# Wells Fargo Forced Unwanted Auto Insurance on Borrowers **URL:** \ **Category:** The BBQ Pit\ **Created:** [August 2, 2017, 6:23pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642 "2017-08-02T18:23:09Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![septimus](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/septimus/32/410_2.png) [@septimus](https://boards.straightdope.com/u/septimus)\ **Post date:** [August 2, 2017, 6:23pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/1 "2017-08-02T18:23:09Z")
Nobody’s started another Pit thread against Wells Fargo yet. Let me preempt by coming to their defense. [Wells Fargo Forced Unwanted Auto Insurance on Borrowers.](https://www.nytimes.com/2017/07/27/business/wells-fargo-unwanted-auto-insurance.html?_r) (BTW, what does that “?\_r” at the end of the URL do? Should I have erased it?) > [@](#): > > More than 800,000 people who took out car loans from Wells Fargo were charged for auto insurance they did not need [in some cases duplicating other insurance they’d already purchased], and some of them are still paying for it. The libtards are happy enough to S\*\*\* their own C\*\*\*\* when Obama forces people to buy insurance. Yet look at the animosity when a Job Creator does the same thing. > [@](#): > > And almost 100,000 of the policies violated the disclosure requirements of five states IOW, more than 700,000 of the policies _complied_ with those disclosure requirements. An 0.875 batting average is spectacular in any league. > [@](#): > > Jennifer A. Temple, a bank spokeswoman, said the bank determined only 570,000 of its customers may qualify for a refund … Finally, she said, the bank estimated the insurance may have contributed to 20,000 wrongful repossessions, not 25,000. > > “We take full responsibility for these errors and are deeply sorry for any harm we caused customers,” Ms. Temple added. See? Hundreds of thousands of these customers don’t even qualify for a refund. What’s the big deal? And I’ll bet this fine bank will pay out many of those refunds with minimal prodding from the justice system. Of all the customers who were cheated out of their automobiles, only 20,0000 were cheated _wrongfully_. Yet still the libtards complain. And Ms. Temple is “deeply sorry.” Surely that heart-felt apology counts for something. ---
**Author:** ![running\_coach](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/running_coach/32/15836_2.png) [@running\_coach](https://boards.straightdope.com/u/running_coach)\ **Post date:** [August 2, 2017, 6:28pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/2 "2017-08-02T18:28:25Z")
> [@septimus](#): > > The libtards are happy enough to S\*\*\* their own C\*\*\*\* when Obama forces people to buy insurance. Yet look at the animosity when a Job Creator does the same thing. If you already had health insurance, you weren’t required to buy Obamacare in addition to your current plan(if it qualified). In now way were you required to carry two different plans. This case with WF is forcing a second insurance plan on buyers who already had insurance. ---
**Author:** ![Chimera](https://avatars.discourse-cdn.com/v4/letter/c/8e8cbc/32.png) [@Chimera](https://boards.straightdope.com/u/Chimera)\ **Post date:** [August 2, 2017, 6:29pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/3 "2017-08-02T18:29:44Z")
> [@septimus](#): > > The libtards are happy enough to S\*\*\* their own C\*\*\*\* when Obama forces people to buy insurance. Yet look at the animosity when a Job Creator does the same thing. Trolling or Stupid? ---
**Author:** ![cochrane](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cochrane/32/10441_2.png) [@cochrane](https://boards.straightdope.com/u/cochrane)\ **Post date:** [August 2, 2017, 6:37pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/4 "2017-08-02T18:37:42Z")
> [@Chimera](#): > > Trolling or Stupid? Why can’t it be both? ---
**Author:** ![beowulff](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/beowulff/32/542_2.png) [@beowulff](https://boards.straightdope.com/u/beowulff)\ **Post date:** [August 2, 2017, 6:38pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/5 "2017-08-02T18:38:27Z")
> [@Chimera](#): > > Trolling or Stupid? Yes. ---
**Author:** ![Skywatcher](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/skywatcher/32/254_2.png) [@Skywatcher](https://boards.straightdope.com/u/Skywatcher)\ **Post date:** [August 2, 2017, 6:41pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/6 "2017-08-02T18:41:20Z")
I’m not surprised. As I mentioned in a previous WF thread, there’s already a class-action suit against them for changing homeowner’s insurance without notice nor permission. When they tried that shit with us, we took our WF mortgage to Quicken Loans for re-fi. ---
**Author:** ![Euphonious\_Polemic](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/euphonious_polemic/32/3002_2.png) [@Euphonious\_Polemic](https://boards.straightdope.com/u/Euphonious_Polemic)\ **Post date:** [August 2, 2017, 6:52pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/7 "2017-08-02T18:52:22Z")
> [@Chimera](#): > > Trolling or Stupid? Attempt at sarcasm. ---
**Author:** ![Steve\_MB](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/steve_mb/32/5339_2.png) [@Steve\_MB](https://boards.straightdope.com/u/Steve_MB)\ **Post date:** [August 2, 2017, 6:53pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/8 "2017-08-02T18:53:41Z")
> [@Euphonious\_Polemic](#): > > Attempt at sarcasm. Evaluating the quality of the attempt, I vote for “stupid”. ---
**Author:** ![Czarcasm](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/czarcasm/32/4050_2.png) [@Czarcasm](https://boards.straightdope.com/u/Czarcasm)\ **Post date:** [August 2, 2017, 6:59pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/9 "2017-08-02T18:59:10Z")
Poe’s Law. ---
**Author:** ![GreysonCarlisle](https://avatars.discourse-cdn.com/v4/letter/g/a87d85/32.png) [@GreysonCarlisle](https://boards.straightdope.com/u/GreysonCarlisle)\ **Post date:** [August 2, 2017, 7:31pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/10 "2017-08-02T19:31:52Z")
: Golf Clap : ---
**Author:** ![Lemur866](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/lemur866/32/434_2.png) [@Lemur866](https://boards.straightdope.com/u/Lemur866)\ **Post date:** [August 2, 2017, 8:46pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/11 "2017-08-02T20:46:44Z")
> [@Chimera](#): > > Trolling or Stupid? I believe this might be the hyu-mon concept known as “humor”. ---
**Author:** ![74westy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/74westy/32/3950_2.png) [@74westy](https://boards.straightdope.com/u/74westy)\ **Post date:** [August 2, 2017, 10:39pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/12 "2017-08-02T22:39:16Z")
I thought it was a joke but then I thought Drunky Smurf was a joke too. ---
**Author:** ![Evan\_Drake](https://avatars.discourse-cdn.com/v4/letter/e/b487fb/32.png) [@Evan\_Drake](https://boards.straightdope.com/u/Evan_Drake)\ **Post date:** [August 2, 2017, 10:59pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/13 "2017-08-02T22:59:54Z")
[QUOTE=septimus;20386742.] And Ms. Temple is “deeply sorry.” Surely that heart-felt apology counts for something. [/QUOTE] The loss of my car would sadden me; that apology would melt my heart into fulsome, happy, forgiveness. ---
**Author:** ![Iggy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/iggy/32/3364_2.png) [@Iggy](https://boards.straightdope.com/u/Iggy)\ **Post date:** [August 3, 2017, 6:37am UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/14 "2017-08-03T06:37:57Z")
> [@running\_coach](#): > > If you already had health insurance, you weren’t required to buy Obamacare in addition to your current plan\*\*(if it qualified\*\*). In now way were you required to carry two different plans. > > This case with WF is forcing a second insurance plan on buyers who already had insurance. **bolding** mine just [don’t go there](http://boards.straightdope.com/sdmb/showpost.php?p=16859158&postcount=60). What WF did is shit because it is a duplication of coverage. ---
**Author:** ![Tim\_T-Bonham.net](https://avatars.discourse-cdn.com/v4/letter/t/46a35a/32.png) [@Tim\_T-Bonham.net](https://boards.straightdope.com/u/Tim_T-Bonham.net)\ **Post date:** [August 3, 2017, 7:02am UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/15 "2017-08-03T07:02:44Z")
[QUOTE=septimus;20386742Yet look at the animosity when a Job Creator does the same thing.[/QUOTE] What job creator? Over the past 7 years, Wells Fargo’s employee count has been essentially static. While it’s gone up and down a bit at times since 2010, it’s now just under 3% different from then. Not a significant change at all. It seems to be small businesses that are doing most of the job creation. Over the years that I was a Norwest/Wells Fargo employee, much of the growth in employee count was because we bought out some smaller bank company. And it was typical that about 6 months afte that, management would centralize back office functions at headquarters, and lay off a lot of those employees out in the field. ---
**Author:** ![kaylasdad99](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kaylasdad99/32/3398_2.png) [@kaylasdad99](https://boards.straightdope.com/u/kaylasdad99)\ **Post date:** [August 3, 2017, 8:18am UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/16 "2017-08-03T08:18:00Z")
Ye-e-e-a-a-a-h, I would hope that by now anyone who encounters a Doper invoking the term “Job Creator” would recognize the post as being intended ironically. ---
**Author:** ![Sailboat](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/sailboat/32/461_2.png) [@Sailboat](https://boards.straightdope.com/u/Sailboat)\ **Post date:** [August 3, 2017, 4:14pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/17 "2017-08-03T16:14:40Z")
Pretty sure this is satire. But yeah, when your contribution to the economy consists of money you’ve extored from people for “protection” they didn’t need, you’re on the same moral plane as a mobster with a baseball bat. ---
**Author:** ![gigi](https://avatars.discourse-cdn.com/v4/letter/g/a587f6/32.png) [@gigi](https://boards.straightdope.com/u/gigi)\ **Post date:** [August 3, 2017, 6:32pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/18 "2017-08-03T18:32:34Z")
Sing their own Chord Spin their own Comic Seal their own Chows ? ? ---
**Author:** ![SteveG1](https://avatars.discourse-cdn.com/v4/letter/s/bb73d2/32.png) [@SteveG1](https://boards.straightdope.com/u/SteveG1)\ **Post date:** [August 3, 2017, 10:16pm UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/19 "2017-08-03T22:16:01Z")
> [@Chimera](#): > > Trolling or Stupid? Both? ---
**Author:** ![elucidator](https://avatars.discourse-cdn.com/v4/letter/e/8edcca/32.png) [@elucidator](https://boards.straightdope.com/u/elucidator)\ **Post date:** [August 4, 2017, 12:15am UTC](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642/20 "2017-08-04T00:15:38Z")
> [@Evan\_Drake](#): > > The loss of my car would sadden me; that apology would melt my heart into fulsome, happy, forgiveness. Perhaps if accompanied by a check of sufficient size to fully express remorse and sincere repentance. [Next page](https://boards.straightdope.com/t/wells-fargo-forced-unwanted-auto-insurance-on-borrowers/792642.md?page=2)