Thank you for choosing Wells Fargo, how may we screw you today?

As I stated in my previous entries I got rather behind on my student loan payments….

BUT now I want to pay, I have the money to pay and I will happily pay and I am being declinded from paying??? Odd.

In December, Wells Fargo Student Services division told me I was approximately $1100 behind and needed me to pay the full payment of 1100 dollars to bring my account current and out of charge off status. I explained I did not (and truely did not) have the 1100 dollars to give them. They assured me that was okay and there was other avenues I could take to just start paying the regular payment and work my way to current status without being charged off.

Form after form! I filled out the economic hardship paperwork in great detail after having to embarrassingly give my story to the customer service operator (who the hell are you?) and took to a local Wells Fargo branch to have it faxed in. I literally missed the mark by less than $200 and was denied.

Yet another form! So I then called back in and asked, what can I do? Again, I have the money and want to pay you, why can’t you take my money?? They referred me to yet another website to download yet another form….

Deferment. I filled out in detail the deferment form and went again to the local Wells Fargo branch to have it faxed in. I was again denied.

I have received 4, yes 4, thank you letters from Wells Fargo thanking me for contacting them and trying to resolve this issue. (Wonder if those will hold up in court.) Now, I also paid a monthly payment they called a “good faith” payment which really means “tough shit” payment in January right before I was denied, twice. I logged into Wells Fargo this afternoon to set up my February payments only to find my student loan account is unavailable. This could mean that they are tacking on their incredible interest rate or it could mean they have sent it into charge off status after I did everything they asked and more.

Hey banks! I realize you make more by charging off my account, packaging it up all pretty with some ribbon (which later I hope to strangle you with ) and selling it to the highest bidder but you have made some fatal flaws…

The best advice I can give anyone in my situation especially with a bank that auto spits out thank you notes for contacting them and then screws you is…keep calling customer service and stock piling those thank you notes!

They will come in handy, trust me!

We will have to see tomorrow why it is unavailable.