I tried to set up my student loan payment today. It's a bit tricky to figure out what biller to choose. I sent them a note for clarification. I have Edfinancial services, which shows up under an "auto loan" classification. We'll see what happens.

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I'm not sure if it matters much now but I did a test payment last week then sent the balance of the amount due for my mortgage to Capital One 360. When I logged on to Evolve today I was greeted with a big red "Payment are no longer accepted" box for Capital One.

Thankfully may payments processed through before they were removed. Has anyone else noticed Capital One being removed?

Money is money. Sure, it may be extra step for the lender, but I don't think they would call up their customer (YOU), and say, will you QUIT sending small denominations?

After all, money is money...it's better than NOT getting paid and having to write off the debt.

Isn't there something about "legal tender for all debts"?

I pay my mortgage in pennies, now that I can't get dollar coins.

My mortgage is with BB&T, but Evolve only shows "BB&T Consumer Loans" as a biller option (as a point of reference, ChargeSmart lists BB&T Mortgage and BB&T Consumer Loans as different payees so I am pretty sure the Evolve entry is not simply a catch-all).

Has anyone attempted to make a mortgage payment through a different classification with the same biller? I would think the account numbers are unique and that the payee would figure out where to apply the money, but you never know.

Just send an invoice to Evolve. If you're supposed to pay with BB&T Consumer Loans they'll tell you. Otherwise they should be able to get it added or tell you why they can't. They're pretty good with responding to those inquiries.

Its worked for me paying before the actual due date but all arriving the same day. If it arrives on different days, it doesn't get applied properly. Do you know if this is the case after the due date? For instance, next month's payment is due 6/1, but late charges don't apply until 6/15. Can I have it arrive on separate days after 6/1 and have it applied properly? This is for WF mortgage over $3k.

Not true. Plenty of folks have been told to stop sending small payments when we were capitalizing on bonuses per transaction type accounts.;)

Nope. This was covered time & again when we all had to dump the coins and were being refused.:D

Wrong terminology, he is not talking about the due date, as in the day the payment has to be in by. He is talking about the day the statement is cut to say that your mortgage payment is due by such and such a date. If your mortgage is due on say... 6/1, this date is typcially 5/1. So if you pay on say, 5/15, your new due date will be 7/1, but you wont be able to start making that payment until 6/1. I would not try making payments between when its due and when the late charge is, thats just playing with fire. The answer is to have it all arrive on the same day so it applies correctly without intervention.

My experience with WF is different. After my first Evolve payment went into unapplied funds and hung there, I called WF and had them make the adjustment to cover my payment. I told them I would be paying this way in the future, and they suggested a "work order" that would be attached to my account. This work order states that when my unapplied funds balance hits my payment amount, they move all unapplied funds to cover my payment. This approach has worked perfectly for a couple months now. I pay over two days, when my final payments hits they move the money automatically and immediately. I am sub $2k on my payment. If I was over $3k, particularly with Evolve cracking down on multiple accounts used to pay the same bill, I would just pay over four days. I also pay after the due date. When we initially set up my ACH from my bank, WF actually suggested something like the 7th for the pull, despite my payment being due on the 1st. Never had a problem with that over years and years of history with them.

Another WF data point: I paid my WF bill over 3 days this month (Friday - Saturday - Sunday). It applied correctly.

I did have to call last month, but my timing was off, since I had first sent a test payment to make sure it went through.

Not sure if this is of interest to anyone but I have my car loan with Wells Fargo Dealer services which is a different division to Wells Fargo Auto Loan.

Evolve only has Wells Fargo Auto Loan and not Dealer services. I tested out a payment to Wells Auto Loan using my account number and it went through fine.


Im fairly new to using Evolve and I would like to pay my Mortgage.

Ive read through most of the thread and I saw some points about Barclays shutting down Arrival accounts for using Evolve. Is that in fact true?

I have used some Visa gift cards on Evolve but I dont have the time to dedicate to continuously buying them in $500 increments.

My Arrival card is one of my main everyday cards and I dont want get it shut down.

Just my opinion here, but I think it is far more likely that Evolve will either eliminate the CC option or institute a fee for the service before Barclays shuts you down. Either way, getting comfortable sourcing GCs is probably worth your effort.

Chase mortgage
 

My experience with Chase: I hadn't read the weekend-timing-to-consolidate-payments posts yet, and it worked out for me anyway.

First off, my mortgage servicing paperwork just says "Chase". Not JPMorgan Chase, etc. Given how poor the Evolve search engine is, that had me a bit tentative as well. (Short version: it worked.)

My total mortgage payment is $1,7xx.yy; my due date is the 1st; I'm on autopay from my checking.

• On Monday, mid-morning, I submitted a $900 payment, which Evolve queued for Wednesday.
• On Tuesday, mid-morning, I submitted a $8xx.yy payment, i.e. the balance of the exact usual amount.
• On Wednesday, about 0715 PDT, I got a "payment received" from Chase. Checking the website, it showed the $900, and in the breakdown, it showed none of the funds applied.
  
  http://img.photobucket.com/albums/v4...y.png~original
  Later on Wednesday, the payment on Evolve clicked over to "Delivered". (I don't think it means anything, but I thought it was interesting that they were not in sync, and that Evolve changed status later.)
  
• On Thursday, about 0715 PDT, I got another "payment received" from Chase. This one showed the $8xx.yy, but under the detail, it showed the combined total correctly apportioned:http://img.photobucket.com/albums/v4...y.png~original
  ...and (strangely) an additional line of a $0.00 payment, also dated today.

Note, FWIW, that I didn't contact anybody before, during, or after -- not Chase, not Evolve. It all just worked.

Mortgage, water, power, and gym are the four monthly bills I have that won't directly bill credit cards; the first three are on Evolve, and I've sent them the gym's info -- if this works out (to include the billers correctly not pulling an autopay on the due date) I'll keep doing it.