When Wells-Fargo took over Wachovia I noticed harassment. Being recently unemployed and deciding to pursue full time college, I missed a single payment.
I then made every payment since then, and was attempting to catch up the debt. I owed them all of $259 of back debt, most of which being late fees they would tack on when my payment was even one day late. I thought I was paying over the monthly amount and catching up the debt since the last bill I had gotten from wachovia before I missed a payment had my amount changed to $146, and I was paying them at least $150 (not a lot more, but a start).
When I was close to being able to give them all the extra debt they came and took the car and threatened to sue me over the remaining amount. Now they will not give me the car unless I pay the full $4200 loan.
When I called to ask them about the extra amount I was paying to catch it up, they denied that Wachovia had ever sent me any lowered payments, despite having them in hand. And called me a liar when I asked what they were then.
They also called me "apparently unworthy of the car" for being unemployed. They also then called other members of my family liars when they took the phone from me when I was obviously and rightly upset.
Review about: Wells Fargo Loan.