Sounds like you feel the way I do about Wells Fargo. I tried to refinance my car with them after doing some credit rebuilding. ( Had 10 baddies removed or aged off, and increased my score by 75 points) All they would do for me is a 1% reduction in my rate!! What a joke...my credit union offered me a 9% reduction in my rate!! I laughed at the lady on the phone, she made it sound like they were going to be doing me a huge favor...LOL