4/7     I want to take this time and say, FUCK Wells Fargo. I didn't receive
        my home equity loan pay stub this month and didn't pay for 6 weeks.
        They charged me a shitload of late fee. On top of that, I didn't
        get one for this month either, even though they claimed to have
        sent both months already. I didn't do constant bill pay because
        the payment changes every month depending on interest rate. Like I
        said, FUCK Wellso Fargo.
        \_ Ultimately, the onus lies with you to manage your finances.  Blaming
           the bank for your own mismanagement is misguided, though perhaps
           understandable.  My suggestion to you is to either switch to
           autopay or use a fixed payment schedule (which you manage on a
           spreadsheet or pda or calender, etc) on your own and trust that
           above any correspondance from the bank.  The bank isn't your friend,
           and if you're not proactive in dealing with this stuff, you're very
           likely to get the short end.  Any large institution is going to
           make mistakes, but you are the only person you can really trust
           to find and deal with them.
        \_ Yes, they suck.  Nonethless it's your responsibility to make sure
           the bill gets paid whether or not they send you anything.  And
           something collateralized against your home should be at the top of
           your reminder list.
        \_ If you dont like them, move the loan elsewhere.  Theres plenty
           of other competitors eager for yoru business. I still get regular
           calls from loan refi companies in spite of being on the federal Do
           Not Call list. -ERic
        \_ Dude, auto-billpay.  It solves all these problems.
        \_ I have been a Wells Fargo customer (not for mortgage, though)
           for more than a decade. I have heard lots of people complain to me
           about them. Personally, I really like them. My mortgage lender
           doesn't send me any statements at all. I just login to their
           web site and pay there. I'm sure WFB has the same features,
           as they are usually one of the more technologically-advanced
           banks. I agree with the person who blames you for not realizing
           your payment was due. This isn't AAA dues. This is your home
           at stake.