Wells Fargo Financial Cards THEY KICK YOU WHILE YOUR DOWN AND CUSTOMER SERVICE IS NOT THERE TO HELP Internet

MANIPULATE & DECEIVE their customers, right?

You seem to have some mis-understandings of how a credit card works and who's money it actually is.  As nothing you described here is any different than other credit cards.  Especially if you were having problems as it appears to be the case.

1. Just be lucky they have not moved you to a higher rate.  Based on what you have described some companies will have you at a 30+ percent interest, lower your credit line, and/or close out your card.

2. It is NOT your money.  For some reason this is a big point that people don't seem to understand.  They are granting you a credit privilege to use THEIR money and pay them back based on the terms YOU agreed to when you got the card.  You paid them back money you had already borrowed, they recorded the payment and it is up to them when they let you have access to THEIR money again.  

3. If finance charges caused an over the limit fee, then you were already near your limit.  Which if this is the case you should not even be trying to use the card again.  It is a credit LIMIT that does not mean that you should use up to that amount.  Ideally you should always try to use no more than half.  If they give you a $1000 credit limit, you need to think you have only $500.  This way not only would your minimum payments be smaller(if you can only make the minimum), but it is impossible to get any over the limit fees.

4. They probably did when you were on the arrangements.  They also may waive them one or two times but after that your chances are slim to none.

5. You originally stated that you were on payment arrangements so were you on payment arrangements or not?

6-8.  See Number 2

9. If you were on payment arrangements that is usually a different department and it is a very good chance that they do not have access to that.

"Better Half" did! She canceled her Wells Fargo checking account and opened an account with a bank that is not a publicly held bank. She was also fortunate to have cashed-in all of her stock back in June of 2007, well before the COLLAPSE of our economy and the stock market.