Wells Fargo tried to pull a scam on me too. First, they never sent my payment notice claiming they didnt have me in the system, even after calling them 3 times and giving them all info including address, phone number, social security number ect. Well 1 day after my payment was due, still with no known address to send the payment too, WF starts ringing my phone off the hook at work and my home. When I finally get the payment statement, I sent what I agreed to without their late fee. To them this constituted that I didnt pay on time and from there the pyramid scheme started, until my payment finally reached over $600.00 a month because of non payment of their late fee. I made the payments that I signed a contract to make until their non customer service decided to jack them so high and refused to remove that first late charge I finally said F__K IT! "You're gonna eat this car" and was more than happy to see the repo man and took him to the vehicle. This messed up my credit, and since I have bought 3 vehicles (Cash). They tried to take this to court using a local lawyer, but when I told the judge what they did, the lawyer stopped the trial, and spoke with me outside. (They never got their damn judgement, and WON'T.) Also if you anything like this happen report it to the BBB and keep a record, I did : )... and it sure came in handy. Couldn't never get my credit rating back up but that's just a matter of time knowing not to deal with Wells Fargo anymore. I'm sure that bailout money from my taxes covered their butts on my vehicle.

"but what you are failing to realize is that people find themselves in unfortunate situations. "

One can understand this and disregard it is irrelevant at the same time, which it is.

Wells Fargo tried to pull a scam on me too. First, they never sent my payment notice claiming they didnt have me in the system, even after calling them 3 times and giving them all info including address, phone number, social security number ect. Well 1 day after my payment was due, still with no known address to send the payment too, WF starts ringing my phone off the hook at work and my home. When I finally get the payment statement, I sent what I agreed to without their late fee. To them this constituted that I didnt pay on time and from there the pyramid scheme started, until my payment finally reached over $600.00 a month because of non payment of their late fee. I made the payments that I signed a contract to make until their non customer service decided to jack them so high and refused to remove that first late charge I finally said F__K IT! You're gonna eat this car and was more than happy to see the repo man and took him to the vehicle. This messed up my credit, and since I have bought 3 vehicles (Cash). They tried to take this to court using a local lawyer, but when I told the judge what they did, the lawyer stopped the trial, and spoke with me outside. (They never got their damn judgement, and WONT.) Also if you anything like this happen report it to the BBB and keep a record, I did : )... and it sure came in handy. Couldn't never get my credit rating back up but that's just a matter of time knowing not to deal with Wells Fargo anymore. I'm sure that bailout money from my taxes covered their butts on my vehicle.

Toyota Fan, kind of harsh...wow. Not sure who you are responding to, but what you are failing to realize is that people find themselves in unfortunate situations. Perfect example, I am sure you have the answer to all of the homeless post-war vets. What just kill them all? You conclude with a reference to God in a very devilish manner...if you are a true God-fearing person and a Christian, then you would have a more non-judgmental attitude..."Judge not, and ye shall not be judged: condemn not, and ye shall not be condemned: forgive, and ye shall be forgiven" (Luke 6:37)...just food for thought before you include "God" in your verbiage.

PS...Toyota Fan, you might want to re-read what you respond to. I never said having to pay was unacceptable. I am more than willing to pay what I owe including recovery costs. Re-reading before responding helps prevent the statement..."an empty wagon makes the most noise."

Having to pay what you owe us unacceptable??? Wow! I love how those who make bad life choices blame others for their decisions to justify not paying in full what they signed on a contract . They cry like 2 year old little girls, oh, this happened, whaa, whaaa, whaaaa. Oh, that happened, whaa, whaaa, whaaaa. You're a big meanie for not letting me be a deadbeat and not pay my debt. How low can one go?
I hope to God that these people don't reproduce to further spread their selfish, childish, DNA to further pollute the gene pool.

After being laid off, I filed for bankruptcy, but opted to keep my vehicle as I was up on the payments. This morning I awakened to my husband telling me that either my Toyota truck had been stolen or repossessed. After being transferred to several different numbers to only find out that the people I needed to speak with would not be in the office until 8am (PST), I called my local police department since I am in the EST time zone. It was confirmed that it had indeed been repossessed. My problem is not that I could not make the payments, but that I do not receive monthly statements regarding my account. After calling during normal business hours, I was told once your account is under the bankruptcy umbrella, you no longer receive statements. Okay, strike one. If this is the case, then why during 2011 did I receive approximately 4 out of the year? Of course, the rep did not have an answer for this mishap. With them having all of my information from home address, mailing address, home phone and even email, no one attempted to contact me. Strike two. Now I have to wait until Monday in order to find out the total cost of my vehicle plus recovery costs because I cannot go back on a monthly payment plan. This amount I will need to have within 20 days. Strike three. Now that my bankruptcy has been discharged, they were very clear in letting me know that if I do not pay the costs, I will be held liable. This is completely unacceptable and should not be the case. This situation would not exist if it were not for their complete disregard for and lack of communication. I am not sure who I need to contact, but it will not end here.

Wells Fargo (i call it Wells Fu@@o) did the same thing to me! I am an emergency room RN of 30 years. I got injured, and short term disability became long term disability, and finally SSDI. Long story short, i got behind 2 months on my (on time, every time) payment, but keep in contact with Wells F@@ko about my situation. I told them i only needed 10 days to get caught up on payment, and would not be late again. They agreed with this. 3 days later, a tow truck shows up, and driver said Wells F@@ko sent him. I went and got the keys, bag, and a screwdriver. Threw my belongings in the bag, took my tags off, then opened the garage door, and handed the driver the keys. I told him to have a nice day, and go tell Wells F@@ko to go F@@k themselves sideways, Then waived buh, bye in my pretty red leg cast from the front porch. I have, and will never pay then a friggin dime on that vehicle. They screwed me, now they are gonna get screwed rite back! Cant wait till they go under! I would never do business with them, for any reason again! I would not even do CPR on them, just stand there and watch them die! Liars!