Hi. I had three accounts with wells fargo financial. due to much hardship, I got drastically behind in payments and they did a 'charge off' on me and sent accounts to CAs. Two of the accounts are being paid now. One was a visa and CA is outstanding. :D The other was a small 'inhouse' charge card that I started paying to wells fargo directly. (I never heard from a ca on that account, so started sending payments to WF-they accepted and are working with me :D ) The third went to a CA that I heard from ONE time. I have wrote and wrote and nada, nothing, zip, zelsh from them.