Credit Settlement with Wells Fargo gone bad?

Hi,

After communicating w/ a rep. from Wells Fargo re: a debt that I could no longer afford to pay monthly, the guy told me that we could settle for 60% and what the amount would be.

He submitted this offer to his supervisor and was waiting for approval, but said he didn't see why it wouldn't go through.

Then he told me that the supervisor needed a specific date when I could pay so that he would approve the offer.

I couldn't give a specific date, because I had to cash out stocks and an IRA to get the funds, so the funds were going to come in incrementally.

They were putting on the pressure that if I couldn't give a date, the offer would not stand.

So, I offered to make a good faith payment towards the total settlement.

First I made a payment of $1000. Then as more $ arrived, I paid another $2000.

When my last chunk of $ arrived, I sent in the remaining $4600 dollars.

Months later, I started getting notices that I still owe on this account.

When I called, the person said she didn't know why, bc. she could see that I had made all the payments by the agreed upon date, and that she would have to forward this to the person that handled it to call me back.

I didn't get a call back, so I called again the next day. This time they transfered me to the supervisor who had dealt w/ my account. This guy basically tells me that the settlement was never approved, and that I still owe the balance.

WHAT??????????????

You idiot, why would you people take my $ towards an agreed upon setllement amount if it was not approved! I told them I had to cash out stocks and an IRA to make this happen, and they let me do this, took my money, and now say I owe more.

I am ENRAGED and don't know what to do!

Anyone have any advice?