Call Me STUPID? Not Hardly. I am a business manager for a large company and I know where my money goes, both personally and professionally. I sent a check for my car payment, it was cashed and three days later I get a phone call from a very Rude individual named Monica... She wants HER payment for month so and so... I gave her the Check number and told her that the funds where already pulled from my account on that check to WFS Financial. She became aggravated and told me I was mistaken, that no such check number was sent, and said, "Come On Linda, Tell Me what is Going On, Why can't you Make you're Payment???
What? She told me I had some options, I could defer a payment,
Pay an extra month, at the end of my Loan? Oh with a small service charge, of course...
NO, I won't be doing that Monica, I already sent my payment... Monica tells me that I owe an additional thirty dollars because my payment is late, and that late payment charge will continue to grow if I don't clear up my account. I wasn't even due technically for that month. I laughed at Monica and asked her who her Supervisor was, she told me that it didn't matter who her Supervisor was, because he would tell me the same thing. I asked her a criteria for her Job was to be rude. I told her that I was a customer and I was the reason she had a job, and got a paycheck. She was very hostile and upset because I was amused by our conversation. I told her that I would not be giving her another payment, that she needed to update her files. She was so angry that I told her I was going to hang up from her abusive tone. She Told Me, "If you hang up on me, I have no choice but to refer you to a case review manager, and that means they could revoke your Loan, and we could reposess your Stratus!" I told her that I would Love to talk to My "case" Supervisor. (SOUNDS LIKE WE ARE ON TRIAL FOR MURDER, DOESN'T IT?) I never got to talk to the review person or a supervisor... On one month I used surepay,
automatic transfer of funds from my checking account and a nightmare began... The following month WFS Withdrew another payment, without authorization... And cashed the check I sent
them for the payment, TOO. I had bounced checks on my account I have had for six years for the first time... I called WFS to
collect one of the payments back and they told me NO... They also told me that I was mistaken, that they DO NOT Keep our Checking account information on file... I told them that was a straight out lie, because the individual I spoke to to set up the Surepay payment had my checking account information... A heated conversation insued and I informed them that they would
credit my account or I would file a law suit. I was reminded at that time that I was being recorded. I told them good< send me a copy for my lawyer... My account was credited the overpayment, but the bounced checks I paid for... I never received an explanation or apology. I do not send payments by mail, or pay with surepay either. IT IS A CONSTANT headache.
I pay by Moneygram, that way I have my receipts and a third party company as a witness. I have instructed my bank to never send funds to WFS... A truly legitimate business could be trusted with my bank information I think...
I hope someone learns from my mistakes...
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