Are you sure your payment was actually due? Payments made before your current monthly bill becomes due will go to principal from what I understand. And no, I have no idea how to determine that date. My bill is due on the 1st, late fee hits on the 15th. I have my first Evolve payment hit on the 1st, and my second Evolve payment hit on the 2nd of each month. I have had zero problem with funds going to principal.

If your bill was due, the payments should have gone into unapplied funds. Most people who pay all on one day seem to get that applied to their payment due automatically. I pay over two days, but on a phone call with WF to move unapplied funds to my payment (the first time I used Evolve), I was offered to have a "work order" put in on my account that would make it automatic that once my unapplied funds balance hit my exact payment amount, the unapplied funds would be moved to cover my payment.

From my reading of this thread and my own experience, these seem to be the three big keys with WF: Don't pay before your bill is due/current. Then either use the "all payments on the same day" approach or get WF to put a work order on your account to make the unapplied funds go to payment automatically.

Yes, just had the same issue. Apparently my payment isn't due to Jul 1 (no idea why, presumably earlier payments) so they all posted as principal.

Anyone having problems with Evolve today? I got the failed payment error message, called in and the CSR said others were experiencing the same issue today.

Just made 2 successful payments a few minutes ago.

Got the same thing this morning, didn't call.

+1. I tried it like an hour later and went through.

Same here late last night.

Worked for me about an hour ago

Error code 96 ?

What would happen if my mortgage company sent an email saying that the partial payment will be returned? What is your experience how soon you would see the refund from Evolve?

It didn't give an specific error code, just a red window at the top of the screen saying that the payment failed.

Several people have referenced paying student loans and the issue of automatic ACH payments. Does anyone know if you can just submit a payment and then they won't pull the payment for that month? Or do they pull the payment regardless of whether or not you've already paid that month?

Not sure about student loans, but for my automatic ACH car loan payments, after I made a few payments using Evolve, I called them up and they suspended the ACH withdrawals for a few months. I was told that had I not called and just made payments from Evolve, ACH would still pull every month and the excess Evolve payments would be applied towards the end of the loan.

Thanks. That sounds like what most loans would do. I think I'll just skip paying student loans with evolve since the rate discount is too good and I don't want to deal with them on the phone over a couple hundred dollars in spend per month.

The payments I've made on student loans have gone to principal, ACH payments continue t the same rate, however the loan shows as being paid ahead.