I set up automatic loan payments to come out in February. unfortunately I didn't specify whether to come out of the checking or savings. the automatic payment yet but it ended up coming out of the savings which I didn't have enough money in. The payment was returned and I called on the 18th of February. I setup a a one-time payment to come out of my checking account. It was taken out on February 28th within the 30 days of being late. I thought all was fine. I got a call on the 5th of March stating that I had to send in certified funds because the original payment didn't go through. And they were going to return my payment that was taken out on the 28th. I did this I sent in the cashier's check but because of this now my credit is showing 30 days late. Had the gentleman I talked to you on the 18th told me I need you to send a certified check I would have. I'm finally caught up on my mortgage payment but now I have two 30 day late fees and it has hit my credit as two 30-day lates. My credit was 700 now it's down to 590 in a matter of a month and a half. I thought Wells Fargo was bad to deal with but this company is absolutely horrible.