Wells Fargo Failed To Refund Insurance Money To People Who Paid Off Car Loans Early Report. Wells Fargo is already facing a blitz of litigation and regulatory scrutiny after the bank announced it would reimburse 8. Now, Wells is facing a new inquiry for failing to refund insurance money as required to people who paid off car loans early, according to The New York Times. Last week, Wells Fargo announced it would reimburse 8. Recovery Suite Unlimited Edition 3 3 Key Unrealistic' title='Recovery Suite Unlimited Edition 3 3 Key Unrealistic' />Read more Read. The newest probe is being handled by the Federal Reserve Bank of San Francisco, the Times reports, and it involves guaranteed auto protection insurance, which is intended to protect a lender against the fact that a carthe collateral for its loanloses significant value the moment it is driven off the lot. Heres more from the Times on why this ended up an issue for Wells GAP insurance, also known as guaranteed asset protection, makes up that difference for a lender if, for instance, a car is stolen before the loan is paid off. Regular car insurance typically covers only the current market value. Because Wells Fargo is a large auto lender, tens of thousands of customers may have been affected by the banks actions on GAP insurance. It is not mandatory for car buyers to carry GAP insurance, which typically costs 4. But car dealers push the insurance, and lenders like it because of the protection it provides. Cancer is the worst. And, maybe thanks to Movember and pink consumer goods, were all extremely aware. Too aware. Because weve gotten it drilled into our heads. When borrowers pay off the loans early, they are entitled to a refund of some of the GAP insurance premium because the coverage they paid for is no longer needed. So not only did Wells fess up to forcing unneeded collision insurance on customersof which 2. Sims 2 Open For Business Torrent Crack Free. A spokesperson for Wells told the newspaper that the issue was discovered during an internal review. We are reviewing our practices and actively working with our dealers and have already begun making improvements to the GAP refund process, the spokesperson said in a statement to the Times. If we find customer impacts, we will make customers whole. And they should. Failing to refund insurance money could wind up increasing the total amount owed by a consumer, as the Times notes, and that figure can take a whack on someones credit report. What a mess. Have a tip about Wells Fargo and its auto lending practicesReach out at ryan. Lazesoft-Recovery-Suite-Home_4.png' alt='Recovery Suite Unlimited Edition 3 3 Key Unrealistic' title='Recovery Suite Unlimited Edition 3 3 Key Unrealistic' />Scientists, Artists, and Smash Mouth Tell Us What Music Theyd Send Into Deep Space. On August 2. 0th, 1. NASA launched its Voyager 2 spacecraft from Cape Canaveral, Florida. It followed up with the launch of Voyager 1 just a few weeks later on September 5th. Over the course of their careers, both spacecraft have explored gas giants and their moons, the Kuiper Belt and more, constantly pushing the boundaries of what science and humanity are capable of. Voyager 1 and 2 both carry a special trinket known as The Golden Record. The 1. 2 inch, gold plated copper phonograph records contains a variety of sounds and music selected by astronomer Carl Sagan and his colleagues. The Golden Record was intended to serve as a greeting for any alien life forms who found itan encapsulation of the human experience through sound. While its extremely unlikely that any intelligent life would stumble across a record hurtling through our random corner of spaceor have the equipment to play itits comforting that a piece of humanity is pressing on, somewhere out there in the void. Recovery Suite Unlimited Edition 3 3 Key Unrealistic' title='Recovery Suite Unlimited Edition 3 3 Key Unrealistic' />FierceWireless provides breaking news and expert analysis of the trends shaping wireless communications. Technical skill alone isnt enough to get an offer from an interview. Krishnan Rangachari describes five major skills you need to project excellent behavioral. Google Home owners will probably be talking to their living rooms a lot more thanks to an update that lets the voice assistant make phone calls to the U. S. and Canada. In honor of the 4. Voyager missions, we asked astronomers and space savvy musicians to tell us what music theyd send if NASA hypothetically launched another Golden Record. Some have proposed that NASA beam out a digital Golden Record 2. New Horizons spacecraft in 2. Regrettably, Pitbull did not respond to Gizmodos multiple requests for commentbut these other responses are still very good Michelle Zauner. Philadelphia based musician, Japanese Breakfast outer space electro pop enthusiast. Songs I cant choose one Michael Jackson song. Aint No Mountain High by Marvin Gaye and Tammi Terrell, Mariah Carey, Fantasy, Whitney Houston, I Will Always Love You, Slowdive, Souvlaki Space Station, Bjork, Bachelorette, Kate Bush, Running Up That Hill. Sounds The ocean, rushing water, wind through leaves, Beyonc singing a capella in her dressing room, Stevie Nicks singing a capella in her dressing room, Mariah Careys whistle tone compilation. Matt Russo. Postdoctoral researcher at the Canadian Institute for Theoretical Astrophysics, musician, co founder System SoundsSongs Here comes the sun by The Beatles. Sagan pushed for this to be included on the first Golden Record but EMI held the copyright and refused. Its time to set things right again. Sounds The most self promotional suggestion possible my own sonification of the TRAPPIST 1 planetary system, which shows the connections between orbital dynamics which aliens are surly pros at and the music contained on the record. Id be especially interested in some feedback from the music critics from TRAPPIST 1 but I may not be around long enough to receive it. Also, the gravitational waves emitted by merging black holes, converted into sound. Id imagine that aliens find black holes just as fascinating as we do so lets let them know were hip to the good stuff. Doug Vakoch. Astronomer and president of METI International, an organization that searches for radio signals from advanced extraterrestrial life. As a NASA mission, its understandable that musical selections from the Western classical tradition and the United States were given preference. In a 2. 01. 7 redo, though, we should be more globally inclusive. Rather than trying to get copyright permission for including Sgt. Peppers Lonely Hearts Club Band, a request the Beatles turned down in the 1. Golden record. After all, the Beatles have already been sent into space, thanks to NASAs 2. Across the Universe to Polaris, the North Star, to celebrate the agencys 5. Ethan Hein. Doctoral fellow in music education at NYU, adjunct professor of music technology at NYU and Montclair State university, musicianI would probably just cast Thriller in gold and send that. Smash Mouth. Grammy nominated recording artists and noted Sun walking enthusiasts. A rep for the band told Gizmodo They said, All Star and Walkin On The Sun of course.