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My AC went out in August in Texas. I opened a line of credit through the HVAC company, which was ultimately through Wells Fargo.
When I got the first bill I set it up for auto pay through my checking account and let it pay the same amount over 18 months.
Well about 12 months later I'm trying to buy a new house and just as I'm about to close I get a note from the bank they were going to deny my loan because I failed to pay a bill to Wells Fargo for 9 months.
I called them to figure out what the hell was going on. My bill was due on the 15th of every month. My auto pay was set to pay on the 15th. One week the 15th was a Sunday, so my bank sent the payment on the 13th. They processed that like an extra payment under the same period and for the next 9 months considered every payment I had as late.
I tell them to fix it, and they say they can but it will take 2-3 weeks to process. I'm supposed to close on a house the next morning. They tell me if I just make a payment of $279 right then they could clear it so I could close on my house. I seriously felt like I was being shaken down and there wasn't anything I could do other than pay them. So fuck Wells Fargo!