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<HEAD><TITLE>Wachovia Auto Owner Trust, 2004-A</TITLE>
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<BODY bgColor=#ffffff>8-K
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<P align=center><FONT size=4>SECURITIES AND EXCHANGE COMMISSION </FONT>
<P align=center><FONT size=3>Washington, DC 20549 </FONT>
<P align=center><FONT size=5>FORM 8-K </FONT>
<P align=center><FONT size=3>CURRENT REPORT </FONT>
<P align=center><FONT size=3>PURSUANT TO SECTION 13 OR 15 (d)&nbsp;OF
THE<BR>SECURITIES EXCHANGE ACT OF 1934 </FONT>
<P align=center><FONT size=2>Date of Report (date of earliest event reported):
November&nbsp;22, 2004 </FONT>
<P align=center><FONT
size=2>Wachovia Auto Owner Trust<BR>
(Isuuer in respect of the Asset Backed Notes, 2004-B)</FONT>
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(Exact name of registrant as specified in its charter) </FONT></DIV>
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    <TD vAlign=top align=middle><FONT size=2>Delaware</FONT></TD>
    <TD><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=middle><FONT size=2>333-117468 </FONT></TD>
    <TD><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=middle><FONT size=2>52-223151</FONT></TD></TR>
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    <TD vAlign=top align=middle><FONT size=2>State or other jurisdiction<BR>of
      incorporation)</FONT></TD>
    <TD><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=middle><FONT size=2>(Commission<BR>File Number)
      </FONT></TD>
    <TD><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=middle><FONT size=2>(IRS Employer<BR>ID
    Number)</FONT></TD></TR></BODY></TABLE></CENTER>
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    <TD vAlign=top align=middle><FONT size=2>301 South College Street, Suite E Charlotte, NC 28288-5578<BR>
      <HR noShade SIZE=1>
      (Address of principal executive
officer)</FONT></TD></TR></body></TABLE></CENTER>
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<P align=center><FONT size=2>c/o Wachovia Bank, NA, as servicer <BR>One Wachovia Center, 301 South College Street<BR>
Charlotte, NC 28288-5578</FONT>
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    <TD vAlign=top noWrap align=right><FONT size=2>Registrant's Telephone
      Number, including area code:</FONT></TD>
    <TD><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=left><FONT size=2>(704)
      715-3097</FONT></TD></TR></body></CENTER>
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<DIV align=center><FONT size=2>(Former name or former address, if changed since
last report) </FONT></DIV>

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<DIV align=left><FONT size=2>Check the 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:
<P align=center>

<DIV align=left><FONT size=2>[  ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

<P align=center>

<DIV align=left><FONT size=2>[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))

<P align=center>

<DIV align=left><FONT size=2>[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


<P align=center>

<DIV align=left><FONT size=2>[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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<H5 align=left>&nbsp;</H5>
<P><!-- link2 "Item&nbsp;8.01 Other Events" -->
<DIV align=left><A name=000></A></DIV>
<P align=left><FONT size=2>Item&nbsp;8.01 Other Events </FONT>
<P align=left><FONT size=2>On November 22, 2004, the servicer for the Wachovia Auto Owner Trust 2004-B
delivered to the indenture trustee or the paying agent (for the indenture trustee or the paying agent to
forward to each noteholder of record as of the most recent record date) and to the owner trustee (for the
owner trustee to forward to each certificateholder of record as of the most recent record date) the
distribution statement for the collection period ended October 31, 2004</FONT><!-- link2 "Item&nbsp;7 Financial Statements and Exhibits" -->
<DIV align=left><A name=001></A></DIV>
<P align=left><FONT size=2>Item&nbsp; 9.01 Financial Statements and Exhibits </FONT>
<P align=left><FONT size=2>(a) Not Applicable<BR>
</FONT>
<P align=left><FONT size=2>(b) Not Applicable<BR>
</FONT>
<P align=left><FONT size=2>(c) Exhibits<BR>
</FONT>
<P align=left><FONT
size=2>Exhibit 20: Wachovia Auto Owner Trust 2004-B
distribution statement to noteholders and certificateholders for the collection period ended
October 31, 2004.</FONT>
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<P align=center><FONT size=2>SIGNATURES </FONT>
<P align=left><FONT size=2>Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned thereunto duly authorized. </FONT>
<P align=left><FONT size=2>WACHOVIA BANK, NA </FONT>
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    <TD vAlign=top><FONT size=2>By: \s\ Jacob Mayes <BR>Name:
      Jacob Mayes <BR>Title: Vice President</FONT></TD>
    <TD><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=left><FONT size=2><BR><BR>Dated: November&nbsp;22,
      2004</FONT></TD></TR></body></TABLE></CENTER>
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<P><!-- link1 " Exhibit&nbsp;Index" -->
<P align=center><FONT size=2>Exhibit&nbsp;Index </FONT>
<P align=left><FONT size=2>20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Monthly
Statements sent to Certificate holders with respect to the November 22, 2004
Remittance Date. </FONT>
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<H5 align=left>&nbsp;</H5>
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Wachovia Auto Owner Trust, 2004-A
8-K
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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):
November 22, 2004
Wachovia Auto Owner Trust
(Isuuer in respect of the Asset Backed Notes, 2004-B)
(Exact name of registrant as specified in its charter)
Delaware
333-117468
52-223151
State or other jurisdiction
of
      incorporation)
(Commission
File Number)
(IRS Employer
ID
    Number)
301 South College Street, Suite E Charlotte, NC 28288-5578
(Address of principal executive
officer)
c/o Wachovia Bank, NA, as servicer
One Wachovia Center, 301 South College Street
Charlotte, NC 28288-5578
Registrant's Telephone
      Number, including area code:
(704)
      715-3097
(Former name or former address, if changed since
last report)
Check the 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:
[  ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))
[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 8.01 Other Events
On November 22, 2004, the servicer for the Wachovia Auto Owner Trust 2004-B
delivered to the indenture trustee or the paying agent (for the indenture trustee or the paying agent to
forward to each noteholder of record as of the most recent record date) and to the owner trustee (for the
owner trustee to forward to each certificateholder of record as of the most recent record date) the
distribution statement for the collection period ended October 31, 2004
Item  9.01 Financial Statements and Exhibits
(a) Not Applicable
(b) Not Applicable
(c) Exhibits
Exhibit 20: Wachovia Auto Owner Trust 2004-B
distribution statement to noteholders and certificateholders for the collection period ended
October 31, 2004.
SIGNATURES
Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned thereunto duly authorized.
WACHOVIA BANK, NA
By: \s\ Jacob Mayes
Name:
      Jacob Mayes
Title: Vice President
Dated: November 22,
      2004
Exhibit Index
20      Monthly
Statements sent to Certificate holders with respect to the November 22, 2004
Remittance Date.