Good: The immediate funding.. Bad: Calling the customer service number for the last five years to correct misapplied payments. The fact that company applies my payment wrong, then calls me with an auto-dialer to harass me about "late" payments. Sending "late" notices to me and my cosigner.. Improvements: Internal systems improvement, and documentation of past trouble on the accounts they have.. Other: The short story: I have two loans through Wells Fargo Education Financial Services. They will not let me consolidate the loans. I have one due the beginning of the month, and one at the end of the month. Wells Fargo applies my payments all to one account, and nothing to the other. I end up with one "late" account, and that is two payments "ahead." This is not the case, I have call the customer service line (20 minutes a month, including wait time on hold) and explain the whole thing to a new person each tim.
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