SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event

Reported): ~~August 16~~ October 15, 2004

Wells Fargo Financial Auto Owner Trust 2004-A
(Exact name of registrant as specified in its charter)

Delaware	333-110039	20-6150771
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

c/o Wilmington Trust Company Rodney Square North, 1100 North Market Street Wilmington, Delaware 19890-0001
(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code (302) 651-1000

~~Item~~Check ~~5. Other~~the ~~Events.~~appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

~~On August 16, 2004, Wells Fargo Financial Acceptance, Inc., as~~o Written ~~Subservicer,~~communications ~~distributed the Master Servicer’s Report for the monthly period ending July 31, 2004~~ pursuant to ~~Section 4.9~~Rule of425 under the ~~Sale~~Securities ~~and Servicing~~Act ~~Agreement~~(17 ~~dated~~CFR ~~as of March 1, 2004~~230.425)

~~Item~~o Soliciting material ~~7. Financial~~pursuant ~~Statements~~to ~~and~~Rule ~~Exhibits~~14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(ab) ~~Not~~ ~~applicable~~under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(bc) ~~Not~~ ~~applicable~~under the Exchange Act (17 CFR 240.13e-4(c))

~~(c) Exhibits:~~Item 8.01. Other Events.

Exhibit No.		Description
20		Master Servicer’s Report for the monthly period ending July 31, 2004.

On October 15, 2004, Wells Fargo Financial Acceptance, Inc., as Subservicer, distributed the Master Servicer’s Report for the monthly period ending September 30, 2004 pursuant to Section 4.9 of the Sale and Servicing Agreement dated as of March 1, 2004.

Item 9.01.		Financial Statements and Exhibits.

(a)		Not applicable.

(b)		Not applicable.

(c)		Exhibits:

Exhibit No.		Description

20		Master Servicer’s Report for the monthly period ending September 30, 2004.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	WELLS FARGO FINANCIAL
	WELLS FARGO FINANCIAL ACCEPTANCE, INC.,
	ACCEPTANCE, INC.,
	as Subservicer
	By:	/s/ Steven N. Owenson
		Steven N. Owenson
		Treasurer
Dated: August 16, 2004
Dated: October 15, 2004

INDEX TO EXHIBITS

Exhibit No.		Description
20		Master Servicer’s Report for the monthly period ending ~~July~~September 3130, 2004.

Filing Compare · ACE SEC CORP WELLS FARGO FINANCIAL AUTO OWNER TRUST 2004-A