I was told that I would have all my debit paid off in 36 to 48 months. It’s been 51 months. Two years ago I was paying off a Wells Fargo visa for what ever reason WF started refusing the payment they returned 7 Payment’s in a row. I hounded these people for another 8 months trying to find out why and what they were going to do about it. They told me WF said I closed the account. To this day there is no proof I did that. Except for the visa my last payment is Sept. now they want me to go another two years paying off the visa that should of been paid off in the summer of 2016. They never ever told me even though I’ve paid every single creditor what I owed them excluding late fees and interest. My credit will reflect charge offs for 7 yrs. I would of been better off filling a BK and walking away instead of doing the right thing. I never once new what the agreement was with the creditors. I never new where my accounts stood. I ended up paying off two creditors myself. Like others have said they do not answer the phone or respond to emails. I even had an attorney send them a letter trying to find out what was going on with my program. They ignored her as well. The last straw was today after waiting a week to have my phone call returned they talked to me like I’m *** and the money I’ve been putting in their special account the last 4+ yrs wasn’t mine. $85,000 in unsecured debit and $150,000 mortgage paid off in 4+ years and I’m the *** What do I get out of it? Charge offs for the next 7 yrs.