Americas Servicing Company

We bought our home in 2005 and the original lender was great to work with. Unfortunately, our loan was bought by the now infamous ASC and Wells Fargo. From the first month, we have endured a nightmare and the nightmare continues today. Through a combination of work changes and the constant deceit and lies from ASC. we finally gave up and moved out of our home and told these people to take the house and be done with it. For over a year, the home sat vacant and no payments were made. They came to us and told us that we could qualify for a loan modification if we moved back into the house and began to once again make payments.

To make a long story short enough for someone to actually listen to, they could never complete the agreement we asked for and today they still can't tell the truth, have us talk to the same person twice or even be any help at all. Once again, we have just about had enough and don't know where to turn. The question we ask ourselves is: where do we turn and who do we talk to? I guess that we, just like so many others have just figured that no can do anything about this devious and deceitful company that does just as they please. Our story alone could be the making of a good (or not so good) novel and there is just not enough room or time to go on inside the pages of these complaints.

The following is a copy from another consumer but is so in detail describes my experiences and opinion of ASC, that I copied and it in the effort of saving time since I could write a book on how terrible this company treats its customers, and after 19 months, and using my inheritance from my mother's passing to get caught up on my mortgage. I get immediately kicked out of the Loan Modification Program. This company sucks big time!

Helpful? No.

If I could rate ASC lower than 1 star, I would. I read through all of the consumer complaints here and it sounded so exacting to my continuing experience with ASC.

I have been self employed in the Handyman business for over 5 years. The housing and economy created a major downturn. Before getting behind on my mortgage, I took the initiative to look into the federally funded "Making Homes Affordable Program" and Loan Modification options. I met all qualifications for the modification program, so applied, asking only for a lower interest rate, from 7.9 At this point, I'm still not even one payment behind on my mortgage.

On August 14th, 2010, I called ASC and began the loan modification process. I explained to them that I was ineligible for the "Making Homes Affordable Program" & that I wanted to apply for their internal program. They told me everything that I needed to submit and provided me a fax number. I faxed all the documents from my fax and called to check if they got the documents. They indicated that they never got them. This happened 3 times. I then went to a Wells Fargo Bank where I asked them if they wouldn't mind faxing the documents from there because I thought there may be a problem with my fax machine. They faxed the documents and provided me a transmission log print out proving that all the documents sent successfully. ASC still supposedly never received the documents. I then mailed the documents to them by certified mail.

I insisted that they provide me an electronic way to provide documentation and they provided me with a secure web-based upload facility, which was password protected with a 30 day temporary password that would need to be updated after 30 days.

They strung me along, just exactly as they have everyone else who has complained here. Having me resubmit documents and tax records. Indicating I need to add the names of all of my DBAs on all of my documents (which wasn't a requirement in the initiation phase). Then another month would pass and they would have me submit that month's profit and loss and bank statements. Then they had me go back to the beginning documents and resubmit them all over again with a month to month profit and loss statement for each month instead of the quarterlies which were originally requested. This process was supposed to only take 30 to 45 days. From the beginning I was assigned a "Home Preservation Specialist" then another, then another. Every time I would call I'd have someone else to deal with that knew nothing. During this entire period, I was supposed to receive phone calls from this person any time there was activity concerning my loan modification process.

She never called me, not once. I called and left her message after message over a period of 3 months to which they rarely returned my phone calls. I spoke to them twice: One time when I called in used her extension, left them a message, then pressed zero to speak to a representative and then they picked up the phone because I was the next caller in the queue and another time after doing the same thing and speaking to another representative and they were able to get them on the phone. I have spoken to over 25 representatives at least twice at ASC including a supervisor named Taiwan Sessions, who when I was first given his number it went to a voice mail that said "There are too many messages in this mailbox to leave a message".

Regardless, the only reason I was as aggressive about this modification was because my savings had ran out and my income was drastically reduced by the economy and my hardship. Additionally, I would have never spoken to anyone if I wasn't the one making the phone calls to find out what was needed, what was going on and when would I get an answer about my modification.

In April 2011 my modification was denied and immediately after that my home went into foreclosure. I found out that during this entire time, ASC was running my application for the federal program I had already been deemed ineligible for "Making Homes Affordable Program". From the beginning, these inept, incommunicable and unprofessional morons were running my application for something outside of what I initiated with them and/or requested in the first place. They are the reason, through their inaction, that my house went into foreclosure. Now I am caught up but in the same position that I was two years ago, still struggling to make ends meet.

For months now, I have been trying to get someone to help me with making payment arrangements or a loan modification. I have been given several different people to work with. The most current, who never calls me back (none of them do), almost always has a full mailbox. I left a message for the supervisor, no return call. I have kept a log of trying to contact them. I finally pushed and someone told me that since I am in a Chapter 13 bankruptcy (which I have been in for almost three years now), that all of a sudden no one can talk to me. The voicemail for those that I try to contact say they will contact me within 24 hours. Is that 24 years? I spoke with my bankruptcy attorney and he faxed them (and mailed me a copy) of the okay to talk to me about my loan. Apparently, they had to talk to him before this but no one contacted him either. Help! I don't want to lose my home but don't know what to do.

We put a 20% down payment on our home 6 years ago. We never missed a payent. Our FICO score is excellent. ASC originally advised we didn't qualify for an interest rate reduction from 8%, because we were not behind in our loan. Persisting, I asked to go through an official refinancing. ASC said Wells Fargo now requires 25% down payment, and I would need closing costs of about $4000 and another $5000 on principal.

With sufficient income, excellent credit and after jumping through all the above-mentioned hoops, faxing and mailing everything, the loan revision was denied, because foreclosed houses in our zip code sold on the courthouse steps for less than the market value. According to ASC, we owe more than our house is worth. I believe ASC will give any excuse rather than reduce the interest rate on a loan. Has anyone ever had a good experience with ASC?

Similar to other complaints, I have tried to modify this mortgage approximately four times. Every single time, I have been turned down for one reason or the other. And like others, I was asked to pay a higher amount than the original payment while the modification was in review. After about six payments, I would have a denial and this was only after I made countless calls. No one ever knew anything and I was always being told that it takes time. Finally, I was approved last year. I received and sent paperwork back via fed ex but never heard anything else. When I called approximately three months later, I was told that a fee was required with the paper work. I told them that I was not aware of this fee but, no problem, I would send the required amount. ASC then told me that I would have to re-file for modification. I was furious because no one ever contacted me to tell me that I failed to provide the fee that was required with the paperwork. They called me for payments but did not bother to call me to ask for the so called fee.

I'm beginning to think ASC is nothing but a collection company that just sucks all the money possible out of the customers whose loans they are servicing and have no intention or authority to talk to anyone about a loan modification. These negotiations must be handled by a separate division of ASC and is designed to increase company profits. I would question whether the employees in this capacity are paid commission on the amount of money they are able to collect.

Since this seems to be a pattern, I would like this scenario investigated. Is there a gutsy attorney out there that would like to take these dishonest thieves to task?

If I could rate ASC lower than 1 star, I would. I read through all of the consumer complaints here and it sounded so exacting to my continuing experience with ASC.

I have been self employed in the music business for over 25 years. I made a lot of money for many years making hit records. The business started to make a change because of digital distribution and took a serious downfall about 4 years ago. Knowing that this would affect my recording business, I began diversifying and building my business into areas of licensing and management. This part of my business is growing rapidly, but my income from the recording business basically stopped.

Before getting behind on my mortgage, I took the initiative to look into the federally funded "Making Homes Affordable Program". Because I live in Tennessee, I was told in my application process that I must go through the State program "Keep My TN Home" because it is under the federal program.

After completing the application process, I was denied and told that my mortgage loan was ineligible for the program because the lender on the loan was actually FHA. They advised me to contact ASC because they have an internal loan modification program that I would automatically be eligible for since I was ineligible for the federal program through the state of TN. At this point, I'm still not even one payment behind on my mortgage.

On April 14th, I called ASC and began the loan modification process. I explained to them that I was ineligible for the "Making Homes Affordable Program" & that I wanted to apply for their internal program. They told me everything that I needed to submit and provided me a fax number. I faxed all the documents from my fax and called to check if they got the documents. They indicated that they never got them. This happened 3 times. I then went to CitiFinancial where I have my second mortgage and asked them if they wouldn't mind faxing the documents from there because I thought there may be a problem with my fax machine. They faxed the documents and provided me a transmission log print out proving that all the documents sent successfully. ASC still supposedly never received the documents. I then mailed the documents to them by certified mail and they received them on May 2nd.

I insisted that they provide me an electronic way to provide documentation and they provided me with a secure web-based upload facility, which was password protected with a 30 day temporary password that would need to be updated after 30 days.

They strung me along, just exactly as they have everyone else who has complained here. Having me resubmit documents and tax records. Indicating I need to add the names of all of my DBAs on all of my documents (which wasn't a requirement in the initiation phase). Then another month would pass and they would have me submit that month's profit and loss and bank statements. Then they had me go back to the beginning documents and resubmit them all over again with a month to month profit and loss statement for each month instead of the quarterlies which were originally requested. This process was supposed to only take 30 to 45 days. From the beginning I was assigned a "Home Preservation Specialist" named Cheyna Ross. During this entire period I was supposed to receive phone calls from this person any time there was activity concerning my loan modification process.

She never called me, not once. I called and left her 67 messages over a period of 3 months to which she never returned my phone calls. I spoke to her twice: One time when I called in used her extension, left her a message, then pressed zero to speak to a representative and then she picked up the phone because I was the next caller in the queue and another time after doing the same thing and speaking to another representative and they were able to get her on the phone. I have spoken to over 25 representatives at least twice at ASC including a supervisor named Taiwan Sessions, who when I was first given his number it went to a voice mail that said "There are too many messages in this mailbox to leave a message".

Regardless, the only reason I was as aggressive about this modification was because my savings had ran out and my income was drastically reduced by the economy and my hardship. Additionally; I would have never spoken to anyone if I wasn't the one making the phone calls to find out what was needed, what was going on and when would I get an answer about my modification.

On July 20th my modification was denied and immediately after that my home went into foreclosure.

I found out that during this entire time, ASC was running my application for the federal program I had already been deemed ineligible for "Making Homes Affordable Program". From the beginning, these inept, incommunicable and unprofessional morons were running my application for something outside of what I initiated with them and/or requested in the first place. They are the reason, through their inaction, that my house is in foreclosure.

We are filing a complaint against ASC for not modifying our loan on time. We have been trying to modify our loan for the last year and a half. ASC continues to tell us that our loan is in review status. They have requested certain documents and we have submitted all of them. We have spoken to various people from ASC and have left various messages and no one has returned our calls. We are tired of the runarounds and nothing has been done. This company is filled with incompetent individuals. I believe the main goal of this company is to take people's homes away from them. TERRIBLE!

We called the company to let them know that we would be a little late (about 2 weeks late) with our payment in October 2009. They told my husband that he would have to make a payment arrangement that would start in November 2009. He made every payment like instructed, and at the end, he was told that he qualified for a loan modification. After all the paperwork, he was given instructions on when to start making the payments. He had to make a small upfront payment and then they would start. He waited to receive a packet, but it never came.

After making the second payment, he was informed that he didn't qualify and that he owed $2,443.08. If it was not paid within a few days, he would pay $3,664.62. We paid the $2,443.08, a money that we didn't have, just to keep from foreclosure. Then, our payments got higher and we got an attorney. They would never say what the extra money was for. Shouldn't we know what we're paying for?

After three months, they reduced our interest rate to 6.5%. On our monthly statement, I see a bunch of payment reversal. They never report our payment on time. That's why we could never get out of this mess. We have two different bills for November so we don't know which one to pay. They would not talk to the attorney, but he wrote them a letter and they did do better by us. But they still cheated us out so much money.

In reading all the other complaints, I find them to be a mirror image of what has happened to us. It has been a merry-go-round for several years. We have paid out lots of money trying to keep our house from being taken from us. In the beginning, we had very good credit and I became ill. We refinanced with a company, unknown to us that stole investors' retirement money (Home Gold).

They sold the note and filed bankruptcy. Then it was on, every time we thought we would be late, they pretended to want to help and do a work out plan. And by the grace of God, I realized something and told my husband, this happens every year. This time has been far worse. This time we were offered a loan modification and were given the run around just like the others and we ended up just like the everyone else. Late fees and piled up escrow charges. We could never get a respond from anyone. What's worse we paid the fees of over $2,433.00 and didn't get it applied to our loan, it just kept going up.

We acquired an attorney and miraculously, the same day the attorney contacted ASC, our payment showed up. But we paid the amount way before that date. Now they say we're 2 months ahead of schedule. We can't give up. These people have got to stop this. We've never had any peace since this company has been in our lives. Help! Somebody! How they be allowed to get away with this? They have ruined our credit, and caused us not to be able to pay anything but them.

A few months ago, after consulting with an attorney and a distressed property realtor, we started to find a buyer for a short sale. Fortunately, we were able to secure a solid buyer for a good market value, and submitted a complete short sale package to ASC for review. During the last few months, they kept saying that they've lost documents and need resubmission which we have done like 10 times. Then comes the news since our reason is relocation for work, not financial hardship, ASC will not even look at our short sale package.

So after giving us the run-around, they simply refuse? I am so angry with them and wish that I had just let the house go into foreclosure in the first place instead of spending so much time and energy to do a short sale. ASC is horrible to work with, and they do not use common sense or offer any real help to people. They just do the run-around so that they can collect government bailout money. Something should be done to these lenders so that they don't treat people like garbage anymore.

America's Servicing Company, an arm of Wells Fargo has given me the runaround as it pertains to our mortgage since September 2009. They required me to get behind in payments just to have a conversation with me about modification. Every month I was required to send in the same information (verification of income, hardship letter, monthly budget) until January 2010. They sent a letter stating that my home would go into a foreclosure auction on February 2nd, and a day later a letter arrived offering to place us in the Making Home Affordable Program with a reduced payment for five months.

We signed the agreement, although the payment remained outside of the recommended 31% of our net income. They stopped the foreclosure auction and we made every single payment on time. At the end of the five-month period, they requested a full payment within the next week. The program was completed on May 28, 2010, and they wanted a full payment on June 1, 2010. This was impossible for us. I spoke with three different representatives, received three different answers. On June 24, they informed me that my loan would not be modified. I was already aware of this as I attended a NACA event on June 4&5. After sitting in a chair for over 34 hours, a Wells Fargo/ASC representative informed me that the investor on my loan would not agree to a modification of any kind.

They could not explain why they wasted five months of our time and over $10,000 in on-time payments--we felt they should have checked with the investor before we began the program. I was able to get the name of the investor from the Wells Fargo representative--it is GMAC. I contacted GMAC to try to initiate conversation, they hung up on me without any discussion. It took me from September 2009 to June 2010 to find out that neither ASC nor Wells Fargo owns the mortgage and they have no authority to make any decisions around a modification. We suspect they strung us along to collect fees as we now understand after having lengthy conversation with mortgage brokers and realtors that they are paid on a percentage basis for the funds they are able to secure from the consumer.

We don't know if GMAC financed an investor or group of investors and that is who is ultimately making decisions around the mortgage. My husband is totally disabled, end-state renal disease. We lost over 55% percent of his income in 2005, one year after purchasing the home. I work for a large non-profit organization in Atlanta, GA and experienced a temporary 10% cut in pay last fall and a permanent 5% cut in pay in January 2010. We have tried to maintain the house and honor our original agreement, but multiple surgeries, and other bills/expenses related to the chronic illness has pulled us underwater. We just want to be treated fairly. They now offer us only two solutions, Deed in lieu of Foreclosure or Short Sale.

Last week, they stated because their is an equity line with money due, we can only do a short sale. Now we are having difficulty securing decent housing at an affordable rate because this has destroyed our credit. We are current on everything else, but may be driven to bankruptcy.

I was in an accident that disabled me so I'm now unable to work. I called ASC for assistance; they told me that I may be able to get a modification. I turned in everything that was asked four or five times and finally, I was accepted in the loan modification program. So I thought I made all my payments ahead of time and kept updating my information for four or five months. The trial was only for three months but they said that my paperwork was still in review so I kept paying and kept updating my paperwork. I called back the next month and they said they needed my wife's bank statements and mine and to send it in with my next payment. So I did the next month.

I called to check on the modification. I was told that I was denied because they didn't get the information but that they got the payment. My question is how did they get the check but not the documents? It was all together; you had to open the documents to get the check but they insist that I never sent them. So I raced around to fax everything back the same day and now I don't qualify. On top of that, all the time I had been paying money on the trial period, they reported me thirty days late every time like I paid nothing at all. Being on the program has made me seven months behind and they have already started the foreclosure. Now they say I owe $9,574.29. This company is no good. By all means their plan is to string you along till your so deep there's no way you can get out. They want to take your home, sell it to a bank as a foreclosure and then come back to get the rest of the money they didn't get from the sell. I really wish I could bring a lawsuit against them, I really do. If there's anyone that can help, please, I beg you, help!

My registered domestic partner, George M and I (a same sex couple) bought our house on Saranac Street in 2000. The first and second mortgages are both in his name due to a bankruptcy on my record that has seen been expunged.

George became incapacitated in 2003 and passed away from cancer in April 2007.

The title was held in both our names as Joint Tenants with rights of survivorship, and after his death the title was conveyed to my name only as sole owner of the property.

We had never been late on any payments.

In March and then again in May of 2009 I contacted ASC, informing them of his passing and seeking to take over the loan and make me the official and responsible for the debt. They asked that I fax over specific documents proving my relationship to the deceased. On both occasions, I faxed:

*the grant deed conveyed to me alone.

After the first faxing, there was no follow up or response from the legal department at ASC.

After the second faxing, there was a request for additional documents which could not be produced post mortem. The name of the addresse on the monthly statements was changed to "The Estate of George E. M, III"

I was employed at the time having an annual salary of more than $100,000.

In September 2009 I was laid off, and continued making the payments as promised. I did not hear from ASC except for the monthly bills.

In March 2010, a refund was mailed to "Estate of George M, III" for an overpayment to the escrow account for property taxes. The amount was around $2867.00 or greater than two months mortgage payments.

I endorsed the check "For George E. M, III by Mark M as his attorney in fact". I now understand this endorsement was not proper, but it's what I had done in these matters at my other bank. Nothing illegal or misleading was intended. I deposited the check into my account using an ATM. The funds appeared in my checking account balance but were being held and inaccessible.

I am now involved in an endless tug of war with no funds being released and my North Island Credut Union representative stating that it ASC (Wells Fargo) legally has up to a year to resolve the issue. Having the check re-issued in Mr. M's name will not correct the issue, and I am without legal means to access and use funds that I paid as a part of the mortgage payments.

When I asked how do I go from paying my payments not exactly on time but not months behind they cannot give me an explaination to how I am now in foreclosure status because I did not qualify for their loan modification program. I am currently 6,000 behind in my payments but I have been making monthly payments. I still cannot get an answer. I need asssistance to have this matter resolved. Apparently the progam did not help me at all but made it difficult now with putting me 6,000 behind

I have been with ASC for 15 years. I have always paid my bills on time. I am a house wife and recently my husband got hurt working and he is self employed. We have come through some rough times. We have tried to get a loan modification through ASC. Each time we tried it cost us $200.00 to fill out the paper work and each time we sent it in they denied it and said something was missing or something was wrong with the paper work. We tried for a loan 4 times. Each time we called we had to talk to someone different, therefore telling our story over and over again many times to different people. When we talked to someone they didn't have many answers to give us. We also tried to talk to a manager or supervisor and was told we could not talk to a supervisor or get anyone's extension numbers. I don't know what to do and I am afraid of losing my home.

I am dealing with this company for almost one year to get loan modification. They keep me in circles because i got qualified for trial payment and they did not approve So I got denied again saying i was qualified for the government program. Then another thing they told me was that I was qualified for the forberance program. So I did three trial payment again. You guys keep giving me excuses to go forward with the loan ,continuing making my trail payment. Nothing has been done with my loan so, i was very frustrated with this company. There not trust worthy, if there for real or just want to keep charging us the late fees. They keep asking me for more documents and i try to be patient with them. But, this is primary property and i need help keeping my home because i have another lien on this property. What they should do is to help me modify my loan and not cut property in half!!!! Please help us regarding this issue. There not doing there job to help us to stay in our home.

I was granted a permanent home loan modification with America's Servicing Corporation (ASC)/Well's Fargo Home Mortgage at the NACA Home Save Program on December 12, 2009. I negotiated with a Well's Fargo Representative by the name of Janet ** and also with a NACA negotiator as a witness by the name of Mr. W. With the help of NACA, I was able to secure a modification of my mortgage by signing the agreement at the NACA. Dec. 12th event that stated that my modified mortgage would take effect on March 1, 2010. Up to this date, ASC refuses to acknowledge the executed agreement that was approved by their parent company Well's Fargo.

ASC has received my mortgage payment in full and on time for the agreed amount as stipulated in the modification agreement, ASC has also cashed my checks and refuses to apply them appropriately to my loan account and has repeatedly lied stating that they have no copies of the modification agreement in their system and therefore will keep the payments in suspense. Eventually after months of calling, ASC admitting to seeing copies of the executed modification agreement in their system but said that they will need to conduct the modification all over and requested for me to resend documents that were already sent and approved from September - December of 2009.

Not only has ASC repeatedly lied and committed fraud against my approved loan modification they insist on harassing and calling my house with messages that I am behind in payments and need to contact their collection department. They refuse to acknowledge the already executed agreement therefore refusing to update their systems accordingly to what Wells Fargo Home Loan Mortgage, their parent company, has already approved. Can someone please help to elevate this blatant form of consumer abuse, fraud and deceptive practices of America's Servicing Corporation? I maintain documentation of all conversations and correspondence with ASC and can prove their gross and deliberate attempt to defraud me out of my home.

ASC has falsely tacked on late fees and fines on mortgage payments that have been paid on time for the agreed amount as stipulated in the ASC has falsely tacked on late fees and fines on mortgage payments that have been paid on time for the agreed amount as stipulated in the modification agreement that was executed on December 12, 2009. Through ASC negligence they have negatively affected my credit.

In January of 2010, ASC remodified my mortgage loan reducing interest from 9.45% to 6%, which lowered my monthly mortgage payment saving me $300. I received documents via UPS March 9, 2010 outlining new mortgage payment agreement to begin May 1, 2010; signature page and page to initial agreeing to terms and conditions. My husband and I initialed and signed documents and returned them within the 10 days required in order to activate account. Friday, April 23, 2010, I called out of concern due to not receiving a statement, when first payment due May 1st.

I was informed there was an error during the restructuring and that my contract was rejected April 12, 2010 for contribution fees not paid. I was not aware of these fees nor was it stated in the outline of the contract agreement. I have made numerous calls to try and resolve this issue, has gotten nowhere. I should not be held responsible for this so-called error. How convenient they find this error when I called, what if I hadn't called? I was told not to make this payment or it will be rejected and sent back until mortgage is reworked by negotiators and new paperwork is reissued. I was also told this would not affect mortgage payment. I'm so confused.

I'm trying to obtain a loan modification since October 2009 and am consistently required to send updated info and told every week that it looks great and that it appears I am accepted and then a decline letter comes and again I call and they say "no", everything looks great, we just need an updated stub, info etc.. which again is sent only two weeks or so apart and again everything looks great. It's like they're dangling a carrot and I have no one to trust.

I lost my home I wasn't able to get an affordable modification loan under the president new law.ASC jacked me around for 2years & as Jan 15, 2010 I have to vacate my home. I was treated unfairly ASC didn't even try to base the modification on my income it just kept increasing i personally believe that ASC did not follow federal govenment laws that were regulated an investigation need to take place on their mortgage standards i just don't have the to file a law-suit against but if i did i would i have filed with BBB, Dept of Corporations,ETC. something needs to be done or either brought to Obama's attention too many people have suffered when he gave the Banks all that $$ and basically you can count on 1 hand who has received an affordable modification loan it's truly sad that these big organizations profit off of hard working americans So if there's any way that you can assist me I'd TRULY APPRECIATE IT THANK YOU & HAPPY HOLIDAYS!!

I gotten behind summer 2007 about 2 months so when I called to request for repayment option, they said I may qualify for loan mod and that I would have to send 1779.00 for a contribution down payment by October 20,2007 to start up and next payment would start 12/1/07. They also stated over phone that they would send a packet out with new payment amt and for me to read, sign and return. I worked ample amts of overtime and came up with the money and cust serv rep assured me that I would receive packet. December 9th I received letter stating my loan mod was denied b/c I failed to make the 1st payment in December. I immediately called and reported that I never received a packet with my new payment amount. After CSR reviewed records, they found that they never sent packet, he apologized and assured me that he would sent info to supv and re-do loan mod, and they would suspend my payment of 1799.00 until they re-do loan mod and to check back next week.

I called the next week and received the run around. Finally I spoke to supv and they said per wells fargo that I would have to make 3 payments on time starting in February of 2008 on time by the 15th of each month and then call them back and they will redo a loan mod and 1st payment would be in July 2008 around the same payment. After April 15th 2008 the next week I received new mod packet showing that I would need to send an additional 3000.00 to start new loan mod. I was outraged! I was not told it would be done this way. I then asked them what happened to the 1779.00 I sent in and they said they only saw 1000.00 in suspend and the rest of the money was pulled to go to late fees and escrow. I was not about to give them another 2000.00 because they were not trustworthy and every time I called I got a different CSR or Loss Mitigation rep that told me something different. To sum things up I spoke with a loss Mitigation rep by the name of Lakeisha who would not return any of my phone calls for a month, finally I reached her and she said another rep should be handling my case and that she was thrown under the bus. She gave me extension to other rep and she directed me back to Lakeisha who ignored my voicemails and calls, I sent emails to supv but did not get a return, Finally August 2008 came around and I was afraid of being foreclosed after receiving several notices from lawyers, I just moved out.

About 2 months after I moved in August 2008 I get a phone call from a higher up in the company and he said he would get a rep to take care of me. I spoke to someone who promised to lower my interest rate and that I did not have to pay any lump sum upfront and that my payment would average to about the same as before a month. I get a packet in the mail showing my first payment would double which was other things added on. At this point I just decided to throw the towel in because this company was just untrustworthy, they are liers and they give people the run around. I went back over to the house in early 2009 and the locks had been changed so I thought they had foreclosed because I started receiving letter with auction dates and foreclosure warnings. Now just last week Nov 5th 2009 a letter from city code compliance states I will get fined if I don't go board up my abandoned house and cut the grass. I thought it had foreclosed by now. I then called my mortgage company and they said I was in collections but I am about 20 months past due, and they were talking to me like this was all brand new and like I had just gotten behind, they advised doing another loan mod thru them.

This is so confusing, so I really don't trust doing another loan mod request with them. They advised me to send in my financial info and bills to see what they can do for me. I am terrified, but I do want my home. I have well over the income to make my payments but I don't trust doing another loan mod with them. They are unorganized crooks and this company needs to be shut down! To make this worse, I go back to the house yesterday and the house had been stripped of everything from the copper out of the walls to the entire heating and cooling system. Now I am stuck with maintenance and repairs or I will be fined up to 2000.00

I received a letter from America's Servicing Company which is a subsidiary of Wells Fargo Bank explaining that I am eligible for a mortgage loan modification that could assist me in making my loan affordable. I currently have a loan with an ARM interest rate of 9.25% which has made my loan unrealistic and above 31% of my income. I have lived in this house for approx. 20 years and could afford this mortgage under the Presidents Loan Modification Program I qualify and very willing to work with my mortgage company. My biggest frustration is that AMS does not bargain in good faith. I am not sure as to who actually owns my loan. Upon contacting Well Fargo , I was informed that Wells Fargo's Modification Department handles all of the loans yet I receive false promises from ASC customer service Dept.

For over 3 years I have been unsuccessfully struggling to get this servicing company to give me a fair loan modification of my mortgage. I have an unaffordable mortgage due to predatory loan arranged by an attorney by the name of Stanley who also stole the equity out of my home. For 3 years they have lied about not receiving my paper work refusing to modify my mortgage and deliberately have worked against the loan modification program set by the Treasury department. I am now working with NACA as a third party to intervene in this painful process. ASC continues to lie and conveniently loose paper work in an attempt to speed up a possible foreclosure process. I have a letter from ASC dated 9/3/09, stating that I should do a short sale or a deed in Lieu of foreclosure to my home of over 10 years.

Please help.

At that time I did not know American Servicing is Wells Fargo. My mortgage got behind and American Servicing led me to believe that they were working on modification up until my house was sold. In fact I received a letter dated August 21st, 2009 stating request for pre-foreclosure sale has been cancelled and my file was closed (letter enclosed).

In addition to other major problems my husband is ill; I am ill recovering from a double bypass heart surgery and a second surgery due to complications. I am having a very difficult time, I am not able physical nor mentally to move out of my home. I am trying to recover from heart surgery and now this; it is very hard trying not to have to go back to the hospital. It hurts even more to know that this was caused by someone else not me. This was the banks mistake and all of the situations that followed.

Please help me to keep my home I have worked very hard for my home. I am eighty years old and ill it is not easy to find a decent place to live.

I currently have a mortgage with America's Servicing Co. and it is owned by Wells Fargo Bank. I have been trying to do a loan modification since April 2009. Since ASC seems to be overwhelmed with applications I have had to resubmit my paperwork 4 different times. In August ASC informed me that I was pre-qualified for the HAMP program. I was told that a package would be mailed out to me to get more information.

I never received a package and when I called to inquire I was told I did not qualify for the HAMP but perhaps I would qualify for something else. I was asked to fax over my husband's paystubs and an updated Profit and Loss statement for my company and on 9/9/09 I resubmitted this information.

On 9/16/09 ASC called and told me that they would be sending me out paperwork to sign to be put into a forebearance program in which I would have to pay $3743 for the next 3 months. This special forebearance modification would not help me since my original mortgage has gone up to approximately $3900. I am in this situation because I am self employed and my business has suffered significantly due to the economy. I have had my business sine 1997.

I am in the process of trying to find work in this overburdened economy. My household now has to rely on my husband's income to pay household expenses and unfortunately it is not enough. ASC does not seem to be willing to put me into the HAMP program or a more suitable program that we could afford and this process is putting us deeper into debt.

Each month thereafter I began receiving past due collection notices and phone calls with an attempt to collect a debt. ASC continued to tell me month after month not to worry nor make any payments until the modification was complete. This went on for 6 months. December 2008 I received a certified letter from Wilson & Associates Attorneys at Law stating property was was up for auction with a sale date of January 7, 2009.

I contacted Wilson & Associates and was informed they received information from ASC stating my loan was in default due to non payment. I immediately contacted ASC for an explanation, Once again I was told not to worry this was part of the modification process, The account remained active with reports of 30,60,90 days late due to non payment. Two weeks later I received packet in the mail detailing new mortgage loan information along with forms that required my signature to complete the modification.

This process has caused blemishes to my credit. Showing I've been late 3 to 4 consecutive months within the last 12 months, which was a result from the modication during that time frame, ASC is charging me attorneys fees of 1268.44 in addition to my mortgage payment. Talk about add insult to injury. I shouldn't be held responsible for any attorney fees. In my honest opinion I think accounts should be placed on temporary hold until process is complete to avoid this from happening.

On April 30, I called to check status and was told that my signature was missing on a document. I disputed what the representative was saying then she changed her story and said that all appeared fine and to wait another week or two. I called on May 7 and still no answer on status. Today, May 11, I called and was told my unemployment verification was missing so I re-sent for 4th time. I feel like they are sending me in circles and not being truthful. I've given them ALL pertinent documents and it's still some excuse. I have always paid on time, never late and trying to to do the right thing.

Consumer Affairs 2/10/2009 I was and am currently paying over 9% interest Adjustable Rate Mortgage to Americas Servicing Company. I am also struggling to keep up with the payments. SEVERAL times I applied and correctly followed the steps to get into a program that would allow my to receive fixed, lower and affordable interest rate. My requests have been denied all 3 times. Each occurrence has a different reason such as I forgot to send a W2 (though I did), we don't see this expense (though it was detailed on the application),we need to see pay checks (though they were the 2nd and 3rd items in the fax and ASC had copies during verbal disputes), etc.

Any time there was a delay due to alleged missing documents, papers, files, etc., the process would take several weeks for an update or I have to re-apply (2 xs). I would get calls on the 11th hour from reps and would respond immediately only to hear undisputable bad news. When asked for a review of the information they were using to compute my finances, Sherrod, Mark and Ashley (CSR) were all INCONSISTENT. I asked for L. Cypress (boss) and also left messages on her machine yet I have never spoken to her. I would leave Mark W SEVERAL messages in order to follow up but he would only be responsive when I would catch? him at his desk. He would tell me that he will call me in 2-3 days with an update. I would end up chasing him for 2-3 weeks. I KNOW that ASC was selecting and neglecting specific criteria to include in their formula in order to calculate a figure that disqualified me every time.

I FAXED OVER THE SAME PACKAGE EVERYTIME. IN FACT, I AM LOOKING AT IT NOW! That same package was consistent on my behalf, yet never on theirs. I do not act irate or ignorant towards customer service persons. I act professional at all times forcing my surroundings and those involved to mirror my image. Not once did I curse, antagonize or act offensive toward ASC or any of its workers and affiliates. I have been very timely, compliant, patient and respectful of the jobs of ASC and never detailed and acts of dishonesty or untruthfulness with my applications. For me to be avoided, denied and neglected in this unprofessional manner does not define customer service at all.

This experience has made we wonder who and what I am really dealing with as I see $215,000.00 of debt on my credit report owed to ASC. I am happy and more than willing to pay it off however at the rate that I well deserve. Going forward, I am 1 week out of surgery from an Achilles tendon rupture. I do have benefits however I need fixed rate on my mortgage. I am upside down every month and soon to get worse. As aforementioned, I am being purposely neglected from a company that is heavily benefiting a profit margin to great than qualified.

I have tapped into my immediate family and circle of friends to continually borrow money. I am borrowed out! causing stress on my less than 1 year marriage as well. I have maxed out the rental unit to the top of the market which may cause my clean and consistent tenants to leave.

I bought the house in June 2005 at $368,400. I was told to make 3% down payment and I paid $15,500. Right from the onset, the mortgage was broken down to two. The 1st mortgage of $294,400 was adjustable and the interest rate was 6.25%. My monthly mortgage payment was $1,553. The 2nd mortgage was $74,000 fixed at 9.99% and my monthly mortgage payment is $645. Between 2007 and present my 1st mortgage rate has risen to 8.75% with monthly payment of $3,038.

Since November 2007 I have been making several attempts to the mortgage company to modify the loan to a fixed rate with a lower interest interest. All my requests had been ignored but a constant response from the company had been that your inteest rate had been reset. Since November last year, I have been depleting my retirement and my cildren's college education account to pay my mortgage just to be current hoping that the company would modify the loan but every effort failed.

In June 2008, the company sent me questionable modification package. I was requested to sign and return the it to the company within three days. I received the packet at 6 p.m. California time and that was the very date I was to send singed documents to the company. I did not sign the document because the company added $4,786 to the original loan (i.e. $294,400 + $4,786) making modified 1st loan loan amount to $299,188 at interest rate of 8.75% while the 2nd mortgage still stands at $645 with interests rate of $9.99%.

I made my case to the Congress in Washington DC who contacted the company. In October 2008, they replied to the Congress in Washington DC and copied me. They demanded soome documents from me and these documents were sent to them on October 6, 2008. Since then, the only response I get from them through my agent is that they are working on it as they have been telling me for the past years. I have struggled to pay my portages up to September 2008. I have no more mmoney to pay them beginning October 2008.

The consequences of this is that I can not have enough money to feed my family and pay my daughter's school in Sacramento State University. My wife is currently in school for LVN certification and her school fees is $20,000 excluding books and transportation. She is no longer working to full capacity so that she can have time for her studies. I am now oerating under a very tight budget.

America's Servicing Company (ASC) services my second mortgage loan. I have a fixed 30 year loan at 5.585% with a monthly payment of $390.41. I do not escrow taxes or insurance with them. Starting April 2007, ASC send a letter requesting that we increase my flood insurance coverage to be exactly the same coverage as my homeowner's insurance. I complied with their request. Despite the fact I fullfilled their insurance requirements, they placed flood insurance on our behalf in the amount of $1800. Needless to say my monthly payment increased to $480.83.

I contacted ASC, and they claim they required additional insurance documentation. They claim there was a lapse of coverage. I faxed all required documentation. They still did not resolve my problem. Now, one year later, several complaints, phone calls later, ASC claims they do not know why my loan is delinquent if my insurance documentation has been completed (per last phone call on 10/16/08). I am frustrated. I have fax report confirmations that prove I have sent all the forms needed to update the insurance information. I need help.

The mortgage company now sends threatening letters stating that I will soon be in foreclosure. They have added $116 in late fees, because I do not pay the full amount they charge of $480. Why should I pay more? I have provided everything they needed. I feel that ASC is taking advantage of the economic and real estate crisis by placing additional insurance coverage despite of my existing insurance.

All the customer service representatives do not know or understand the status of my loan or how to resolve my problem. I really need help. Please help me. Last, I am a homeowner who has always paid the mortgage on time regardless of all the hassle placed on me. This loan is under my husband's name and now he received correspondence from all his credit card companies claiming they are either closing his accounts or decreasing his credit lines, all due to credit reporting of mortgage delinquency placed by ASC. This is unfair and has to be unlawful.

I thought Congress was working on a Foreclosure Prevention Act that would allegedly help people like me avoid foreclosure. After my bankruptcy discharge in April, 2008, America's Servicing Company told me they would work with me to keep my home. They actually drew up a special forbearance agreement, and I made a payment of $6,432.92 to them at the beginning of July. I also signed the agreement. Instead of sending me back a signed agreement, they kept $4,400 and sent me a check for the remainder.

When I called to find out why, they said they would not honor the agreement and told me to submit my financials to them. They told me they would work out the loan to be more affordable to me. Instead, I received a phone call today from Loss Mitigation telling me I would best short sell the house, because they cannot help me. When I asked why they kept the money they had sent, they told me, that it was the Collections Dept. and they had no right to set up a forbearance agreement.

This company has done nothing but give me false hope and deliberately stonewall me. I know I'm not the only person. Now, they have my only little bit of savings and they are taking my home. What am I supposed to do?

This mortgage co repeatedly attempts to set-up escrow accounts after accusing borrower(s) of not paying their property taxes or maintaining homeowner insurance policies. They send second and final notices even after proof of insurance coverage or tax payment has been sent.

Time and aggravation spent to resolve issues. Aggressive action in the form of repeated phone calls and threatening letters are necessary to resolve these issues. However, their latest attempt in creating an escrow account for tax payment is still in the process - even after confirmation was sent to me of satisfactory proof of payment. Who knows how many others have been UNsuccessful in resolving this, resulting in thousands withheld in unwanted escrow accounts.

As falsely advertised ON MY America's Servicing Company STATEMENT, Re: Customer Service: M-F 8:00am-6:00pm in your time zone(false representation). I have a taped recording that proves this is not the case, as I called them today at 3:45pm Hawaii time and received the following recording after pressing '0' for operator, You've reached our office while we're closed. The recording says office hours are 8-6 EST M-F...this creates a serious discrepancy, as I sent full payment of $4,343.42 via Certified Mail on March 9th from the Kapa'au Post Office and was told by the postmaster/manager of that post office that it would be there in plenty of time before the late date after March 16th.

My mortgage payment was due on the 15th of Feb (I always pay on the last day by phone) I called in to make my payment and found that this company was charging me for hazard insurance on my house because they didn't have any douments on file. I told them that would contact my agent and have them faxed over immediatly. The documents were faxed within an hour and confirmed received.

I tried to make my payment and they said that I had to pay the $200 additional for the insurance because they could not accept my regular mortgage payment and that if I did pay the total being invoiced that day that I would be charged an additional $100 late fee. I told them that this was not fair because they now had proof of insurance and I was prepared to pay that day my regular mortgage payment on time that day. Their collections office has called me and is still charging me my regular mortgage plus the $200 insurance, $100 late fee and they said that if I don't pay by the 27th I will be reported to the credit bureau.

they keep cashing our checks and then calling us the next day telling us we didnt pay our morgage.this has happened twice last month and this month.they are not cashing the check the are automating them .