conversation: User (elidefoe): "tl;dr Wells Fargo reversed a 7500 payment and cannot tell me why or where the money is. \n\nThis all started on Oct. 27th when I decided to transfer $7500 from an unsecured personal loan to my Capital One credit card, 0% for 18 months and 4% vs 15% APR on the personal loan. On the 14th of November I called Wells Fargo and Capital One as the balance transfer had yet to go through and Wells Fargo asked until the 18th to make sure it was not a mail issue.\n \n11/18 the balance transfer check has not shown up at Wells Fargo. So I went ahead and put a stop payment on the transfer, I actually canceled it as Capital One would not reset the 0% grace period. Funds were credited back to my credit card 2 days later and on Nov. 23rd I attempted the balance transfer again ($7500). A few days later the payment posted to Wells Fargo. Awesome... \n\nWell a few days later 11/30ish I noticed that my personal loan account was no longer on my online banking for Wells Fargo, turns out that they processed both payments. First one a check for $7500 back dated to 11/5 and then an ETF payment again $7500 on 11/25 which actually paid off the loan. Called them up told them that the first payment had a stop payment on it that the account would need to be reopened. \n\n12/6 account showed back up on my online banking it no longer shows a payment on 11/25 but shows a payment of 7500 on 12/5 and it was reversed 12/6. I called that day and they said it was reversed so it could be reapplied on the date received with interested recalculated. \n\n12/12 and the payment still had not been applied to the account, called and opened up an investigation. \n\n12/19 investigation came back as nothing was wrong, and if I could fax them a copy of my statement from Capital One, so I called Capital One and they said that Wells Fargo accepted the payment and they have the ETF transfer as proof, also they went ahead and faxed my statement. \n\nNow today 12/20 I called Wells Fargo and they are pointing me back to Capital One, and I threated to file a complaint with FRB which got me to a supervisor really fast. However I was on hold with them as they looked at my account and attempted to contact the investigation team, which I was told can be a very lengthy process to get them on the phone. I had to get back to work as it took up my whole lunch hour and I am calling back tomorrow but I still have nothing from Wells Fargo as to why my transfer was reversed.\n\nCapital One says Wells Fargo accepted the transfer so they have nothing to investigate, my [online statement](http://imgur.com/78mXlav) no longer matches  my physical statement [Statement](http://imgur.com/u9Nr4jc). Any advise?"
  Self: "As a reader of this sub I cannot fathom why anyone is still using Wells Fargo. "
  unclepickle2 (unclepickle2): "Have several accounts with them including a mortgage.  As bad as the news has been, I haven't had any negative experiences with them yet."
  redflcn (redflcn): "&gt; yet."
  