Just wondering … Do you make me feel better to know that we are not alone. Will not tell you the whole story dirty long, but they really screwed up our account, and we’ll credit right in vain. We have a modified loan agreement with them within the past few months, according to the agreement, there has been three months and we do not have to pay. Were not told, even if the agreement stated that we signed, 3 months as delinquent to credit bureaus, and once only and we are making monthly payments again, that money goes to the “account hold” (still as reported delinquent) until you update the account … It may take up to six months. We do not have credit and become a clean start, but we can get a credit card or car loan, if we wanted. Now we can not get anything! Well Fargo still wont send a message to say that our present so that the bank will give us a car loan. She explained that there are how many errors, it’s just the tip of the ysberg.Ook when I call I may make a payment to make, I have already made. When he assured them that I did not (unless the person with the withdrawal of unauthorized cars) said that they are receiving a check from me (do not write checks) on the previous day, and the money is there. They said I should wait to see if it comes out of my account. It never did and they are still insisting that I pay, but they say now I’m $ 100 short. And the supervisor is looking for our account (yeah right), and told us that this is confusing, so take some time. Anyone else with these problems? What did I do to fix this? We consider the appointment of counsel. Thanks for any advice.