My name is Carlos Tellez
I have a Car Loan with; Wachovia Bank, a Division of Wells Fargo Bank, National Association
My Loan # 9330000438 my monthly contract payment is $314.74
My life with the Wachovia Bank, A Division of Wells Fargo Bank, National Association it has been
A nightmare.
When I got the loan I requested for 5 years and when I signed it was for 6, I thought I was signing for 5 yrs
My payments is $314.74 monthly,
My payment’s option is.
1. Sending a check
2. On line
3. Over the phone
There is not option of extra payments tours your principal.
I have been calling and I was told if I want to make a payment on line if I pay extra I have to call back
To repost my payment, if I pay $339.74 the contract payment is $314.74 and the extra tours the principal.

What this bank does is, they applying my extra money tours my monthly payment,
On FEB 2010 they make pay more on my monthly payment because I did not pay enough
If I am making my payments early, and I paying more without skipping a month how I have to pay more.
How my principal does not go down?

The customer service representative told me to call back to get my extra payment posted tours my principal.
Every time that I’m calling is a problem.
Each one tells me something different.
Wachovia Bank, a Division of Wells Fargo Bank, National Association
asked me to make my payments on line
But Wachovia Bank, a Division of Wells Fargo Bank, National Association does not have the options to make principal payments only, after I called and told them that I will reporting them to consumer’s complaint.
They told me that I have to send a separated check to be apply to my principal
Es inconvenient for me I have to pay more en stamp, envelope, gas.
So why Wachovia Bank, a Division of Wells Fargo Bank, National Association suggesting to their customer
To make payments on line?
And they do not have the options. They told me that the system applies the extra money tours my principal.
And is not so.

This will explain my next payment


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Account Summary
Welcome to eServices. You last logged in on 06/11/2010 11:42 PT.
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Account Summary: 9330000438 - 2007 TOYOTA YARIS
Description Amount Notes
Principal Balance $6, 341.41 What is Principal Balance?

Last Payment Posted $339.74 Posted on: 6/10/2010
Total Next Payment Due $237.74 Due: 8/23/2010 Click here for details

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Please help me some one.
I am not an illegal alien. I’m USA