Once again, my wife has had to jump through hoops to deal with the Wells Fargo Bank's failure.
In this case, she triggered an important payment on the 16th of the month. The money was immediately removed from her account. As it promised, on the 23rd of the month it said the payment was "delivered".
On the 30th, she got a notice that her payment was late.
On the 31st, the payment actually got there.
On another occasion, a payment was lost for months because, we eventually learned, of their paperwork problems. In that case, we had to argue with the cable tv company every month to prevent them from turning off our internet, etc. Their computer had no way of dealing with the fact that the banks records had a clear (but mislabeled) record of them receiving the money.
Wells Fargo is, of course, a huge, horrible company. But, I'm accustomed to these sorts of companies being at least marginally competent. I am wrong. Wells Fargo lost the cable tv money for several months. Just lost it and caused a huge amount of hassle. Their Bill Pay service is unreliable. It takes your money. Says it's made the payment but doesn't.
I suggest you avoid Wells Fargo like the plague.