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Wells Fargo

Wells Fargo review: Loan payoff

D
Author of the review
4:52 pm EST
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This review was chosen algorithmically as the most valued customer feedback.

I am writing to formally register my complaint regarding Wells Fargo’s handling of a loan payoff discrepancy of $0.73, which has resulted in the assessment of $286.57 in interest and late fees.

October 2025, I paid off my loan in full and unintentionally underpaid the final balance by seventy-three cents ($0.73). Despite the de minimis nature of this amount, Wells Fargo allowed interest and late fees to accrue, ultimately totaling nearly $300, an amount that is grossly disproportionate to the original underpayment.

On January 13, 2026, I spoke with Amy, an Executive Office Customer Complaint representative, who stated that a “review team” had determined this outcome was “in line with the terms of the loan” and that no goodwill adjustment would be made. Requests to speak with an executive or her direct supervisor were denied, and no further escalation was offered.

Let me be clear:
While a contract may technically permit such charges, Wells Fargo’s refusal to exercise basic discretion, proportionality, or goodwill in a case involving a $0.73 error reflects extremely poor judgment and customer treatment. This decision is punitive in nature and undermines any claim of fair or reasonable servicing.

To prevent further compounding of fees, I paid the amount under protest via Wells Fargo’s automated system and verbally closed the account. I also ensured that my complaint was recorded. Payment under protest does not constitute acceptance of Wells Fargo’s position.

I am formally demanding the following:

This situation did not require escalation. It required common sense and basic fairness. Wells Fargo chose otherwise.

Claimed loss: $285.84

Desired outcome: Immediate reversal of all interest and late fees associated with the $0.73 underpayment.

Confidential Information Hidden: This section contains confidential information visible to verified Wells Fargo representatives only. If you are affiliated with Wells Fargo, please claim your business to access these details.

Update by Debra Winter
Jan 14, 2026 11:17 am EST

I am formally demanding immediate reversal of all interest and late fees associated with the $0.73 underpayment. Total refund expected is $285.84

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