On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me. 
