I have several loans with Wells Fargo. When I set up paying about XXXX years ago they arranged it to be made under 1 payment. For the first several months payment was not dispersed by them to all loans. They the claimed I failed to make all payments and listed about XXXX accounts a month delinquent for XXXX months. I was in conversation with them about this the entire time. This lowered my credit score. They refused to reverse the delinquent reports even though it was they who did not distribute payment made. Additionally they refuse to refinance a consigned student loan less than XXXX