Complaint Review: WELLS FARGO FINANCING & QBE AUTO INSURANCE

WELLS FARGO FINANCING & QBE AUTO INSURANCE. I HAD BOUGHT THIS VEHICLE FOR MY WIFE TO TAKE ME TO MY DR APPTS. APPROX. SEPTEMBER OF 2014

I BOUGHT CAR IN NEWPORT BEACH, CA. FROM AN AD IN CRAIGSLIST.COM...I HAD SEEN IT FOR 5 MIN AND WAS NOT ABLE TEST DRIVE IT, BUT THE SELLER DROVE IT ON A STRAIGHT LINE FOR APPROX. 1/3 MILE WHILE I WAS A PASSENGER. HE STATED THERE WAS A LOT OF INTEREST IN THE CAR BECAUSE IT WAS RARE?

SINCE IT WAS LATE & I FELT THAT I WAS RUSHED TO SIGN ALL THESE CONFUSING DOCUMENTS. I WAS A LITTLE SLOW TO COMPREHEND THE DOCUMENTS I WAS SIGNING, DUE TO MY DISABILITY, BUT IT SIGNED ANYWAYS BECAUSE THEY WERE CLOSING.

REGISTRATION IS IN MY NAME & I HAD A DRIVERS LICENSE AT THE TIME OF PURCHASE, BUT HAD MY DRIVER LICENSE IS TEMP. SUSPENDED APPROX. 05/15, DUE TO UNABILITY PROVIDE MY MEDICAL DRIVER SAFETY AUTHORIZATION IN TIME.

I THEN MOVED, BECAUSE OF DISTANCE TO DR APPTS. I LEFT CAR WITH MY EX WIFE AND CONT. TO PAY ADEQUATE ADDITIONAL INSURANCE IN HER NAME, EVEN IF HER INSURANCE COMPANY REP. STATED THAT:

" YOU CAN DRIVE BORROW, RENT ANY CAR, SINCE YOU HAVE FULL COVERAGE ON YOUR OWN VEHICLE, INCLUDING COMP/COLLISON/UNINSURED/ETC... IN YOUR OWN AUTO INSURANCE POLICY "

I THEN NOTIFIED WELLS FARGO R/T ABOVE & TO APPLY HER NAME TO TITLE VIA TELEPHONE & PERMISSION FOR HER TO CALL ON MY BEHALFATANYTIME, BECAUSE I'M FREQUENTLY ILL, I'M EITHER IN HOSPITAL OR I AM NOT FEELING WELL TO TALK LOGICALLY.

ALSO, I WILL BE MAKING PAYMENTS DIRECTLY INTO A WELLS FARGO BRANCH OR MAIL PAYMENTS, DUE TO RECENT IDENTITY THEFT. THE REP. STATED " IT WAS FINE, THEY WILL TAKE CARE OF IT & WILL BE NOTED IN MY ACCT & I WILL BE RECIEVING STATEMENTS & CONVERSATION IN THE MAIL ". SO, THOUGHT IT WAS AGREED & RECEIVED, NOTHING BY MAIL.

I CONT. TO MAKE AUTO PAYMENTS ON TIME IN THE BANK, AND LOW AND BEHOLD, " CAR WAS REPOSSED IN APPROX. OF JULY 2015, BECAUSE, THEY STATED " THEIR COMPUTER SHOWED THAT I HAVEN'T MADE PAYMENTS IN 3MO. AND I WAS PROVIDED INSURANCE FROM THEIR AFFILIATE INSURANCE COMPANY QBE

I WAS NEVER NOTIFIED OF THIS VIA PHONE, CELL, MAIL ETC... AND DUE TO MY DISABILITY. I JUST PAID THE REPO COMPANY & THEIR INSURANCE WITHIN A WEEK, AFTER BEING HOSPITALIZED. APPROX. $1200.

SO, MY WIFES INSURANCE WAS PROVIDED & I WAS ABLE TO OBTAIN POSSESSION. I DON'T UNDERSTAND WHY THEY ACCEPTED IT WHEN IT WAS IN REPOSSESSION & NOT IN COMPUTER RECORDS, NOR ANY COMMUNICATION AT WELLS FARGO???...I WAS UPSET BECAUSE EVEN WHEN I WAS AT THE REPO YARD, THE CAR WOULD'NT START, MY REMOTE OEM KEY DIDN'T UNLOCK DOOR LOCKS, SOME IMPORTANT INTERIOR WARNING SPEEDOMETER LIGHTS WERE NOT WORKING, EXCEPT 1, WHEN BRAKES WERE APPLIED, THE WARNING LIGHT COMES ON FREQUENTLY, BRAKES MAKE A LOUD SQREECHING SOUND, AND THOSE BRAKES 4 ROTORS & 4 NEW BRAKE PADS ARE NEW, 2 FLAT TIRES, FRONT LEFT & REAR.

I ASSUME DUE TO CAR REPOSSESSION DAMAGES BY MOVING THE CAR SIDE FROM THE DRIVERS SIDE, BECAUSE ANOTHER TENANTS CAR WAS BEHIND IT & A GARAGE IN FRONT OF IT, FORCING MOVEMENT SIDEWAYS MAKING THE CAR NOW OUT OF ALIGNMENT OUT OF POSITION, WHEELS BENT & TIRES CANNOT HOLD PRESSURE. RT SIDE POWER MIRRORS INOPERABLE, SO IT WOULD HAVE TO BE MANUALLLY POSITIONED, BUT IT STILL IS NOT SAFE FOR BLIND SPOTS BECAUSE OF USING HAND TO POSITION IT FREQUENTLY WHEN DRIVING. THEN CAR OVERHEATS, BECAUSE WHEN I LIFTED THE HOOD, I SAW THE RADIATOR COOLANT RESERVE CONTAINER ON TOP OF THE ENGINE & HAD TO NON-OP CAR. ALL THIS WAS NOT NOTICEABLE WHEN IT WAS DRIVEN OUT OF REPO LOT. AND AGAIN, SINCE BEING RUSHED BECAUSE OF OTHER REPO'ED CARS BEHIND US, WE HAD TO SIGN QUICK.

CAR WAS STILL INSURED WHILE ON NON-OP STATUS.

LATER, IN THE WEEK AN QBE INSURANCE CO HAS CALLED ME R/T A CLAIM I HAVE MADE & DIDN'T KNOW WHAT THEY WERE TALKING ABOUT???..I SAID I NEVER MADE A CLAIM & WAS NEVER CALLED BACK.

LAST MONTH, APRIL 06, FINALLY I HAD MOST REPAIRS DONE, INCLUDING NEW WHEELS & TIRES TO VEHICLE, BUT NOT ORIGINAL, BECAUSE OF ORIGINALS COST MORE.

RE-REGISTERED THE CAR. AFTER THE NON OP STATUS & INSURANCE POLICY WAS E-MAILED, FAX'ED, SENT BY MAIL, COMMUNICATED WITH THEM VIA TELEPHONE FROM INSURANCE COMPANY OFFICE REPRESENTATIVE...MULTIPLY TIMES AND WELLS FARGO & QBE CONTINUES TO STATE THAT THEY NEVER RECEIVED PROOF OF INSURANCE. I'M THINKING " HOW CAN YOU REGISTER A VEHICLE WITHOUT INSURANCE"

THEN, LAST WEEK I HAD HEARD A REPO MAN WAS LOOKING FOR THE CAR?. AGAIN CALLS HAVE BEEN MADE, TO RECTIFY SITUATION, BUT I WAS NOT ABLE TO TALK. I HAD MY WIFE CALL & THEY WOULD NOT ENTERTAIN HER.

AS OF TODAY, I'M MENTALLY EXHAUSTED & MY DISABILITY HAS WORSENED. I HAVE BEEN UNDER MEDICAL SUPERVISION. I HAVE TO MY DOCTOR EVERY MO. FOR NEW MEDICATIONS HAVE BEEN PRESCRIBED, ALONG WITH ADDITIONAL MED DOSAGE ADJUSTMENTS INCLUDING MORE HEALTH PROFESSIONALS TO HELP COPE WITH THIS. I WAS FEELING BETTER BEFORE & WAS ON MY WAY TO GETTING OUT OF DISABILITY, WHERE THIS SITUATION HAS JUST MADE ME MORE DISABLED THEN EVER.

MY FAMILY IS HARASSED DAILY BY CALLS FROM WELLS FARGO OR QBE. THAT, I CAN'T BE AROUND MY OWN FAMILY...CAN YOU PLEASE HELP OR GIVE ANY ADVISE TO THIS MATTER. ATTACHED IS A CLASS ACTION LAWSUIT & A SIMULAR SITUATION

IN CONCLUSION, BOTH WELLS FARGO & QBE INSURANCE CONTINUE TO BE IN COLLUSION IN PREDATORY SELLING, VIOLATING THE CONSUMER PROTECTION ACT & DISABILITY (PAIMI) Act.

I HAVE EVERY PAYMENT MADE, DEALER CONTRACT, INSURANCE, MEDICAL VISITS, EVERYTHING & CAR IS ONLY WORTH $5000. " THE REPRESENTIVE SAID, WE ARE ONLY PROTECTING OUR INVESTMENT??? " ...$2500?... NEVER PUT EVEN 1000MILES IF THAT ON THE CAR. THIS IS THE WORST BUYING EXPERIENCE EVER & IN ADDITION, MY CREDIT IS RUINED.

FINALLY, AT THIS POINT IN DON'T KNOW WHO'S DISABLED ME OR WELLS FARGO & QBE???...THEIR MISSION STATEMENT DOES'NT REFLECT THEIR BUSINESS PRACTICES.