I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit. 
