My room mate received a phone call yesterday stating that they were 12 days late with payment on her car. She had paid her bill by phone on time. after talking to Wells Fargo for some time, it became clear that Wells Fargo had made an error in the account number (they added an additional zero the account number per their own words). Wells Fargo states that she will have to still pay the interest as the payment has not been received. In addition, if she wanted to not pay the interest, she would have to get her bank to send them a letter stating that they received a request on the date in question and it was incorrect. To top it off, when my room mate asked for proof that they made a mistake, they refused saying they are not allowed based on their legal policies. Then my room mate received another phone call this morning... all the above all over again. Apparently they did not mark ANY of this on her account. Questions I have are: - What are some options that can be used to get Wells Fargo to admit that they in fact made a mistake? - What actions can be taken now to prevent it from showing on her credit report? - Any other advice or direction would be awesome. Thank you in advance and if you need more information, please let me know Parul Bhargava From 455 to 742 in 2 years Thanks to everyone here
You aren't going to get them to admit any mistake. Companies just don't do that! If it shows up on her report, which it probably won't, then you tell them you want them to prove it. It's a small deal-you just want to get it straight and move on...
First, get your documentation in order. If you made the payment in person (in a Wells Fargo Branch), bring in the original payment receipt. If you mailed in the payment, get a copy of the CLEARED check (or purchaser's copy of cashier's check or money order as the case may be). If at all possible, go to a local branch and talk to a live person. Show them the documentation and explain the phone calls that you've received. Ask them (nicely) to do everything within their power to get Wells Fargo to correct their obvious mistake.
Find out if the original phone credit was taken from her bank account/credit card. Next, calls Wells and ask for a supervisor. If the money was debited, it can be applied to the correct account. Also, the interest only route is only for late payments. Start from the beginning, be nice and cordial (even though you are biting your tongue) and with bank documentation, you should get results. This may be a bank mistake, but it has been my experience that these 'customer service reps' will only respond if you place the ball in their court. Just be cool, have your docs, and they should correct the error, without their ever admitting fault, of course. I have had numerous dealing with Wells, and it has not been positive, for myself, nor for my clients. However, I would act on this ASAP before it gets elevated to another level.
