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So you just placed a check in an envelope and mailed it to the bank with no other documents? What did you write in the "memo" field on the check?

Edit: looking into WF's website below, you sent a check with your account number to an address specifically set up to receive mortgage payments—you are being disingenuous with your "comparison".

https://www.wellsfargo.com/mortgage/manage-account/payments

They didn't claim to send an anonymous check - they were responding to the idea that you need pre-clearance to overpay.

What's your point? This isn't a mortgage. Mortgages are much more standardized and don't involve as many parties. Everyone involved with a corporate loan is going to want to have a discussion if there are unscheduled prepayments made. Even more so given that this is a distressed situation.

I imagine there is somewhat more formality around payments of 175MM than there is for 175K.