Wells Fargo & Company Consumer Loan Complaint

Wells Fargo & Company Consumer Loan department,

Vehicle loan Taking out the loan or lease Georgia

Car loan paid off in -. Agreed upon a lump sum payment $9100.00 after not missing - payment from purchase date of - -, - on a - Kia Soul for $270.00 a month. The difference of - roughly was listed on my credit report as a charge off dropping credit score from about - down to -. Paid over $17000.00 in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the - difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the -! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.