What started off as being a loan through Wachovia Dealer Services, ended up being a loan through a bank that I've heard nothing but negative things about and without choice, my new lender.
There has been occasions where my loan has jumped up considerably after being a few days overdue (my fault there of course) but when you do the math with THEIR FORMULA of interest per day and any late fees, the charges go way over and when you try to question or reconcile it, the rep has no idea what to do and will push you onto someone else by saying someone will call back which of course never happens. Or they're put you on hold and never get back to you. Asking to speak to a supervisor comes with an answer of "no supervisor is there" or "they'll have to call you back." I actually talked to someone who said they were a supervisor and turned out to be another employee. I about dang near hit the roof!
In all honesty, I have had a few credit issues and have taken a higher interest loan to drive something decent. I don't feel it gives Wells Fargo DSvcs the right to do whatever they want. The main reason in putting this report together is to discuss the unauthorized charges to a checking account that doesn't even exist and is still in their system then listening to them lie about it by saying I authorized it on the phone! See that's what's so great about the phone with frauds like WELL FARGO DEALERS SERVICES and dealing with checking accounts and credit cards..
Basically, I called them to say I was going to call them back in a day or two to pay off the car. With that said, they feel they have a right to get into your banking account and make unauthorized charges at random if they don't hear back from you.
They did this before and I let it go as I didn't want to hassle with it which I'm sure they rely on with many as a means to violating state and Federal laws.
This is going to be the beginning of something long and hardly fought now. Why should some shady Corporation get away with breaking laws as if they're above the system anyway? Money or not they shouldn't be doing that to anybody thinking they can geta way with it anytime they want. Well, I'm on the war path now and I'm going to do everything in my power to get this out in the open and make sure they 1.) Own up to it and apologize and 2.) they never do this to anybody again or 3.) punish the perpetrator for doing something illegal that will get them fired, possible jail time, or 3.) a good basis for a lawsuit.
Any input or suggestions on dealing with this is more than welcomed and greatly appreciated. Thanks.
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