- Report: #159210
Complaint Review: Wells Fargo Financial - Wells Fargo Acceptance - Chester Pennsylvania
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Wells Fargo Financial - Wells Fargo Acceptance
2501 Seaport Drive Suite BH-300 Chester, 19013 Pennsylvania, U.S.A.
Phone:
407-444-1400
Web:
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Wells Fargo Acceptance - Wells Fargo Financial Rip-Off and Missrepresentation Chester Pennsylvania
Ok, I have been reading some of the stories of other customers who use this lender and I am in COMPLETE AGREEMENT!!! I beleive that this company is not practing by the legal guidelines that other financial institutions do. I have had several loans (all of which are paid off satisfactory)with other financial institutions and I have never been treated the way I have with this company. I can tell you that the people on the other end of the phone could only merely hold maybe a high school diploma and have in no way shape or form any customer relations expierence and/or training. I recently bought a 2004 Jeep Liberty that I financed through them. You hear the words "Wells Fargo" and you beleive that you are in good hands. WELL THINK AGAIN MY FRIENDS.......
Just last month my uncle had unplanned tripple artery bipass surgery and I had to fly to San Diego to be with my mother by his side. Now being a single mother we don't just have $400.00 to throw out there for a last minute plane ticket. In going to my family emergency my car payment fell 30 days behind. In trying to be the responsible person and call the lender right away and explain my situation they were all but understanding. I asked if I could either get and extension or move one payment to the end of the loan. Well family hardship and a family emergency did not qualify for that. "What" I told the lady, "Are you telling me that I am not eligible for this", she said "No". So I asked her "Excatly what are the requirements for an extension" and she told me that they don't discuss those issues. I said "Excuse me... I am your customer with an account with your institution and you can't answer me about my account that I am paying on" She said "No". I will tell you that I have also had very horrible calls to my workplace and after telling the woman on the other end of the phone that she could call me at home and I would be more than willing to discuss this with her, she continued to call me at my work place for over 2 hours that day probably about every 20 minutes.
Now tell me how that is right? Tell me why I am being treated like a criminal for my payment being late only 30 days?? I have had people from this company and tell me that they were coming to pick up my car in 1 hour and to find a ride home.....again...all for 30 days late?
I finally called back in tears and hysterical telling the woman that their collections dept was unbearable and I could see if I was 90 days behind them being like this...but once again for only 30 days? She explained to me that they would not take my car and made arrangements with me. Do you know that same woman from the Orlando office called me later that night and told me that those arrangements are no good and she is in charge. I told her that I have arrangements and those are the ones I am sticking to no matter what she says. I finally told the woman "Look, you can sit here and say what you want but you are waisting your time and I am not going to do anything for you, I have made arrangements" She very loudly and rudely (won't tell you the cuss words she used) said that I better enjoy my last couple of days with the car and they were coming to get it.
I can only tell anyone that may happen to read this if you are ever looking to use this bank DO NOT!!!!!! Not only has this been completely embarassing to me at home but at work and like I said before.......ALL FOR 30 DAYS!!!!
Kristin
Riverview, Florida
U.S.A.
Just last month my uncle had unplanned tripple artery bipass surgery and I had to fly to San Diego to be with my mother by his side. Now being a single mother we don't just have $400.00 to throw out there for a last minute plane ticket. In going to my family emergency my car payment fell 30 days behind. In trying to be the responsible person and call the lender right away and explain my situation they were all but understanding. I asked if I could either get and extension or move one payment to the end of the loan. Well family hardship and a family emergency did not qualify for that. "What" I told the lady, "Are you telling me that I am not eligible for this", she said "No". So I asked her "Excatly what are the requirements for an extension" and she told me that they don't discuss those issues. I said "Excuse me... I am your customer with an account with your institution and you can't answer me about my account that I am paying on" She said "No". I will tell you that I have also had very horrible calls to my workplace and after telling the woman on the other end of the phone that she could call me at home and I would be more than willing to discuss this with her, she continued to call me at my work place for over 2 hours that day probably about every 20 minutes.
Now tell me how that is right? Tell me why I am being treated like a criminal for my payment being late only 30 days?? I have had people from this company and tell me that they were coming to pick up my car in 1 hour and to find a ride home.....again...all for 30 days late?
I finally called back in tears and hysterical telling the woman that their collections dept was unbearable and I could see if I was 90 days behind them being like this...but once again for only 30 days? She explained to me that they would not take my car and made arrangements with me. Do you know that same woman from the Orlando office called me later that night and told me that those arrangements are no good and she is in charge. I told her that I have arrangements and those are the ones I am sticking to no matter what she says. I finally told the woman "Look, you can sit here and say what you want but you are waisting your time and I am not going to do anything for you, I have made arrangements" She very loudly and rudely (won't tell you the cuss words she used) said that I better enjoy my last couple of days with the car and they were coming to get it.
I can only tell anyone that may happen to read this if you are ever looking to use this bank DO NOT!!!!!! Not only has this been completely embarassing to me at home but at work and like I said before.......ALL FOR 30 DAYS!!!!
Kristin
Riverview, Florida
U.S.A.
5 Updates & Rebuttals
Jennifer
Paris,Kentucky,
U.S.A.
collections act
#2Consumer Suggestion
Tue, June 06, 2006
FDCPA has restrictions. look into it as well. They have no right to contact you at work if you clearly told them not to. secondly they are not allowed to call you right back either. I highly recommend checking into it personally, hope this helps. I have a copy of it as well. I am a bad check collector and I have guidlines to follow. Prob different (but not too much) for different types of collections. CHECK INTO IT...maybe sue them lol good luck
Aafes
Viernheim,Europe,
U.S.A.
Get the loan current, and refinance with a credit union.
#3Consumer Comment
Sat, June 03, 2006
Tammy's post is right on the money Get the loan current, and refinance with a credit union. At a credit union you are treated as a part owner and not a collection account. You did the correct thing by calling. What occurred is once you spoke with them about missing the payment your account was probably "red flagged" and went to collections. Once in collections, the person you speak to on the phone cares about one thing. Getting a payment. Collectors normally work on salary plus commission on every account they collect on. They have heard every story known to man, so aren't receptive to a real crisis. The way they treated you was appalling. It won't change, so you are better off getting this account refinanced and away from them.
Tammy
Quincy,Massachusetts,
U.S.A.
FDCPA
#4Consumer Comment
Sat, June 03, 2006
I need to comment a couple of things.. First if you called and explained the situation the company should have been understanding and allowed you the time you needed. You are in default if you are 1 day late. You sign a contract to pay on a specific date. There are no exceptions in your contract that allow you to pay late if there are family emergencies etc.. The FDCPA only applies to 3rd party collectors, not for institutions who collect their own past due loans. As a collections supervisor for a credit union (we collect our own debt) I would have given you the time you needed, You did the right thing by calling Get your loan current and refinance it with a credit union!!! Good Luck
Christian
Tampa,Florida,
U.S.A.
Are you serious?
#5Consumer Comment
Fri, June 02, 2006
Ray...Come on now, you can't be serious. This company violates a couple of laws (fair dept collection) and the best you can come up with is use better language?
Ray
Parkton,Maryland,
U.S.A.
You're right, you shouldn't be treated like that
#6UPDATE Employee
Thu, February 09, 2006
I have one issue with your complaint though. Do yourself a favor and refrain from saying "It's only 30 days late." This may seem logical to you, but please remember, 31 days past due is technically defaulting on your contract, and technically can result in repossession of your vehicle. Of course, WFFA is not in the business of repossessing cars and it is highly unlikely that your vehicle would be reposessed for the 1st instance of 31 dpd. Just use better wording.
