My mom refinanced her house and credit cards with Wells Fargo last summer. All of it went smoothly except the attempt to pay off American Express. The Amex account was in collections with NCO. Amex and NCO both refused to provide documentation of the amount owed. Each said the other would have to provide it. They would not talk to Wells Fargo at all. Wells Fargo did cut a check made out to Amex, for an amount they pulled from her credit report. Unfortunately it was for $3000 more than she still owed. My mom told WF she didn't want to send... read full review »