Wells did the same to me. I did everything they asked. 8 months later, I was denied. The last person I talked to said I was short because of the trial payment 1100.00 dollars. I went to the bank and gave them 1200.00. Then I got my statement and the money wasn't applied because it wasn't a full payment. They have been reporting me late every month. F up my credit. I sent them an additional They now say I need to make 2 more payments to be current. I have already given them 1300.00 extra and I was only short on the 3 month trial... read full review »