Update by user Feb 25, 2013
Interesting. Anyway update since I was angry when I wrote this and it doesn't make a lot of sense.
I was out of work for 10 months prior to missing the payments at the end of 2012. It was not a choice and its sad that people automatically, people like Wells Fargo Dealer Services, assume that you are a deadbeat. I had a great job till the economy caught up with my family.
Subsequently I got back into consulting and found a great client who paid for me to handle their overseas operation - in other words I don't have the money to travel overseas, I was sent by a company that footed the bill.
As far as the deadbeat dad comment - uncalled for. To assume that people are divorced, and doesn't make payments because they were down on their luck for a while seems extreme. Besides I am sure the comment was made by a person who would pay their car note before feeding their children - isn't that the natural order of things?
Anyway both the Attorney General and FTC took the complaint seriously. Wells Fargo has been contacted and I got a call from their executive offices to resolve the issues. Subsequently since my client paid me I am caught up on my car payment and will find a different place to move my loan to. People here might think this is a bullsh*t complaint but it is a harassment of consumers and a Nazi like wielding of power that has caused this country to be trillions of dollars in debt.
Hopefully the angry commentators on this posting never lose a job, get behind on payments, or have to be one of the 600 plus people who have been treated atrociously by the people at this company.
Original review posted by user Feb 19, 2013
I have a car loan through Wells Fargo Dealer Services. For the last several months I went through a period of struggles and was not able to make the note on time. I got about 60 days behind in November so they sent someone out to repossess the vehicle. I was not home at the time and a phone call to them got me the balance due. I paid two months payments. I then made the payment in December just fine. In January I was travelling and did not make the payment. The payment is due on the 24th of each month. By February 5th they started calling 3 - 4 times per day. Since I was travelling I did not respond and by the 10th they had escalated to calling my family, friends, and extended family - anyone they could get hold of. Today a former employee called and told me that "Glenda" from Wells Fargo Dealer Services called about my car loan. Today was also the first day that Glenda left me a voice mail. I called her back immediately and let her know I would make the payment by the 24th.
She informed me that payments for both January and February were due immediately and I better make arrangements to pay tonight. I asked her if I was 30 days past due. She said "That's not the point". Again what the due date was for the payment, she said "The 24th but that is not the point, you are going to make both payments tonight". I informed her that I would pay by the 24th to which she responded that that was not good enough, I would (emphasis) pay right now.
She then asked why I was late - I informed her that I was out of the country and she replied "thats not my problem", She then proceeded to get very abrasive and snarled at me that I would make the payment right now or else she would call the loan and it would go up for further review.
By this time I was angry and informed her that under the consumer protection act 30 days had not passed and her actions of calling my friends and family amounted to harassment to which she replied "I can call whoever I want". Again I repeated that I would pay by the 24th - again she informed that she was not willing to accept that and I would pay now.
She said "You have money, you shouldn't be in collections" - to which I again reminded her that I was not even 30 days past due. She stated repeatedly that that had no relevance and that unless I made a payment this second she was going to refer the account for "further review" - and that she would get the loan called.
I have no problem paying this immediately and making a second payment between now and the 24th, as a consultant I often have to wait for a client to pay and they are slightly slow this month. The aggressive, vicious and malicious tone taken by Wells Fargo Dealer Services to "collect" on something that isn't even 30 days past due - the calling of friends and family on something that again, is not even 30 days late is excessive and consumers have to have some kind of protection against this kind of threatening, vicious behavior.
At the end of the conversation, I confess to getting very angry and calling "Glenda" several obscene names after she haggled and pushed every button in my being. I am a very patient person but this harassment has got to be addressed.
Shortly there after “Tim” or “Tom” claiming to be a supervisor called back and repeated the threats, telling me to “go ahead and waste my time and money complaining to the attorney general, since that has nothing to do with me paying my bill – right now”. He later said I had till the 24th to pay it or he would send out his repo crews. Tim, Tom, or whatever his name is got increasingly angry and eventually slammed the phone down on me. What a shame and a black mark on Wells Fargo.