I have two seperate car payments and I do online payments for each one seperately, however, my payments are always applied to one vehicle which leaves the other unpaid with a late charge. Sometimes deductions are made from my scheduled payments without notice which results in late payment fees and in some cases negative reports to the credit bureaus. This has happened to me a few times. Even when the mistake is corrected, Wells Fargo does nothing to restore your good credit. read full review »