wells fargo auto finance
They filled out the credit reports all but for the income section on both reports, and had us sign them. When I requested the reports from Wells Fargo Bank, they really didnt want to give them to me. I looked at the reports and seen they had fabricated the household income on both reports. The first one dated 10/20/07 showed income of over 7000.00 when actually it can be proven the total income was less than 3000.00. They had my wifes income at 1250.00 and my income at 7251.00. Then in November we go back to get another car they submitted the credit app to Wells Fargo Bank who again approved the loan. This time the credit app shows my wifes income at 4200.00and my income at 3424.00. The first car was a Chrysler Aspen which we got on 10/20/07 and I took it back two days later and wanted my old car and was informed that since we filled out the paperwork for financing (which had not been approved yet) I was stuck that I had to take the car. So I am now stuck with a 2007 aspen that I do not want. Also the car I traded in which was a 2006 tiburon up-graded sports model with a kelly blue book value of 16,000 and I owed 25,286.00 which they paid off and added on the purchase price of the Aspen. I have talked to We4lls Fargo Fraud Department and there response was what do you want us to about it and that it wasn't there problem. I have asked for the original credit applications which they refuse to even respond. I sent a cease desist letter on 4/26/08,
To there collections department. I get a call from a Kevin (refuses to give last name or collector code.) a couple of days later and I informed him I sent the cease and desist letter and he informed me since they were first party collections they could do what they want.
We get ten to fifteen calls a day from them, sometimes they leave a message. I have talked to them and explained I don't know how many times that I cant pay for the cars and have asked them to repo the cars.
It doesn't do many good to explain anything to them, 15 minutes later somebody else will call, this goes on seven days a week. On 6/23/08 they withdrew 1219.13 from our checking account I went to the bank and they called the collections department, I spoke to a Molly who supposedly was a supervisor, and her response was if you have Wells Fargo Auto loans they go into your account without permission and take money. She said it was in the contract that we signed at the dealership. We read the contracts and found nothing of the sort. Wells Fargo has never give us a loan contract, so we have no idea if it is even true.
When I told her that I asked for a voluntary repo back in April and they refused tom talk to me, that as long as you have a checking or savings account with Wells Fargo they wont repo the cars, they will check to see if you have money in your accounts and just take it without your knowledge.
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