Complaint Review: WELLS FARGO FINANCIAL / WELLS FARGO AUTO FINANCE - Internet

I had a car accident back in January and my car was financed through Wells Fargo Auto Finance.  Unfortunately, I had no gap protection on this car, and insurance companies being what they are, they didn't cover the entire amount that I still owed on the vehicle.  After the insurance payment was made, there was a more than $2,000 balance remaining on the loan.

I was told by a Wells Fargo Financial representative that once the large payment was made by the insurance company, it would buy me some time to figure out what to do about the remaining balance of the loan.  It would supposedly "defer" the payments for a few months.  Apparently that was total B.S. because Wells Fargo started reporting delinquent payments to the credit bureau and supposedly sending me letters, which I never received. 

So I called them in May or June to try to figure this out, and the woman I spoke to was in the "collections" department, and she's giving me a hard time demanding to know why I can't make three car payments a month.  She yelled at me that she's a single mom and yet is still able to make all her payments on time.  Good for her, I'm sure she wasn't paying for three vehicles.  My car payments were totaling almost $1,000 a month.  There was no way we could sustain making that type of payment for very long.  She wanted me to pay $200 every two weeks until I was caught up.  Yeah, I agreed to it to get her off the phone and then I contacted the branch of Wells Fargo Financial in Allentown. 

They put me in touch with the Total Loss Department and I was basically assigned a representative.  I started out making the normal monthly payments and then began to run out of money every month.  We couldn't even afford to buy food on a regular basis.  So I contacted this woman with the Total Loss Department and let her know I could no longer continue to make these payments.  At this time, the loan was paid down to $2,500 and still earning interest believe it or not.  I asked her if there was any way we could just settle this account for a lesser amount. She came back on the phone and said yes, for 80% of the remaining balance which worked out to be $1,900.  I couldn't believe it!  They wanted almost $2,000 from me in one month.  I told her I couldn't afford three car payments, and they expect me to come up with a huge lump sum of money like that!

Long story short, I borrowed $1,000 against my pay at work and sent that to them.  So now I'm losing money every two weeks out of my pay when I don't even make that much to begin with.  Then my husband was hospitalized for three days and had to take unpaid time off.  I couldn't get them anymore money, and I called this woman several times and left her  several messages that I could not give them anymore money.  She never got back to me.  My settlement was denied, without anyone even telling me, and my loan was put back in general population which allows them to call me 8-10 times a day from a bunch of different numbers. This woman from Total Loss still has not contacted me.

This bank is unbelievable!  One of the largest banks in the country, and they can't work with me on $1,400.  Rest assured that I will never get a loan with them AGAIN and I would discourage anyone from doing the same.