I took out a car loan with wells fargo auto finance May 22. Since day one my account has been tampperd with. I have spoken to several people over the period of two years.
The first issue that has gone on is they have placed auto insurance on my vehicle since day one. The proof of insurance was not valid, the insurance card was not accurate this is what a wells fargo collection agent told me out of the PA office. I was then give numbers to contact Balboa insurance company who, is the company who places the actual insurance on the account. They infrom me they need to contact my insurance company to get this information, via a phone call fax or writen letter.
This happends Wells Fargo Auto finance co, still keeps the insurance on the account and being that I am not paying for the additional amount of insurance I am place past due and late. This is because I am only paying the regular schedule payment amount. Keep in mind Balboa insurance has received the paper work form my insurance Co, and they have not called thier department at wells fargo to delete the insurance.
So being that Wells fargo did not recevie any informations supporting verrification of the vehicle insurance from Balboa they will not remove the insurance. I contact the both partys via Three way, and they inform each other of the error, Balboa informs Wells fargo to delete the insuarance Wells fargo says it will take 10 to 15 business days. This is in december of 06 going into 07 in about 2 weeks.
Come Feb 5th of 2007 my vehicle is repossesed. Due to non payment and past due from 05/22/06 - 02/05/07 what ever days that is, I am past due I owe 3k including late fees and money to redeem my car.
I pay it the total amount and the redemption department states if I want my car back "I better coroporate" The lady who is charge of my accoutn is just unprofessional, rude has this DMV worker attitude. I have to endure her sarcasim and harsh tone of voice as if I am a child and she has to scold me.
I am rediculedabout why I did not pay my car, I sign an legal contract and I did not hold up to it. I explain to her about the insurance, she says I have nothing further to say to you, fax me your paperwork. Gives me the fax number and all the supporting documents for the loan. Check stubs driver license refferances and 3 months of pay stubs just like if I was taking a loan agian.
This is on a friday all this happends she goes home at 3 pm est. So I am in california so she says she will complete it on Monday for me to call back. Keep in mind I have been on the phone since 6:30 am PST with Wells Farg. I western Union the money to them at 9:30 am yet they refuse to release my car.
So I am going to aquire holding fees from the agency who took my car. Wich is another 550.00
I get my car back one week later. Car is current and I am paying on time two payment a month 275 before the 15th of the month and 500 on the 20th of every month.
They still attach insurance on my car after may of 07 back from 11/07-the current day.
I clear it up they credit my accoutn do not reverse any of the so called late fees and they dont report me being on time. They dont refute the late fees or number of days late to any of the credit agencys.
This stays on my account. They refuse to help clean a mess that they created on my account.
So lets move forward. Wells Fargo place my car past due and adds more late fees. Plus they add insurance on the car agian. I have had the same insurance company since 11/07 as to this date thsi company has repossed my car 3 times. And added over 5k in late fees 2500k in insurance and the repo department and payment processing department says some one is tampering with my account.
I have been trying to get out of the loan since 07.
Is there enough people who have this problem, so I can do a classaction lawsuit. They have wronfully repossed my car and they need to be investagated. There has to be some one that can help. This department or auto finace group has done so much it is not even a joke.
I work in finance and conduct regular audits, and know the way they are tampering witht he accoutn some one is stilling or apply payments to some one eleses account.
Hernandez
Anaheim, California
U.S.A.
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