2009 and Wells Fargo is still as bad as ever. I have a Auto loan , I called them to see if I could get a late fee waived. ( that was my fault I lost my job, father died, bad car accident, basically life happened) after being transferred more than 5 times I spoke to a man that told me to write a hardship letter and fax it. Then he told me if I make a payment with him right now it would look really good and help me get the late payments fee waived. It was the 13th of the month and my payment was due 23. I asked him was there a fee and he said yes, but would waive it. I told him if the fee was waived I would make the payment. So when I looked at my bank statement on the 23 it was short by $10 I knew were to look. I have been told by two supervisors that if I could pay the car payment I should be able to pay $10.00 / they told me I did ok the charge and to stop complaining/ , and if that was not enough then the guy asked me how did I want to pay the late charges...Are you kidding me..REALLY..I gave him my account number ..123..when hell freezes over..and put a little something extra for him too.. What have I learned ...If I don't have the money in the bank I can't buy it EVER....and to get a new car loan with USAA my new Credit Union.. Thanks for listening