Wells Fargo Consumer Loan Complaint

Wells Fargo Consumer Loan department,

Vehicle loan Problems when you are unable to pay California

Today ( - -, - ) at -, I stopped at the Wells Fargo branch at - - - - - - - , CA -. Upon attempting to make a payment for my auto loan, I was informed that the loan had been closed. I then called Wells Fargo Dealer Services at - and I spoke to an agent on the phone at -. The agent informed me that the loan had defaulted due to 120 days past due. I have made - payments in the past 120 days, - in - and - as recent as - -, -. They keep the payment date rolling for as to which month my payment applies to, to tip the scales into their favor in order to seize my car, which is worth approximately twice what I owe ( repo incentive ). I then asked the agent if the car had been put out for repo, to which he initially declined to comment on. I was not contacted by WFDS with any kind of notice or alert to the account, and never once notified to the error of applying payments to the month that WFDS so chooses in their favor.


the name -. By -, I headed to a Wells Fargo branch in - -, NV to open a personal bank account, during which I asked the branch manager to call WFDS on my behalf to get the amounts I need. I explained the phone harassment and my lack of confidence in wanting to call them to settle it myself. I was able to pay the amounts once I knew them, and I also requested a copy of the loan through the branch manager. They were going to fax her - and they never did, despite an additional call from the manager. In - -, I began receiving calls again from WFDS, often making my phone ring no less than twice a day- and if I picked up, most of the time they would hang up. I saved the number in my phone since they called so frequently. In fall -, I spoke to the highest person, -. I explained how harassed I felt, but specifically the low-talking gentleman named -. She promised that - would never call me ever again, not even once. It was a promise made on a recorded call that sits somewhere in WFDS data repository. He called many times after. On - -, - -, -, I was treated the most disgracefully up to date. I was immediately harassed by, not -, but - separate agents in - separate phone calls. I then explained how - payments had been made and I was told that they could n't find it, it 'had n't shown up in their system. After - minutes of going back and forth they caught the mistake ( and I believe got - involved ) and explained that - of the payments had been applied to the principal, and I had now been hit with a late payment penalty! I 've never gone through such a hard time to prove that I was being truthful, and on - of all days of the year. This message has been significantly truncated, but I have more noted instances of harassment and targeting by numerous agents at Wells Fargo Dealer Service ( -/-, -, -, -, and more ). There are many people close to me that are aware of my distraught relationship with Wells Fargo Dealer Services and how much anger and anxiety they cause me, to the point where I am willing to get an attorney involved if it can be done at a reasonable retainer. I am not seeking to win judgment, I just believe that even if I lost, I would be vindicated by deposing all Wells Fargo Dealer Services agents and staff under oath and playing all phone recordings before a judge. There are always biased instances where customers are upset at a company. In my case, I do believe there is evidence beyond a reasonable doubt that proves that I have been unfairly targeted by WFDS