I had a personal automobile loan with Wells Fargo Bank. I bought it used and as the car was now 9 years old, I decided to trade the vehicle in. I found a car I wanted at XXXX in XXXX XXXX, NJ. I traded the vehicle in on XXXX XXXX, 2015. I told the car dealer I had a payment due with Wells Fargo Bank but they told me not to make the payment as they already had the payoff and I would alter the paperwork if I made a payment. On or about XXXX XXXX I was called by Wells Fargo and they wanted to know why I had not made the XXXX payment on my loan. I told the individual that the vehicle was traded in on XXXX XXXX and gave her the name and telephone of the general manager, XXXX and sales man, XXXX, I dealt with at XXXX XXXX. Also, the sales man said they had called Wells Fargo to get a payoff when I signed my paperwork and that payment was in with the payoff. She said she would look into this but if they did n't receive a payment they were going to report me as a delinquent account. About 5 or 7 days later, I was again called by Wells Fargo about the car loan. I again told them the vehicle was traded in and additionally, the dealer already sold the vehicle I traded in. I asked them if they contacted the dealer and I was told it was n't their problem. I called the dealer and told them what was happening. They informed me that Wells Fargo never called them to verify my information as they said but they did have the payoff and it was already sent. I received a letter from Wells Fargo stating that the loan was paid off on XXXX XXXX. However during this time, they reported my account to the various credit bureaus as being 30 to 60 days delinquent.Naturally, they have now destroyed my credit score as it dropped XXXX points due to this reporting. The final insult was that I only had 4 months on this loan and never had a delinquent payment. Also, I had being making extra payments of {$15.00} to {$20.00} per month to pay the loan off ahead of time. I can upload and send my agreement of sale dated XXXX XXXX, 2015 if needed at a later time. 
