I have an auto loan for this POS I bought in Kentucky before I PCSed to California with the Army. I have paid on time, everytime, until I initiated a Voluntary Repossess.
So after it's in voluntary repossess, they draft 2 extra payments through my bank's webbillpay (actually my fault, as I didnt know the payments were slotted) but the problem is, Wells Fargo took both payments, and wouldnt give them back. After spending all of my daytime minutes being transferred and disconnected, I'm told, "If you are going to have this voluntarily repossessed, we aren't going to refund the last payment". Verbatim.
This is the week before Christmas mind you, and I have $.37 in the bank because of it. I said, "Ok, I take back the voluntary repossess." just because I really need that money.
Again and again I tried. Finally after being told it was being handled by her manager, and he was out sick, I called a different department, and low and behold, this guy said "oh man, we gotta fix that." Told me right there after 5 mins exactly what was missing from my bank's fax to them regarding the payment, and then hand carried it to refunds with me on the phone. He tried to overnight it to me, get it wired back into my account, everything he could, but it has to be a cashier's check via snail mail. I thanked him and hung up.
I have been in my barracks room eating army chow for 2 weeks because of this. Cancelled Christmas plans, all of it. The point is, if this guy, who isn't a manager can get the payment at least sent out in 20 minutes, why did I call every day for a week, and actually accept an ultimatum from this bank?!

I could tell you I'm furious. I won't. I'll say this;
I have filed chapter 7 bankruptcy, which will be completed on the 1st. (The reason I tried to have it voluntarily repossessed before) Wells Fargo doesn't know that. They also don't know it's out of gas and the battery is dead, and that they are gonna have a hell of a time getting a tow truck on this base (LOL!). I will cost them close to what it brings in when they auction it. And the best part is, after I cash the refund check, I'm going to call them and explain it all. Enjoy your new Kia Wells Fargo, because I'm going to enjoy watching you spend money trying to get it back