I have a car loan with WF and owe 3063 and some change. When I got the loan I was making double what I do now and making my payments were easy. Over the last two years, I fell on hard times (haven’t we all) and called the company to ask for help and to see what my options are/were. I was told I could put in an offer to settle below what I owed if I could prove I wasn’t making what I was when I originally purchased the car. I gave them an offer and they accepted. I was told that I would have the paperwork faxed to me and that I was the proud owner of my car!!!
The next day (original call was a Tuesday), I got a call from a different person saying I still owed 900 bucks and that my car was in repo. When I told them I had spoken with (Moron’s Name witheld) *** and that we were settling the account, I was sent to a manager and told that Moron, didn’t have that authority and that basically for 2 days I was lied to. When I lost my cool and reiterated my entire 2 day ordeal, I was told in no certain terms too bad, so sad. Has anyone else had horrible experiences with this company? I cannot imagine that I am the only one that has had problems. For two weeks they called me 12-15 times a day, and actually called my job and demanded that I speak with them, because I had stopped answering my home phone. When I told them I could get fired for getting personal calls they told me “well, we’d stop bugging you if you would pay us.” I understand they are in business to make money but to be degraded and belittled is very upsetting and to be sent to repo for no good reason, seems a bit extreme.
I was screening them, I have 10 different numbers saved in my phonebook for them. Because I didn’t pick up my phone anymore, they called my work, they are crazy.
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I certainly hope you kept a record of whom you spoke with at WF and what days, etc., and copies of any correspondence. If it was me, I’d start writing emails and making phone calls to WF personnel. Start with the people you spoke with and continue up the food chain until you reach someone with the authority to verify the deal. The next time the collector calls you get their name, phone number, and ask to speak with a supervisor. Ask if they work for WF or if they are an outside collection agency. Now, it is against the law for them to contact your employer. If they call you at your place of employment again tell them you are going to report them to the proper authorities. Collectors are not allowed to bully or threaten you. They cannot call friends or relatives and they may not divulge any information to anyone but you, except a credit reporting agency. If you don’t want to speak with them get caller ID and/or a answering machine and start screening your calls.