Complaint Review: Wachovia Dealer Services Wachovia Bank N.A.

I purchased a car and Wachovia Dealer Services picked up my loan. For 3 years the amount due was auto-deducted from my checking account, no issues. Then I had to change my bank account information and that is when things got interesting. This "branch" of Wachovia did not offer payments online and it took a day just to find the correct customer service number to call. When I finally got the right folks on the phone to make a payment and change the account information, they said that they were charging me a $25 late fee plus an "over the phone payment fee." I told them that the month prior my payment had deducted on this day but they said that was because it was a weekend and therefore the payment date had changed. They wouldn't budge on the late charge (according to them I was ONE day late on payment and that was the policy). That put a bad taste in my mouth.

Fast forward to a few months after when I had a family emergency and had to be a few weeks late with payment (the first time really late in over 3 years). In fact, I had been such a good customer that I had even made a few extra payments and therefore was only late for $160. After a few days of being late I started receiving "payment due" notices in the mail. Then after a couple more days they started calling my home phone 10-13 times a day and being quite rude in their communications, saying things like, "When you miss a payment date the calls from us start." I had told them that I knew that I was late and would make the new payment due by the next due date according to my new statement received. The "customer service" lady kept going on and on with sarcastic rudeness and I eventually had to hang up on her. They kept calling 10-13 times a day...

I have an outstanding credit rating and that was the first time I was really late on a payment to them in over three years and I was treated very poorly after being a good customer. As I had stated to them on the phone, I paid what was due, late fees included, BEFORE my next payment was due (as listed on my new statement received). Now that the harassing calls have stopped I have made it my mission to find another provider that I can transfer this account to so that Wachovia Dealer stops making money off of me. I will never use their services again. Buyer beware! These guys are rude and will harass you very quickly!! Also, what loan provider doesn't offer an option to conveniently pay online?

My advice - stay far, far away, they treat their long-time customers like garbage, esp. during emergencies when that's the last thing you need to add to your stress.

Anonymous, Wachovia customer (soon to be previous)
Indianapolis, Indiana
U.S.A.