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Wells Fargo/Auto Dealers

I bought a new vehicle 2 days after returning from Iraq for my third tour. I traded in my old vehicle who Wells Fargo is the lein holder on. 3 weeks after purchasing my new Jeep, I found out the dealership had gone out of business. I contacted Wells Fargo just to make sure that my trade in was paid off. Low and behold it hadnt. After over 2 months of Wells Fargo "fraud" department having all my information and conducting what they called was an investigation, they called to tell me I was 72 days late and owed over $1200 on a vehicle that I havent seen since early Dec. I now have 2 different auto loans. One for the Jeep I have and one for a Subaru that I dont have. They are making me pay $13,000.00 for a car that I have a contract stating I traded in. Why the *** does anyone sign a contract if the only people it protects is the bank????!?!?!?! I am so furious. I am a struggling veteran trying to work full time and attend school. I cant afford this. On top of all this when I asked if I could be put on some sort of hard ship payment program to lower my $500 a month payment, they told me not until the account is current. Wells Fargo doesnt stand behind their customers, the troops, or anyone else. Heartless company that deserves to get the same respect they give others.
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ID
#145999 Review #145999 is a subjective opinion of poster.
Location
Washington, District Of Columbia
I finaced my car through wells fargo and I called to see if I had a ten day grace period was told I had a ten day grace period and when I needed a couple of extra days to make my car payment they charged me a late fee and ten dollars to pay by phone and counted it...
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ID
#145982 Review #145982 is a subjective opinion of poster.
Location
Simpsonville, South Carolina

Wells Fargo Auto Finance ***, so unprofessional

Like the other complaint said, if your late even one day they will call you repeatedly. I finally gave in and scheduled a posted dated payment with them for 2 payments . The dumb *** put the payment through that same day. My checking account was negative more then $900.00. I spoke with several so called supervisors, who were extremly rude and told me I would have to fax over my bank statment and they would review the charges. Not once did they appologive for the problem they caused. I finally, after ranting to 9-10 people talked to a supervisor who was kinda helpful. He said they would refund my overdraft and stop payment fee, and send me a check overnight. It have been nearly a week and I have yet to see a check. Horrible company, this is not the first time they messed up a payment over the phone. At that they wanted to charge me $10.00 just to take a payment by phone. I am refinancing asap!!!!
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ID
#145922 Review #145922 is a subjective opinion of poster.
Location
Dallas, Texas
Product
Wells Fargo Checking Account
Loss
$22

Rate of Return

I was just curious when the banking institutions in the US will start charging people to keep money in there banks. After getting the bail out money from your children and grandchildren (not me I will be long gone) to purchase other banks, mismanagement of institution, and getting no return on investments. It seems like the next logical thing to do is charging people to keep there money safe. Checked your interest rate lately, I did . Hope I get a 30 day notice from Wells Fargo when they decide to do a little more fleecing and not one CEO (Chief Executive Officer) has been fired for this. lol
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ID
#145849 Review #145849 is a subjective opinion of poster.
Location
Los Angeles, California
I have been fighting with Wells Fargo for two years trying to get the title to my car. I got evicted from my apartment because they told me that if I didn't pay my past due amount, they were coming to repo the car. So I paid my bill, got evicted, then through my...
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21 comments
#1785626

I just got off the phone with Wells Fargo. They said my title is held by a third party company called TMS.

Is that legal?

I’m paying Wells Fargo for my car yet a third part company is holding the title. I’m confused.

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ID
#145781 Review #145781 is a subjective opinion of poster.
Location
Burlington, Vermont
Service
Wells Fargo Loan

Wells Fargo are Frauds!

as called by Sr. credit manager Chris Ives to consolidate credit cards to 1 monthly payment. We went to the office to see what they could do for her. Chris told us in order to get my fiance' cards brought to 1 monthly payment with a good apr rate and a manageable payment he suggested to refinance our toyota corolla which we had a 7.9apr for 60 month and put her cards with that in order to bring the cost of her monthly payments down. Chris had mention to me being part of this loan in order for her to better qualify for the refinance of her Veachle as well as consolidating her cards for the purpose of using my income to show more income on the new loan. I told Chris that I didn't want to use me because of my bankruptcy and that I knew my score would hurt her but he reassure me that my score wouldn't be used and that they would use her score which 700's and the only reason they needed me was for my income. I said that sounds good to me as long as we use her credit score and get an apr rate that is lower than 10% he reassured me again that it wouldn't be a problem. That was our 1st visit .We had to come back because they needed some info from me. A few days later we came back and started the paper work to get the loan through and it was close to closing time for them so they where in a rush to make sure our loan was processed. While that was being processed Chris was going over the paper work and telling us what our loan was going to be which was writing down on another blank piece of paper with the number of 9.6 apr rate and a 60 month payment of 440 a month Thats exactly what I wanted to get done. Problem #1 we didnt receive exactly what we went in for, instead we got checks to pay off little credit cards to the amount of $3000 and also the payoff to our car to the amount of $17000 . We had looked over the paper work we had signed and also the page with the numbers he had written on a blank piece of paper, with all the normal things on a loan document. Problem #2 we got home and realized that we where missing the 2 important checks. I gave Chris a call he said that they might have gotten printed so after days of calling him back and trying to get answer from him he finally had told me that he wasn't able to get those cards in to our loan and he told me that we where max out on how much money they could loan us and the other thing was we never received a copy of page two which had the loan numbers as far as apr rate the trem of the loan which showed 9.6 and 60 month term for 440 i had given him a call for that at was told by Chris that it was a dmv paper work and wasn't necessary to have and I ask him are you sure because it says on page one that page two has all the numbers and Chris said i am pretty sure but I will give you a call back that never happened. A month later we received the bill which showed apr rate of 17.74. Are you kidding me! and a loan of $456 some change a month and the loan for 72-months I was very angered, betrayed, and upset at wells fargo. I never rec'd anything to show the numbers that where told to us were real and because i should have made a case for the missing page not rec'd I was screwed. Now we're force to have a car loan that has a rate of 17.74 from a loan which we had a rate 7.9apr rate which is the reason for this long letter I asked them this question why would anybody sign/ refinance a car loan from apr rate of 7.9 to a 17.74. I told them if I had seen those numbers the day we signed we never would have signed. Chris had done alot to make sure we never understood fully what we had signed and withheld documents from us in order to keep us from stopping the loan process. This is FRAUD plan and simple! We have a 8 month old baby, and we thought we were doing good by getting our small debt in control.
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ID
#145316 Review #145316 is a subjective opinion of poster.
Location
San Diego, California
Service
Wells Fargo Refinance
Loss
$20
I bought some Lazy Boy furniture because it came with an 18 month SAC financed through Wells Fargo. I made payments enough to pay it off in the 18 months. Unfortunately I also used a portion of the "credit line" for other purchases. I made payments enough to pay off...
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1 comment
#152454

I worked for Wells Fargo in Des Moines on the Lazy Boy account - with the credit card service people upstairs. It was normal business to apply payments in the companies best interest.

I'd try to help customers but it was next to impossible to get the girls upstairs to change the way a payment was applied. I apologize to you for ever working there!

ID
#145152 Review #145152 is a subjective opinion of poster.
Location
Hilliard, Ohio
Product
Wells Fargo Account

Heads Up if you have line of credit with Wells Fargo

Wells Fargo is jumping on the band wagon. My husband recently made a large pmt to his line of credit. They immediately decreased his line of credit--"due to credit bureau based account management review." BS--with higher int rates and decreasing credit limits--the only thing lowering his score are the banks right now. According to WF--they don't have to give you notice--that comes in the mail after the fact. So be careful if you are doing the whole bal transfer deal--trying to get it all on one card w/lower locked-in int rate. Or if you use a balance transfer check. They might yank that credit in the middle of all of it. Also, according to the bank--they can do the same with your WF Business Line of Credit/MC. They can decrease it anytime--without prior notice--right in the middle of a transaction with one of your vendors.
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2 comments
#56271

I bought furniture at roomstore for $3000.00 which was charged to wells fargo roomstore account and a GE account with 0% for the life of the 1500.00 on each card. I have made payments to each card every month on time.

My GE card now has 50.00 remaining and my Wells fargo account had 951.00 remaining. (???)

I called WElls Fargo and was informed oh,a couple of months ago, three of my payments were retuned NSF. Turns out that when I changed bank accounts and imformed Wells on the new checking account #, they had never switched over my new account information. Instead of telling me about the NSF charges that they were STILL trying to get from my old account, they were also accepting the automatic payments from my new checking account.

So it turned out that my monthly payments were only paying for the NSF fees. Once I figured out what they were doing for FOUR MONTHS, I asked the call center supervisor why I was not notiifed. He advised me it was my responsibiility to make sure my information was correct not Wells Fargo. I told him to go *** himself and paid the whole account in full right there on the spot.

I was assured I would never have to deal with them again. That was in Jan 09. Today, April 20th, I get a letter in the bank from Wells Fargo stating that I owed them 90.00 for unpaid NSF fees back in Jan of 09.

Again they are doing the same thing!!!! NEVER OPEN A WELLS FARGO ROOMSTORE ACCOUNT!

#55672

They did the same thing to me, and managed to generate themselves additional $1000 in various fees that they are holding me responsible for now (on a business card with $6500 balance).

No wonder they are turning record profits, while my Engineering business is going under (because of bank's liberal lending, and housing market in the toilet).

They messed up the market, and now they're squeezing the last penny out of displaced service providers in the market they ruined.

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ID
#144494 Review #144494 is a subjective opinion of poster.
Location
Soldotna, Alaska
Product
Wells Fargo Account

Wells Fargo is the BEST bank ever...

I don't understand people's problems with Wells Fargo. For one, they are by far the most friendly people I've ever dealt with in a bank setting. I do understand, though, that it is an annoying friendly at times; like it's too phony. Also, they were willing to open an account for me, when nobody else would; I didn't even have the $100 open fee. I have never dealt with a better bank. They always answer their phones and follow through on home calls. The online banking is the best I've ever used and being able to get fraud alerts sent to you and getting your balance texted to you in seconds on request, come on. Anyone who has problems at Wells Fargo, probably deserves it. Like the guy who complains about them giving attitude over being "ONLY 5 days LATE" on a a payment, DUDE! YOU WERE LATE!
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4 comments
#55676

I've been with wells Fargo for 20 years, and never in my life bounced a check or had any other financial issue due to personal responsibility lapse. I'm also a degreed proffessional.

Last recession I managed to survive, this recession is hitting particularly hard. As soon as Wellls Fargo smelled a weakness, instead of being willing to work wioth me with good faith payments for a little while (I've been out of full time work for over a year now due to the recession, and my income is 1/4 of what it used to be), Wells Fargo is hitting me with any possible fee they can dream up, and trying to liquidate any assets that I may have left.

Their collection people are the worst I ever dealt with. I had a slim period during the last recession, and worked with American Express Credit, and with Discovery card Credit, and Capital One. All of them allowed me to make smaller payments for 6 months to a year, during the worst recession period. When I recovered, I paid them back every penny I owed. No chargeoffs or settlemets for a lower amount.

Wells fargo, on the other hand is manipulating. First they closed my business credit line without notifying me (it was current, and not even close to the limit. Maybe half ways, and being paid monthly very significantly over the minimum payment). The sudden credit line closure with no notification resulted in $2000 in fees they tacked onto my credit, explaining it's the usage of a closed credit line, and over the limit fees, and are holding me responsible for. They also jacked up the interest rate from 12% to 25%. A year ago I still had some business going, and was going to *** the bullet and pay the fees. Since then business dried out even more, and I couldn't keep up with $600 or more/mo business credit payments.

Over the last year, Wells Fargo VERY RUDELY refused any reduced good faith payment offers (and making them) on my part. They insist on being paid for it, and be paid now. Their way or no way.

Just recently, they seized my personal checking account, apparently I agreed to them doing this due to some sort of a small print I signed off on then years ago when I opened up my business, and business banking with them. This too was without notice, and with leaving ZERO balance in the account, blindsiding me with $800 in unpaid drafts, and close to additonal $500 in overdraft fees resulting from them cleaning out my personal checking.

A week after this happened, I finally recieved a letter from their collection department, saying the will do this.

Oddly, the letter was postmarked the day after I said I'll have to have an attorney look into resolving the matter, as I believe I was getting conflicting information. (April 6). The letterhead itself is dated (April 1).

My repeated attempts to contact and resove this issue with their collection department (in the last couple of weeks) went unanswered.

Wells Fargo will be kissy kissy with you when you can bring them value. If they sense weakness, they will play the worst hardball of any bank I've seen.

The saddest part is that being a Civil Engineer, my business is very tied to Real Estate and lending and banking industry, and this lending debacle has pretty much ruined my business. When they want new homes, you;re the bad guy because you can't crank the projects out fast enough. Now that everything stopped, you're the bad guy again, because you can't keep up with the bills.

Also, unlike Wells Fargo, my little business didn't get a government bailout. They're using my tax money to help themselves, and putting a screw to little people like me, whom theese taxes came from.

That's how Wells Fargo is turning record profits, they took $4000 of debt that I had on a $10,000 credit line, and using various fees, manipulations and jacked up interest rates turned it into $8000 they are now holding me responsible for.

When I went to talk to my branch manager, and explained the whole situation, he was very nice, apologetic, and acted flabergasted with the situation, and the business credit department aggressiveness, but basically told me that his hands are tied.

Since I'm a very small business, and not incorporated, but a sole proprietor, Wells Fargo is going after me personally and wanting to liquidate my family assets the same way they would liquidate a business.

No human consideration whatsoever, no consideration whatsoever for having been a customer for 20 years with excellent and squeaky clean banking and credit record.

Wells Fargo turned out the be the worst kind, super sweet in your face, and ready to stab you in the back the minute it is convenient for them.

#52208

I used to be really happy with them too. But times are changing.

Basically WF has penalized me for using my CC too much. (Never late, always pay more than the minimum, FICO mid 700s) They are raising my interest rate 40%. I have talked to countless CSRs and today, Executive offices. She basically told me it was my own fault (remember never late, never overlimit, always pay more than minimum but it's their 'ratios')

I have 6 accounts with them. By Summer they will all be moved or paid off and closed.

BTW my relationship with them goes back to 1981. THIS is how they reward loyalty.

If I told a long time good client "Thanks for your business, I'm raising my fees now" it would be professional suicide. I'm very disappointed.

#51762

Joseph, you have got to be kidding! You either must work for them or you live in an "Alice in Wonderland" world.

#50721

:grin I have 2 Wells Fargo checking accounts, 1 I have had since 1977 (32 years) and have had no problems. :zzz :p

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ID
#144386 Review #144386 is a subjective opinion of poster.
Location
Old Town, Maine
Service
Wells Fargo Banking Service

Will not correct their mistake.

I have been trying for a year this month to get correction on my car loan. I have faxed copies of where the payment was put onto an account that had already been paid off. They continually harrass you ,you try to explain it and send or fax paper work showing them it was put on another account and they don't want to here that. They would have to admit they were wrong. I will never make the same mistake again. This is one place I will never borrow money from again. If I even buy another car and they say Wells Fargo is our lender,I will walk out and not buy my car there.
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2 comments
#53919

it sounds like its your fault not wells fargo, smart guy

#51763

I'm with you. I will never do business with them again.

I boght some Lazy Boy furniture because it came with an 18 month SAC. I made payments enough to pay it off in the 18 months. Unfortunately I also used a portion of the "credit line" for other purchases. I made payments enough to pay off the furniture but Wells Fargo applies your payments however they want.

In short they hit me for the finance charges on the furniture.

So the SAC program with them is a bogus scam. DON'T FALL FOR IT.

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ID
#144122 Review #144122 is a subjective opinion of poster.
Location
Hubbard, Texas
Service
Wells Fargo Loan
Loss
$8000

Wells Fargo failed to adivse me of deposit return

12/18/08 I made a deposit from a check I got from my home insurance. 12/29/08 I noticed the deposit was 'returned' on 12/24/08 and I never was advised of this. This check was for damages caused by a busted water pipe which I had already took 300+ out of the 2k$ check to pay for some repairs. So, now i'm -300+ because of this. The reason, I needed my local branch to sign/authorize it. I would of liked to be informed of this before I took money out of it. It showed to be in my account from 12/18/08 to 12/24/08. It took them 6 days to decide I needed my local branch to authorize it? I called them up and all they said was that, I need them to authorize it. So, I asked how can I do that without having the check because I already deposited it; it has been mailed to you. They better pray it does not get lost in the mail and I get it very soon because I have checks I just mailed off thinking that money was in there. I am really thinking about getting a lawyer and for sure leaving Wells Fargo for this. That is total ***.
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ID
#143462 Review #143462 is a subjective opinion of poster.
Location
Dallas, Texas
Loss
$1

Won't stop calling in spite of my telling them it isn't my account

I have been receiving calls from Wells Fargo for someone who has not had my phone number in over Six years. I have repeatedly told them that this is not her number, that I do not know her, and that they should stop calling, but they persist. I tried calling Wells Fargo and was transferred three different times, then given a different phone number to call. I called the number and was told to call back at a time when I am at work. I am sick and tired of being harassed by *** phone calls for people who haven't had my number for so long.
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4 comments
#317483

I just book marked your blog on Digg and StumbleUpon.I enjoy reading your commentaries.

#293119

I’ve been visiting your blog for a while now and I always find a gem in your new posts. Thanks for sharing.

#48572

The do not call list is a great idea, but it doesn't always work. If Wells Fargo incorrectly has you on their list as a former customer, they have the right to continue to call.

I have the exact same situation with a different company. No matter what I try, they still call. I have finally told them that the person they are calling has passed away, no forwarding address. The number is the same because the husband has remarried.

Another trick ... when they call, ask for their name and number as if you are taking a message. Then when you have it, you do have the indentifying information necessary to bounce it right back to them. The person whose name you have will be more likely to actually add you to THEIR do not call list if you can identify them.

I also tried this. The combination of the two have drastically reduced my interruptions.

#48513

you can add them to your "do not call list" Federal and state, If you go to the do not call web site there are instructions. If they continue you can press charges and collect $$$

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ID
#142664 Review #142664 is a subjective opinion of poster.
Location
Green Bay, Wisconsin

Account closed

wells fargo,,,,,i recently opened a account at the marshall minnesota branch.my account was closed on 12/2/08.iwas told for excessive overdrafts.two of the over drafts were not my fault.a atm said i had a 17.00 negative balance.another said it was 64.00 plus 2 20.00 atm advances cost me 70.00.a fraud check was another overdraft.i knew my account was in trouble.i had a wells fargo account that tryed to direct deposit 1000.00.would not go through.i emailed cheryl stensrud about this,the bank lady that set up account,no responce.this is a unfair closing by the bank.my account was changed,was told to come in on the third to get the remainder.now is on hold for 10 days. please responde to your practices,,,william vanoverbeke
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2 comments
#346911

:upset

wells fargo treated me like i was a criminal

allowed me to withdraw money on a check deposited to opportunity checking only to take the money back (On the same day the individual who wrote me the check then redeposit it three days later closing my account with a two hundred positive balance now saying there was never a returned check have spent hours on the phone each person telling me a different story I don't recommend this bank not even opportunity checking :(

#144400

I wish wells fargo would just GO AWAY.

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ID
#142419 Review #142419 is a subjective opinion of poster.
Location
Saint Louis, Missouri
Product
Wells Fargo Deposit
Loss
$280

Wells fargo is a terrible finance company

wellsfargo harasses you all the time i thought you had a grace period on your payment bu they don't believe in those. I had to be off work and have surgery and asked for an extension on my loan and they refused me because i wasn't working well duh thats why i needed the extension. if i had been working i wouldn't need the extension. i called them and they were rude and hateful. i hate even dealing with them. i would never recommend them to anyone. i wish they would go under and never get bailed out by the government. i cant stand this company.
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ID
#142154 Review #142154 is a subjective opinion of poster.
Location
Camden, Tennessee
Service
Wells Fargo Loan

Treated horrible everytime I spoke with a representative

I dont understand how wells fargo can allow their staff to treat people so terribly. I feel like everytime I talk to them I get in an argument... And for what? Its my credit. If I am 5 days late making a payment I shouldnt be made to feel like I am on trial. I told the rep that I would make the payment online so that I wouldnt add an additional $10 to my already past due account and in so many words he said he didnt believe that I would make it and I might as well just pay the additional $10 over the phone. It is just a horrible way to feel right before my own wedding. I will be putting their number on ignor from now on.
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ID
#142131 Review #142131 is a subjective opinion of poster.
Location
Staten Island, New York
Product
Wells Fargo Account