I PURCHASED A VEHICLE IN 2013. AND. UNFORTUNATELY. I WAS IN A. ACCIDENT AND WAS Deemed AS TOTAL LOSS I HAD FULL COVERAGE IN WE ALSO HAD A INS WE WERE PAYING THT Wells FARGO ADDED ON TO OUR LOAN. SO INS PAID OFF FULL AMOUNT OF VEHICLE BY 900 DOLLARS WHICH WE MADE THE PAYMENT WESTERN UNION WEN I RECEIVED Pay OFF QUOTE AND INS DID WE SENT EXTRA ...YEARS GO BY BECAUSE I RECEIVED A LETTER ABOUT WELLSFARGO Being SUED FROM SOME INS THE ADDED ON ALL ACCOUNTS. AND IT MADE ME CALL TO INQUIRE WHT EVER HAPPEN TO MY TITLE AMD WHY NOT SHOWING PAID OFF AMD ON CREDIT REPORT .I CONTACTED THEM THEY TRANSFERD ME TO CHARGE OFF.WHAT DO U MEAN?????? I HAVE BALANCE. IF I WOULD HaVe KNOWN Somewhere ALONG THE MONEY WAS NOT APPLIED Correctly TO ACCOUNT AND THEN TELLS ME OH WE CAN UPDATE UR Credit REPORT TODAY WITH THE BALANCE. HUM NO WANT MY PAYMeNTS APPLIED RIGHT AMD IT UPDATED AS PAID OFF