Complaint Review: Wells Fargo Auto Finance

He is employed by a company that is employed by Wells-Fargo. He is paid to troll the internet cyber bullying people with genuine complaints against his mother companies. Just ignore him. Everyone else does.

In the first posting you said...and I quote..."there have been occasions where I fall behind on payments".  Then in your rebuttle, you asked if you ever said you were ever late.   Where do you some of you females get this idea you are so clever, you can say anything and nobody will catch the discrepancies in your "stories"???  Lies and smokescreens don't work here.  Many of us, thru education, experience, professional background and other factors can very easily see thru the tactics and smokescreens of others.  There is no one lower than a liar.  If you have a terrible payment record coupled with failure to provide proof of insurance, then yes they are going to be calling you, calling references and reminding you of what a REPO is.  You put down references on the credit application so they can do SKIP TRACING...in case you won't live according to the terms of the contract which YOU ageed to, of which providing PROOF OF INSURANCE is one!  Did you actually think they asked for those references to enhance their Christmas card list?  If you read your contract, you would see failure to provide full coverage insurance is grounds for a repo.  Therefore, a prudent person would be ABSOLUTELY POSITIVE they have received proof of insurance from the insurance company by calling the lender and VERIFYING such proof of insurance is indeed in their files.  You claim they called you saying you need to come up with additional money.  Did you ask for a reason?  Did you???  The picture you are trying to paint here is you have been a stellar customer and out of the clear blue sky they are strong arming you for more money with no explanation!  Only some deadbeat welfare type would believe that!  What is the truth?

No, I had full coverage insurance on it. The problem began when we switched insurance companies. There was no lapse, but WF kept charging us for their insurance and included it as part of our car payment without giving us any notification and they refused to give us statements. In Colorado (where I live) it is against the law for them to do that. We eventually got tired of the the BS and payed off the vehicle. And to Jim in Orlando, did I ever state I was late on payments??? Wells Fargo was charging $200 extra a month for insurance that we did not need because we already had insurance. We had been making our normal payments not knowing that we were being charged for insurance. And FYI Mr. Self Righteous, it is against federal law for ANY creditor to speak with ANYONE in detail about your accounts without permission. I never gave Wells Fargo permission to speak with anyone other that my husband regarding the details of my account. Wells Fargo apparently considers themselves above the law and harassed my family members giving specific information about our account to them. Perhaps you should have ALL of the facts before you spew off a response, Jim.

That happened to me a very long time ago. The insurance company I had wasn't full coverage and the loan company wouldn't accept it, so they tacked it on, not letting me know at first. I quickly (next day) got the full coverage and hounded the loan company day and night to make sure they got the change. I wouldn't have let it draw on for so long.

I assume it's now in repo status due to you not following up immediately and not paying the full amount. Sometimes no news is not good news. This goes for all loan companies. Stay on top of them before it get's out of hand.

Hello. I am a Legal Apprentice at a New York law firm, and I am responding to posts made by Wells Fargo auto customers who have been charged for Collateral Protection Insurance or CPI. Our law firm is currently investigating this type of conduct. Please contact me at your earliest convenience to discuss your experience. My email is jamie.song@balestriere.net

They are calling others because YOU aren't making your payments on time.  They bought insurance because YOU apparently allowed your insurance to lapse. 

Exactly what is customer service in your view?  Allowing you to not make your payments on time?

You can write to anybody you want.  I'm sure they'll get a few laughs.  YOU signed a contract where WFC agreed to finance your car purchase and YOU agreed to make each and every payment on time and keep the vehicle insured with full coverage.  YOU are not living up to YOUR end of that contract.  As such, collections efforts began and they purchased insurance to protect the car and are passing along that cost to you.

How do you stop "these people".  You pay on time!