Wells Fargo Mortgage

I have been speaking to several representatives in the modification services division who have run me around in circles asking for the same paperwork over and over again and treating me and speaking to me as if I am a 5-year old. Joel ** and his manager Shana ** continued to tell me they needed the same paperwork that was successfully faxed to them several times. When I would ask to speak to another representative they would tell me there wasn't anyone but them.

On one call with a customer service representative as I shared my story it turned out Joel ** was listening in on the call without my knowledge and the rep said she didn't know that he was listening. I told them that is illegal. I see now that this whole song and dance is just a game to them and they purposely take consumers throw a hell only to foreclose on the property unless they come up with a significant amount of fees due after they permit a lower payment for a certain time period. I cannot believe the number of complaints I see on the internet and they are still allowed to do business in this fashion. How can they be allowed to steal from citizens without any help from government? It is a disgrace.

I have been trying to get a loan modification since November 2011. The Wells Fargo agent said that he submitted all the paperwork, and we would hear something back soon. Well, yesterday, I finally called him back after several months of submitting bank statements and paycheck stubs to be told that I was denied for HAMP and for in-house loan modifications. They said that the payment was affordable. I requested a letter to confirm that loan modification reason and was told that he didn't know the reason for HAMP but it would take a few days for him to get that paperwork to see why. What a scam bunch they are.

I have been in an ongoing battle with Wells since March, 2010. I was in a 12 month repayment plan from Oct. 2010, through Nov. 2011, with which I complied. When the accelerated payments were finished, I began making my "regular" monthly payments. In Jan. 2012, I received an "Intent to Foreclose Letter", although my mortgage was current. After many hours on the phone, and finally contacting 3 local news stations, my state representative, and filing complaints with both the FTC and State Division of Consumer Affairs, I finally got to speak to someone in the Office of Executive Complaints at Wells.

I've now been told that Wells, and their local attorneys, quoted and based the repayment agreement on the wrong dollar amount, meaning my loan is still not current, despite the fact that I paid Wells more than $30,000 last year. Hopefully, this will be resolved, as I'm being promised by my contact in the Office of Executive Complaints (just love that department), but do not have any trust at all in Wells. All of you who are in battle with them, call/file complaints/enlist local news media/government representatives to get help.

Over the past 5.5 years, I have been a loyal Wells Fargo Mortgage customer, I take that back. I have actually been an advocate for the Wells Fargo brand. I recommended Wells to friends, family members and co-workers, praising them as the only bank that exercised some form of responsibility during the "greatest fleecing of the American public", the housing bubble.

I take it all back and apologize to anyone who may have purchased a Wells' product based on my recommendation. Wells has jerked me around for the last 6 months while trying to re-finance (as an existing customer). My frustration reached it's boiling point yesterday. I emailed the CEO, but do not expect to hear a response based on the level of service I now expect from Wells.

I started my re-finance in August 2011, (re-financing with Wells- existing customer, just a lower rate and lower principal; 3 step re-financing process). First step was a phone interview with a rep, I provided them with all the information they requested. I was never asked if my house was on the market, nor did I see that question in any of their paperwork (we had put up our house to see test the waters during the summer, as we live 4 blocks from the beach, at a high price and nothing happened). The next step was for Wells to order the appraisal. This was a no-cost re-fi, but I was billed $500 for the appraisal (which they said they would rebate back to me at the closing). After the appraisal, the Wells rep I was working with (in the Red Bank NJ office), called me and told me that there was an issue processing my loan, as the house was on the market. I had gone through this process 2 years ago (3 step re-fi), when my house had been on the market and it never came up as an issue. This time, it was an issue. A couple weeks later (early November), we pulled our house off the market to move forward with the re-fi. I provided the listing agreement, as well as a letter, stating that my intention was to stay in the house for the foreseeable future (at the request of the rep). Our rep stated that we needed an exemption, but it should not be an issue. I had also told the rep at the time that I was considering moving forward with a re-fi through Valley National ($499 re-fi in NJ) if there were any issues with Wells. Again, he stated that it should not be an issue.

Yesterday, I get a call stating that the underwriters will not move forward with my loan as I would be considered "risky". Mind you, my credit score is around 800 and my LTV is around 55%, not to mention that Wells is already my mortgage holder at the 0.75% higher rate! After pressing and speaking with the rep's supervisor, I came to learn that they don't feel that they would be able to make enough money off my new loan, there is your "risk". He told me I would need to keep paying my higher rate for 6 months after the house is off the market before the would consider closing on the loan. I requested my $500 (appraisal fee) be refunded (remember no cost re-fi) so I can re-fi with another bank, I was told that they would only rebate the money back if I wait it out and re-fi through Wells.

Wells kept me on the hook by charging me an upfront appraisal fee and when I wanted to go with someone else, they stated that getting the exemption should not be an issue. Here I sit, $500 out of pocket and locked into a higher rate mortgage until they decide they have made enough money off my current loan. Glad we lent all these guys money.

In April 2011, I was having a hard time paying bills, and was about to be late on my WF mortgage payment. I called WF, and was told about a "payment agreement", wherein the payment in question would be spread out over the following six months. As it was explained to me, this would help me avoid letters and phone calls from WF every week, as well as keep my credit scores intact. Every month for six months, I made the payment on time including the extra few hundred dollars according to this "payment agreement".

I came to find out this January that WF reported (to all three of the credit agencies) each of those 6 months worth of payments, as being 30 to 60 days late. They claimed they explained this to me, when we made the agreement. This is simply not true. Had this been explained to me properly by the WF employee who set me up on this agreement, I never would have made the agreement. What rational person would have? Why would I not have simply made the one payment late, and the rest on time, possibly generating one bad mark on my credit, instead of six? I tried several times to communicate my issue with WF, but they won't budge, claiming that they followed whatever guidelines required by law, and they refuse to retract the negative monthly reports.

I will never enter into any kind of business with WF in the future, and I am doing everything in my power to take my loan somewhere else. WF is a crooked company, and they don't give a rat's ** about you or anyone else. Don't get a WF loan! Run away as fast as you can!

I reached out to Wells Fargo because I knew I was going to fall behind on my payments. I was told by them that I did qualify for a loan mod and had to send those tons of documents for which I did in a timely manner. I could never get in touch with the assigned rep to my case when I did finally get her, I was always told well you need this further or you need that for which I sent the next day. The process dragged out for months and months I finally got a call from the Wells Fargo rep. She told me I was being denied any modification when asked why she said that the investor Freddie ** denied me due to my prior history (prior history 2 pending foreclosures for which I brought current with large sums of money). I contacted Freddie ** and they specifically told me that they knew nothing of my request for assistance and they would investigate the matter.

I've since gotten attorney notices that I'm going to be foreclosed on. Wells Fargo deceived me, led me on and promised to help then bailed. According to news reports, the attorney general here in mass is suing them for their practices and failure to help after promising (amongst other things) and I fall under same they are doing to me what she's suing them for. I feel I'm being treated unfairly and mislead.

We applied for a loan modification in 2011 with Wells Fargo. During the verbal process, the gentleman was eager to help me and then he asked me if I was black, and I said "yes, why?". He immediately transferred me to someone else who started helping me, asking for the necessary documents to complete the modification which was provided and submitted. During the review process, Springboard recommend that our interest rate be reduced to 5% but Wells Fargo added the arrears at the end of loan and kept our interest rate at 7% even though our bank statement reflected several payday loans that we received to keep up with our payments to prevent us from going into foreclosure.

I converse with your representative on December 27, 2011, Andy **. He spoke to me very rudely, he questioned my integrity, my truthfulness of me. I wanted the information he was giving me over the phone to be written down. He ignored my request to send me the information he wanted redone, he was so bad in his customer relations skills, I had to hang up on him. Please assign me another representative to assist me in my efforts of getting a loan modification.

Last week of January 2012, a mortgage agent from this company called me that beginning February 6th 2012, I can refinance my mortgage without paying for appraisal or no appraisal fee with Wells Fargo. I think his name is Jaime ** Then, a couple of days, my old agent from the same company, Jorge ** told me that I can refinance my mortgage again with no appraisal fee.

Today, I called him that all the papers are ready and I asked again if these still has no need of appraisal fee, then he told me that with different story that all Wells Fargo mortgage has to have an appraisal in the amount of $395 to $495 appraisal. I think the Federal Government wave the appraisal fee beginning February 6th 2012.

I have been trying to talk to the person that they say is my Home Preservation Specialist, Aaron ** since November of 2011. His message on his phone has said that the date is November and that he is out of the office. This is now the 1st day of February and his voice mail still states that it is November and now his mailbox is full and I cannot leave a message. I was on the phone for 58 minutes today, third time this week I have called trying to talk to someone other than him (since I have not been able to reach him in 3 months), and they say that I have to send in a written request to change my specialist. Latonya that I spoke to today could not find the address to send the written request to.

As everyone else that I have talked to on the phone for the past three months, except Aaron **, they are all so sorry for the inconvenience. Really, if they were sorry, they would find help for me, someone to talk to. They want to foreclose on my home and I cannot get any assistance. I have done research and the government has assistance, however you have to go through your mortgage company. That takes me back to Aaron ** that has been out of the office since November? I wonder if he even works there.

I was in review for a repayment plan and the bank's employees failed to complete their job after I have submitted all required paperwork and called everyday about reviewing the status and because the processor who was dealing with my file didn't complete her job. They begin the process to sell my home.

My mortgage was originated by Worlds Saving then moved to Wachovia Bank now Wells Fargo. It started out in 07 as pick a loan option, at 7.5%. I was told to make a call after one year to lock it in to a lower rate if interest rate drops, but they refused. Now the interest rate is 2.5 % but they will not do it. We are trying to modify the loan. Wells Fargo wants to foreclose on the mortgage. Please advise what to do.

We were late on October payment, but in November, we paid it over the phone to Wells Fargo. Also, November payment was submitted to them the next day to the bank on 11/12/12 at 10.00 am for. December payment was made on 12/12/12 at 9.30am. So we were reported to the 3 credit bureau as being late for November and December which was being 30days late. They didn't put Oct as being late. We admitted to being 30 days late for October, but were not late for November, neither were we late for December. On the credit report, they put late for November 30 days late, also December 30 days late. So why October wasn't reported which we know was late and we paid that in November also November payment wasn't late, neither was December.

They have prevented us from attaining another loan for the home we now live in. We can't get a loan from them or none of the other big banks, so we have found a mortgage company that will help us. Because the reporting of Wells Fargo that we were 2 months late, we were not allowed to finance the house we now live in. We were told if we get Wells Fargo to correct it. Then they would help us. We have documents and receipts showing that we were not late for November and December.

This is a "buyer beware" complaint about Wells Fargo Mortgage and is very minor compared to many struggles.

We have had 5 mortgages on 2 houses over 12 years and all have ended up with Wells Fargo. With every single one we have had some issue with the escrow account. The previous mortgage we had I closed the escrow account after making the first month's payment because I had grown tired of dealing with them over doing the escrow (one case it was over 1/6th overage allowed). I had zero trouble closing the account at that time and they had sent what I thought was the full balance of the escrow account (according to their online account management anyway). After closing on a refi this past October, I received a check for the balance in escrow in the old account, $175. No one knows why that money was still there.

Today I go to close the current escrow account after making 2 on-time payments; I am told that I am not allowed to close the escrow account until I've paid 12 payments. Thus far I have not found any mention of this in any of the closing papers. So the moral of the story, as every one knows from many different experiences, the mortgage company is going to nickel and dime you to death. I can't wait to be clear of these people.

I have two mortgages with Wells Fargo. I always mail them one check and include the two separate stubs for the different properties. For 4 months, they put the entire amount of my check on one mortgage. They called me one day and said I am being foreclosed on. Thereafter, very quickly I had sent numerous correspondences pointing out what they did to me.

I sent them letters from my account, my bank statements and my mortgage statements. They would not listen to me. I then received horrible correspondence from their attorneys stating I owed them over $1,600.00 for attorney fees and past due amount for 4 months on my mortgage. I explained over and over and they would not listen and kept harassing. I ended up paying them everything back to get rid of them. In turn, they ruined my clean credit and harassed an innocent person who paid their mortgage responsibly. I kept all my documentation from heir erroneous behavior. How can I demand to recover my money back?

The modification trial program is a scam. I was put in a 3-month trial modification which "would be added to the back end of my mortgage" after the 3 months was up, so I was told. This was after I was laid off. One week after I made my 3rd reduced payment a Wells Fargo collection rep called me to tell me I have to pay the rest within 7 days along with additional late fees or foreclosure would start? I explained I was under review for a modification to which she laughed and said you never qualified for a modification. I continued paying my regular scheduled payments after the 3 months and I called a home preservation specialist who at first seemed eager to help me. Nope, I do not qualify for a modification. Not only will they not help, they add a done of fees each month. They will not offer me a repayment plan or modification.

I was out of work, what good is a 3-month forbearance plan if you have to pay it back within a week? All or nothing, or they foreclose. Over a couple of thousand dollars? I will never get a mortgage through one of these "mega" banks ever again. They are only out to make money and will do it at any expense. Beware: the bank forbearance programs are there so the banks can legally steal people's homes not to help through hard times. Our tax dollars hard at work. Good Job bailing out the banks.

My fianc and I have been attempting to modify our loan after he lost his job and everything seemed to start out ok. We sent in our hardship letter and two months worth of bank statements and unemployment checks. We have been attempting to contact our "home preservation specialist." What a joke! And either her voicemail is completely full and I can't leave a message, or I leave her messages and no one returns my calls! I finally spoke to another person out of frustration to have him tell me that we have to resubmit all our paperwork because our hardship letter did not have both our signatures, which our specialist never told us was an issue! We never got any direction on what we need to do save our house, and now foreclosure is a possibility, which we wanted to avoid in the first place. Do they do this on purpose? This looks like an illegal foreclosure to me.

We were approached by Victoria ** with Wells Fargo to refinance our existing W/F mortgage in late September and were told the following: that we should close quickly (November), there's no appraisal, and there's no money other than app fee of approximately $400.00. We were repeatedly told not to make the house payment on existing W/F mortgage.

When November came we did make the November payment and were told that that would cause us to not close in November because she would have to get another payoff. December came and we were told that there would be a charge at closing of $700.00 and we would have to get an appraisal. House that we have been making payments on for more than 15 years appraised at $109,000.00. We owe approximately $72,000.00. Again we were told not to make the mortgage payment for December. Victoria said she would communicate with W/F and let them know the situation and we would close on December 23rd.

That date came and went and Victoria was on vacation. My wife scheduled for the on-line payment to be made but it did not go through and we assumed it was because of Victoria's communication with her own bank so we never followed up on it. On January 13th I contacted Victoria's boss Jose at Wells Fargo and we were promised again that we would close soon but the charge at closing would now be $1,400.00. In the mean time, Wells Fargo began sending letters about December's payment and we have found out that Victoria never communicated with them about the payments.

We have been given many closing dates that came and went without explanation. Now we are being told that there is problem because of December's payment and if we do close it will be $1,700.00. Who regulates them? How can they be contacted? If this affects my credit, how can I dispute it?

Insurance funds withheld due to contractor claims. Contractor allowed to enter court case documents not relevant to insurance related repairs. Insurance funds release awaiting court decision on non-related issue. Unable to finish repairs to home that are needed to get fair and just appraisal of home. Funds withheld since 2008.

I didn't want to rate them anything but 0 is not a valid choice. I have read the comments on this complaint page and my complaint is identical to at least 90% of them! It is a wonder that Wells Fargo has not been investigated by the US Attorney General and/or the States' Attorneys General. It is preposterous that they continue the ruse they call Loan Modification. I am determined that Wells Fargo will modify my mortgage and I will not go away!

My "Home Preservation Specialist", Kelly ** and her Supervisor are a joke. Since December 28, 2010, I have been attempting to get my mortgage modified due to my husband and I being laid off in 2008. We reached out when things started getting "tight", only to be told that Gerardo would give us a call. I left numerous messages for Gerardo, whose work hours were 3pm-11pm EST. I called at 3:15p. I called at 7:00p.

I even called him once at 10:55pm sure that he would be packing up his desk to go home for the night. I called each time trying to get in touch with him to verify that he'd received the documents I'd sent to him via fax (of which I had a fax coversheet confirming the fax was sent successfully). I received a letter 2 months later, after I called the Customer Service department to find out what the status of the Mod was, stating that they had not received the information.

By the time I was contacted again, it was Kelly ** who requested the same information I'd sent to Gerardo. When I sent this information, I called her to be sure she got it, only to get her voicemail message that stated that she is "available Monday through Friday from 6am until 2pm and is only able to return calls between 11:00am and 1:00pm daily. "What? Okay, so I called her early in the morning so that I can "get in line". When she wasn't in training, away from her desk or out of the office, she would call me back only to tell me that the loan was still being reviewed and that she would give me a call back. When I started insisting that I be told something besides the loan was "under review", she started requesting documents that I had either sent and had confirmed receipt or were impossible to get.

For example, the adoption assistance payment I get as a check, which I deposit into my bank account, needed to "verified" by either a copy of the check showing that it went into my account (uh, I bank with Wells Fargo so they know that deposited checks are not "imaged" like cashed checks are) or a statement of my "account" with the State of North Carolina showing the payments are being made out to me (this type of statement doesn't exist and the nice lady I spoke with at the State Comptroller's office probably thought I was absolutely crazy for asking for it!).

After getting a letter from the Adoption Agency, they accepted that only to review the loan and say that, according to my credit report, the payments to my credit card companies showed that I paid (enter total balance here) per month and that they couldn't modify the loan because of the deficit. I told them that what they'd recorded was inaccurate and had to send monthly statements to show that my monthly payments were lower.

Then they said that, since my husband had started working, I needed to send a contribution letter and a copy of his last two pay stubs to verify his employment. When I sent this, they disregarded the contribution amount on the letter and added his annual salary to my income. Without requesting information about his expenses! When they finally finished the "review", they sent me a letter stating "Thank you for speaking with me today regarding your loan modification. Your payment plan is as follows..."

The payment plan was double our regular monthly mortgage payment and it ended up that we were paying at least 4 mortgage payments in advance. I thought maybe they'd mixed my file up with someone else's so I called. Of course, Kelly was "out of the office" so I spoke to someone else who told me that they had calculated our monthly income. According to their calculations, we had a surplus of $6,000 per month! Are you kidding me? I asked her where in the world did they come up with that and they said that they'd counted my husband's income and that they had "requested his expenses but never received it". At that point, I told them to forget the modification and vowed to just do what needed to be done to move forward.

After thinking about it, I called back and told them that I would be resending the contribution letter and that they were to compute our income based on the contribution that my husband makes to the mortgage (I had the mortgage before we were married). They then told me that they could not (1) calculate his contribution based on his contribution letter and (2) I had to resend all of my paperwork again because it was past 90 days from the time I'd sent it in. Are you kidding me?

So this morning, I contacted VA and hopefully they can get Wells Fargo in check. Wells Fargo should be investigated immediately and any "settlement" in the form of Loan Modifications should be publicized so that people like the others who have complained, like myself, can be part of the loans that are modified. These "phantom" loan modifications that are being made are bogus and if they are so many complaints about Wells Fargo, why hasn't the States' Attorney Generals and/or the US Attorney General stepped in? This is criminal and predatory and it's a joke!

By the way, I am in the process of changing my direct deposit so that I can write a letter to the Chairman of the Board and the CEO of Wells Fargo and request that they personally close my accounts with Wells Fargo. I think I'll write a letter to both of those people and enclosed my Loan Modification documents to see if they can modify the loan because the others they have working on it are incompetent and insensitive.

I am a single mom and I have an offset pay schedule which the mortgage company will not accommodate. Since April of last year, I've had an income decrease of $46000 to $31000 a year and an offset payment schedule to match. (I got called up to serve on active duty and after three years back to a Department of Defense employee as low level GS employee). My pay was audited without from an action three years ago and I was not given a chance to waiver payments. My pay schedule is not on the first and the fifteenth. I made attempts to set this right but Wells Fargo Home Mortgage company would draw the funds out two to three days prior to my pay resulting in a negative balance or attempt two to three days after.

I obtained a fee from Wells Fargo Home Mortgage and also a fee from my primary depositing bank. According to their billing statement, they will attempt to deduct two to three more times. Well, after the first, this caused chaos on my account which I had set for other bills which required payment. After several evening phone calls, wrong numbers, being left on hold for nearly 30minutes or more, hang ups by their rude evening operators, I got the home preservation specialist name and correct POC number.

The Wells Fargo Home Preservation Specialist offered an unrealistic 40 year mortgage payment which ballooned my late payments out and I declined. I have sent (faxed) them paperwork to at least decrease or back off on the late fees which will allow me to catch up. They have declined and stated that I had one waiver back in October for 39. Really? Well, the late fees are now $223. I paid November and December in January. January's payment is due currently with the late fee which I have asked to be wavered.

As of December, I set up a payroll deduction for every pay period in the amount of $520. This totals to $1040. This is over the $946 and change that is required for my mortgage payment. I went to a local Wells Fargo branch and opened a checking/savings account for the payroll deduction to ensure that they (mortgage company) get their funds directly. The local branch can't do anything until my delinquency is paid in full. The local WF bank has my account and is ready to pay the mortgage on time but can't until all fees are paid in full. This has been ridiculous.

My credit score has suffered I went from 630 - 680 down to a wonderful 411. I've had to resort to using my school money, IRA, borrow against my insurance, child support to pay the mortgage and have to struggle to keep my other bills paid or at bay. I am stressed and I have been harrassed daily. I even recently had someone come to my home from WF on an early Saturday morning to verify that I resided in my home. He left me a note to call Wells Fargo Mortgage.

This is something none of my other mortgage companys did (First Horizon, Midland Mortgage and Peoples Bank) . On my pay day, I have to go 15 minutes out of my way, burning up gas to ensure the WF bank transfers the direct deposit funds to the mortgage so they see it. I am called daily by the WF mortgage company asking about the amount I have pending to the account from my scheduled pay period.

I am sent letters by Mrs. Cicily *** a WF Home Preservation Specialist explaining how they can help but yet I also have letters from her saying that she can't help me and I am not enrolled into the program. I am stressed and currently being harrassed by my other bill collectors and I can't promise them anything because I have been dealing with trying to accommodate WF Home Mortgage so they don't attempt any backdoor shady crap and attempt to foreclose on the home my son and I have resided in for the last seven years. They just keep adding on the late fees and not looking at my off set pay schedule.

This was and still is the worst matter I had to ever deal with. The people there are a disorganize group of rude and condescending bunch of so called people I have ever had to deal with. I have no idea, how many times I spoke to one of their employees and so called specialist and never got the same answer from any of them. Seems like they are trained to upset the customer and make every step a nightmare! Never ever calling me to advice me of another request that would be needed to get a check signed and processed, in order to pay contractors.

I have jumped threw hopes and dotted every eye and did everything that they requested and still not good enough, they always found something else to request and delay the process even longer. Not only did they use over a $100,000.00 of my money. They never gave me one penny of interest. Said state of MA does not require them to put the money in an interest bearing account instead they told me it was put in a off shore account. Just another added punch. Nice way to treat a customer that is under so much stress .My hands are tied and I am at the mercy of these so called human beings.

I will always tell anyone I come in contact with of my bad experience with Wells Fargo Mortgage. And will continue to write to whom ever will listen. I only hope this will be one of those companies that will go under and all the employees suffer like I have. I will try to change my mortage company in the future. Please check out all reviews before signing with Wells Fargo Mortage or any part of their Banking System. They are not worthy!

We refinanced our home about 10 years ago to get a lower rate. We were instructed at the closing that if we ever had any problems with the mortgage and we could defer a payment just like always. Time went on the mortgage was sold to Washington mutual and eventually ended up with Wells Fargo. We had been paying our payment timely for years. This past July, I and my husband lost our jobs.

We finally got unemployment and searched high and low for a job. It is now January 2012, we still have not found work. We have burnt through all our savings and most of our bills are not being paid. We pay the necessities. The house, the lights, the phone and food bills are being paid. We did have great credit we have poor credit now and my husband was diagnosed with a serious bone disease which causes great pain and eventually he will either be paralyzed or if the miracle happens and we can actually pay a surgeon to do a spinal surgery to safe his bodily functions.

I first called Wells Fargo 2 months ago, forces with debt for living expenses and medical bills to see if we could defer a payment. Oh no they said they do not do that. They offered a reduced payment of $480.00 instead of the normal $640 for 3 months then we would have to balloon the payment. This is set to failure here. We are in our 50s. It is very hard to get a descent paying job period. So we borrowed money from our children to make the payment. We were not even scrapping by anymore. Borrowing money to pay for gas to see doctors, pay the electric bill is hard. We never went over 60 days late on mortgage.

So I called again with only $642.00 to our name, this time Wells Fargo offered a $480.00 payment this month $800.00 next month and $1200.00 the following month. The customer service agent pulled my credit apparently without my permission and told me the bills I have and told me I have a disposal income of $400.00 so I should be able to do this. I asked about my husbands bills, his are not listed. Well, she said that's all we can do. I am at my wits end here. They are constantly calling the house where I am even afraid of answering the phone.

They speak directly like they know me addressing me Hello Linda. There are supposed to be programs out there to assist people. Everyone I have seen cost money. If I had $50 to pay the state Id be doing well but I $289 in overdraft. I just want some justice done here. I do believe they are being predatory about helping and understanding. My neighbor was foreclosed on. Has property sat there for about 5 years before the bank did anything with it.

It is like they are purposely trying to put us in an obtainable payment so they can foreclose. They would not give us a mortgage in the first place if our debt to income ratio was more than 50% but with the payment options they are offering, that would put my debt to income ratio well over 300% so how is that feasible? If they could just defer the payment like they told us, we could get caught up and stay ahead. Any assistance and investigation in this matter would be greatly appreciated. Thank you.

On August 28, 2011, Hurricane Irene hit NJ, flooding our house with approx. 2 ft. of water from the Passaic River. It is now January 7, 2012 and Wells Fargo is giving us an extremely hard time and will not endorse a partial cash advance check from the NFIP. We are paid up one month in advance with our mortgage, they have $7,000 of our money in escrow and we have been with them for 13 years with never a late payment. If they are going to treat us in this manner, it is no surprise to me how badly they treat others.

We are not living in our home and they are totally insensitive to our needs. We pay the insurance premiums, not them. This is rightfully our money. We have complied with all of their requests with no relief in sight. The insurance adjuster claims that he is backed up due the large amount of claims filed. The bank wants the completed proof of loss estimate, which at the time of this complaint, is not ready. We are caught in the middle with our home becoming more unlivable every day. Wells Fargo should be fined for every day they make victims wait while they take their time in endorsing these checks. They have no risk, the checks are not drawn on a Wells Fargo account and are backed by the Federal Government.

I am writing on behalf of my 87 year old widowed father in law named John. John refinanced his house several times attempting to get his mortgage reduced and use his equity to make some repairs on his 3,500 sq/ft house. He knew he could not make any money on the house, but just wanted to protect what little credit he had by selling his house for what was owed. He was told by Wells Fargo that if he fell 3 months behind on his payments, he would qualify for the new Obama house protection program. He held back 3 months payments and requested the paperwork to start the progress. Like Wells Fargo promised, they sent the forms as John requested. John filled out the paperwork and sent them in as requested.

After another month, Wells Fargo started threatening to foreclose on John's house. John contacted Wells Fargo repeatedly only to find out that his paperwork was not received, lost, missing, etc. During this time, John was admitted into a hospital after having multiple strokes and his left side was paralyzed. His daughter and myself had to go to Houston, move all of his possessions into storage and moved him in with us because John was unable to take care of his self. We contacted a Realtor that lived in the subdivision and agreed to put the house up for a short sale. The Realtor found 3 separate buyers, one of the buyers was cash.

Wells Fargo ignored all attempts made by the realtor to sell the property. They did send folders on the "New Obama Mortgage Assistance Program", John has made no attempt to contact Wells Fargo. John is still paralyzed. Wells Fargo still ignores the Realtor and it's been 1 year. I understood banks don't want to foreclose on property anymore, they have to many now. It does not look that way to me.

Last year I was divorced. As part we were to sale the house and split any proceeds. As you are aware the economy was not very responsive to this. Our starting price of $265.00 was lowered to $210 during a 19-month period with no offers. On July 2010 Wells Fargo informed my payment would be going up an average of $130 a month. Since I was making the payment with my income only, this became too high for me. I contacted the local branch of Wells Fargo.

Their offer was to increase my interest rate 2 points (never late or missed payment on anything), which in turn would increase my payment even more. I contacted Wells Fargo Home Mortgage; they said I could not short sale since I was not past due on my payments. I tried feverishly to go thru the Home Loan Modification Program and had one battle after another with them. I was not trying to get out of any money I owed them, just trying to get it so I could afford the payments until the house could sale. They would never call back or send me any information; I always had to call them.

One call they told me they would not process the application because my ex-wife was still on the deed. I told them I had a copy of the deed (and faxed it to them), but told them I would not file it until the home loan modification was approved, because if it didn't go thru my ex-wife would be relieved of any obligations. After several weeks and many calls to them I received a generic letter saying I had been turned down. When I called and spoke with one rude rep at Wells, he stated it was turned down because of my ex-wife being on the deed. I explained the whole situation and told him I even faxed them a copy, which he acknowledged having, and then he basically hung up.

I called and spoke with a second rep and she informed it was declined because I had a second mortgage on the house. I was current on the second and was not trying to refinance it, only the first. She could not explain why that caused me to be denied. After trying to work with Wells for 5 months I had no choice but to let the house go into foreclosure. The house will be auctioned on 1/3/12. As stated, I was not trying to change the amount owed, just re-structure/lower the payments.

Wells Fargo said I was financially approved for a mortgage on a traditional sale home, but it was delayed due to HOA complications. After 2 months of "pending HOA cooperation," putting my life on hold, paying for an appraisal and HOA documents, Wells Fargo calls me to tell me I am financially not approved. I am paying 20% down, have zero debt and make over $250k a year, and have a credit score +730. The loan officer will not provide his managers' names, a customer service contact number or any details regarding why I was declined. He just said that it is what it is and he needs to get end the call. He hung up. False advertising. Great rates, apply now, but we won't actually do anything.

I wasted 2 months of my life and $1,000 being mislead with false commitments and nothing to show for itnot even a good excuse from the loan officer Greg **. Midwest manners. And no place but here to file a complaint. Who doesn't have a customer service department and is not allowed to give you their number? Who is not allowed to provide their manager's information? What process is this? I will continue to post my complaints in every venue I can find to blast Wells Fargo.

We experienced a financial hardship and were unable to pay our mortgage. We have been in the process of a "work-out" with Wells Fargo for 4 months on a short sale. A prospective buyer has offered $80K cash for the house. Each time Wells Fargo asked for documentation, we provided it to them (updated bank statements, paystubs, purchase offer, HUD-1, etc.). I would speak with my "Home Mortgage Preservation Specialist" and/or a representative at least twice per week to get updates on the progress.

As recently as December 1, 2011, I was told that my file was still "in review." The negotiator at WF for the short-sale asked for updated pay-stubs/bank statements on December 2, 2011 (Friday). I emailed them to her on Monday, December 5th, only to receive an auto-reply that she was on vacation! I contacted my Home Preservation Specialist who gave me an alternate fax to ensure that the documents were received and confirmed this. Looks like my file got sent to Liquidations Department and auction will take place on December 16th.

Reason stated: No response from owner to receive requested documents and counter-offer from buyer. What? Hello? First, the negotiator who is responsible for handling my file did request documents and then left for vacation for a week. Secondly, neither myself, my RE agent, or the potential buyer was contacted regarding a counter-offer. Wells Fargo will not (because they cannot) produce any documentation that a counter-offer was communicated to us and now our home will be auctioned in two days.

What a shame. We will now have a "foreclosure" on our credit instead of a "short-sale" and a family who wants to buy the house and move in is cheated from the opportunity. They will not respond to any of our requests to postpone the auction. My conclusion is that Wells Fargo and Freddie Mac have fooled everyone into thinking they will work with homeowners to an amicable solution to avoid foreclosure. I hope the MA State Attorney General, Martha **, gets justice for us all in the pending federal lawsuit against them.

During military deployment, Wells Fargo attempted several times to foreclose on our home as I took a significant pay cut from civilian employment. We attempted several times to reconcile with Wells Fargo to no relief. While overseas, my wife and three kids were served a notice of sheriff sale on the house. It was then that my wife filed a congressional action to halt the foreclosure proceedings of this illegal foreclosure. Upon return from second deployment facing yet again the same issues with Wells Fargo, I entered into a mortgage "assistance" plan which required me to make double payments each month.

Once I called in to make the final payment, I was then told that I was responsible for the $2500 in legal fees incurred by Wells Fargo. Several attempts to contact them has left yet again receiving letters in the mail indicating a future foreclosure of our home as happened in the past. This time I may give it to them just to get out from under Wells Fargo. We need help here.

My house burned down on 6/24/2010. It's been almost 18 months, still my house is not finished, due to numerous and questionable delays in funds being released toward the reconstruction of the house. With the help of the Office of the Comptroller of the Currency, I was able to get the first release of $40,527.16 of construction dollars being held by Wells Fargo a total of $145,045.38 which was sent from my insurance company Farmer's insurance. After the intervention of the government agency, this release occurred around February of 2011. Ever since my assistant and I have been in constant struggle to receive release of funds to get this house finished.

Despite numerous calls, emails, faxes it seems as though we have to pull teeth out of a Tiger's mouth to get positive responses from Wells Fargo. At time of fire, I had just acquired a loan Modification. As a result of fire, they cancelled my modification and been held in hyperspace with my loan. I've had to wait for the house to be completed in order to have my loan re-modified and be able to continue to pay my mortgage. Right now, it cost me 4 times more as I've had to pay for a temporary home. Accruing the mortgage payments and paying forbearance payments and utilities at two homes. I am eager to have house finished as this situation is creating a secondary hardship above my original one I had after my bankruptcy in September 2008.

Instead of Wells Fargo working with me to ease my hardship and working on solving the situation, they seem to add to my hardship and don't seem to expedite matters so that we may see an end to this dramatic set of events. My house was also where I conducted my self employment as a Tax Preparer. Having a stable location is paramount to my financial Well being. I've been assigned so many representatives from Offices of the president to the Loss drafts department, Property Loss department.

We have been trying to refinance with Wells Fargo for over 4 years. Starting out, we had a credit score of 800+, now 5xx. We have been doing everything asked of us, they always say next month. Many months have passed, now forced into bankruptcy due to the lack of assistance. We have already lost one home to them, approved for a deed in lieu. On the same week, we received a foreclosure notice. The house is not included in the bankruptcy, but will be shortly if help is not received soon. We love our home and do not want this to happen. Wells Fargo has no incentive to assist us with our current interest only loan 6.75%. We have been begging for a 30-year fixed mortgage at a much lower interest rate. We do not believe for one minute that Wells Fargo cares at all for their clients.

You don't have enough negative stars to rate this company. We are very frustrated and need your help now. Please help us save our home. Account #**. We have most of our paperwork from both homes for the last 4 years.

Had received three letters from Wells Fargo Mortgage stating that I could agree to a deed in lieu. These letters were different than others as there was no mention of a short sale. When I contacted Wells Fargo, the reps. stated that there was no such letter and later stated that wordage was left out. They also stated that a short sale was required. Wells Fargo will not honor the offer they mailed to me.

Anita **, a loan officer from Wells Fargo Home Mortgage, ran our credit report to which we did not giver her any authorization to speak with anyone else about our credit history. She told Dianna **, a relator/broker with Heidt/Burns, specifics related to our credit. Dianna sent e-mails to the owner of house, the builder, another realtor and our son, specifics she was told by Anita.

Dianna then sent us a formal letter stating the same and the terms of what would be done with the house we now live in on Brookstone, Ct. My husband spoke with Fair Housing in Savannah, Ga. I am sending this complaint to Federal Trade Commission, The Department of Banking and Finance, The Ethics Department of the Georgia Association of Realtors of Atlanta and Savannah and to Heidt/Burns Realtors. I know our privacy was violated as Ms. Dianna ** stated she represents the owner of this property

From Jan. 2011 through May 2011, I paid mortgage (principal and interest) in advance for Aug. 2011 through April 2012 of my mortgage loan # **. On Aug. 9, 2011 I decided to payoff the loan early, I contacted the customer service to help me payoff the loan and I gave them the calculation of the interest. I paid in advance to be refunded to me. The customer service rep, Mr. Jeremy, transferred me to his supervisor, Mr. John *). Mr. John promised to help me to solve this issue.

On Aug. 26, 2011 finally, Mr. John contacted me and told me that he contacted Mrs. Christina ** from the payoff dept. and Christina refused to refund me the money. I asked if possible to talk to Christina or get her phone number or email address, Mr. John refused, then I asked for Christina's supervisor info., he said his name is Jason **, I asked Mr. John to contact Mr. Jason and to explain to him my situation and if he refuse to refund me my money, then I need it in writing in case if I go to court, I would have a proof of refusal of paying me my money. Mr. John promised to do so. After few days, Mr. John left me a message and said that I'll receive the letter that I asked for in few days.

On Sept. 6, 2011, I received a letter from Susy **. The letter was nothing but insulting to my intelligence. It didn't say anything about the refusal of paying me back the $1,949.42 for the interest paid in advance but all what it talked about is how to calculate my interest,etc. I called Mr. John again and left messages but no response. On 9-28-2011, I emailed Mrs. Cara, Wells Fargo Mortgage's CEO, on 9-29-11. I got a response from Mrs. Christine **, Mrs. Cara's customer service rep, On 11-10-11. Mrs. Christine sent me a letter declining the refund of the money. On 11-16-11, I emailed Mrs. Cara again but no response. On 11-17-11, I emailed Mr. John **, Wells Fargo's CEO, but still as of today no response.

I strongly believe it's my right to get back the interest that I paid in advance since this interest was collected on money that I don't owe anymore. Why would I pay interest if I owe no money? Please help me to get a refund of my money in the amount of $1,949.42. Thank you.

I am completely frustrated and angry with the unprofessional manner which Wells Fargo handled our application for refinance. We paid $380 for them to take weeks to tell us the value of our home was too low. We hold our mortgage with Wells Fargo. I can accept that, but they asked us for the same information multiple times and called my husband's boss twice to verify employment and made the mistake of asking if my husband owned the company, which we told them 5 times that he was just an employee!

We have been embarrassed and frustrated. If they knew the house was appraised at a low rate, why did they put us thru weeks of frustration?! We can't get our application fee back either. No one holds these banks accountable. They can take our money and treat us this way! End of story. We lose; bank wins $380. Not only have the banks failed us, we now have to communicate with untrained personnel.

Two weeks prior to the trustee sale date of my primary residence, my realtor provided Wells Fargo with two offers. One of the offers was $100K higher than the price that the property sold at foreclosure. My realtor said she uploaded to the equator system and faxed all documents to Wells Fargo four times. The Wells Fargo representative (Ganell **) assigned to my short sell request. The representative kept telling the realtor that all of the paperwork was not received and said, "I am sorry. There is nothing we can do to stop the foreclosure/trustee sale."

I give Wells Fargo Mortgage a no star. They have the most amazing "black hole" for paperwork. The reps are always courteous but if you don't tell them to "look further" in their electronic file, they only read what is on the surface. I've must have made 100 calls to them since April, 2010. I started out trying to do a loan modification and was denied. Then they told me I could do a deed in lieu or a short sale. I have a FHA mortgage and had to have the house listed at their appraisal price for 120 days. After no offers were made, I was eligible to file for a deed in lieu. I submitted all the paperwork immediately and followed their instructions to the T. I was then told that in order to comply with their guidelines, I must vacate the property within 60 days and if I followed all the steps, I would be given some money to help with moving expenses. So, I moved out on 7/1/11.

A few days later I contact them to see how things were going and was told that I was denied because they didn't receive the paperwork on time and my contact was no longer with them. They had all my e-mails but not the "file". They gave me two days to re-submit everything, which I did. I was told it was my responsibility to call at least once a week but all I ever got was it was under review. 30 days pass and when I call they tell me the house was damaged! The grass needed to be cut. I did find out two days ago they they mis-read the report from Core Logic..it said house was not damaged.

In August, we received an offer which went into another black hole and they needed 30 days to review it after the realtor submitted it three times. Now the house is in foreclosure. My short sale approval to participate has expired. I get another offer, again the black hole is there. Whenever I call, I have to tell them to keep reading their records. Also, I have a point of contact who never ever responds and neither does his boss. I have since contacted HUD and they are trying to expedite this. I understand foreclosure takes up to 700 days in NJ! I could have been living in my house, afraid to move back in because I might have to move back out!

It's an absolute disgrace the way Wells Fargo handles matters. And to add insult to injury, they sent Core Logic over to winterize and change the locks and they put the lock on the wrong door knob. Neighbors have reported people going in and out and now the cops are involved and I can't get anyone from the bank to secure the house!

I have been paying my mortgage online through the Wells Fargo online payment option for over 5 years now. On 11/08/11, I attempted to make a one time payment for the past due amount on my home mortgage for October. I was given the option to pay the past due amount and the late fee amount. Due to financial hardships and circumstances, I chose to pay the past due mortgage amount only. On 11/10/11, I looked at my banked account and found that, not only did Wells Fargo withdraw the late fee that I did not agree to pay, but they also withdrew the current amount due on my mortgage.

Basically they withdrew non- approved money from my bank for 2 months mortgage with addition to their $45+ late fee. Normally, this amount would not had been in my account for them to withdraw, but due to the holiday on 11/11/11, my job paid me early resulting in the monies being available 11/10/11 and this resulted in them not only taking the 1 months mortgage which was already in there, but also almost all of my check which had just been deposited for the current mortgage. Essentially, Wells Fargo Home Mortgage stole from me and obviously this made me very upset. I called customer service for over 3 hours going from service rep to service rep with the same response, "it shows that you agreed to that amount and there is no proof showing that you didn't." I also tried to stop payment with my bank, but the money had already been withdrawn and approved to Wells Fargo.

I applied for a refinance in January 2011. The home appraisal, which was the last step to confirm our loan, came in shockingly low, and did not count the 1st floor of our home as part of our gross living area. Letters of complaint and requests for a new appraisal were ignored.

The refinance fell through as a result and I had to pay for the bad appraisal. Recently, I was able to pull county records to show that we've been paying taxes on the 1st floor as part of our "living area". The appraisal from Wells Fargo was simply wrong.

Our building located at **, which is owned by Wells Fargo and is being represented by Pierce & Associates, is in foreclosure. The landlord does not want the building any longer and never paid me back my deposit. The building is in terrible condition and is uninhabitable right now for me and my family to live in. There are mole, spiders, mice, etc. throughout the building. I'm disabled and not working. I can't afford to make a move as of yet.

In 2009, an error was made by Wachovia Mortgage/Wells Fargo in recording a payment I made. I had successfully completed a repayment plan I had requested due to falling two months behind in my mortgage, because I was unemployed at the time. I spent so much time on the phone with them. My phone bill for that month was $350.00. They then refused to take my payments on the property, saying I was delinquent and in the foreclosure process when I was at that point current on all payments. They gave four different reasons for being delinquent, using a different one every time I was able to prove they were wrong.

During the last year, I have received four notices of sale dates on my house, when I contacted them to check the status, the CSR each time has told me they have no record of a sale date on my home.

Hurricane damage Aug 28, 2011, damage to property. Wells Fargo has given me run around, false reassurances, etc. They are very professional and courteous on the phone but you realize it is 2 mos later, more damage and they continue to run you in circles. Can anyone do anything to help stop this practice? Does anyone care? Is it only middle-class people like myself?

I have been forwarding documents and more documents for a Wells Fargo Loan Modification since my income is reduced. I had no response or help from the first woman/officer at WF so I requested another servicer. I was told to fax bank statements for 2 months from 2 bank accounts and the last pay stubs. I did. In error, one statement was 2010 instead of Sept 2011 and I called and they said I had failed to submit the requested documents in the allotted time. Wow! No one told me of the error or request!

I am appealing this and Cert. Mail including all my Fax cover sheets, the 2011 statements and maybe another Consumer Affairs Complaint in the state they are located.

July 2009, we contacted Wells Fargo with regards to mortgage modification, as suggested by NJ Citizens action group.They contacted us and set up a 3 month trial modification, Oct Nov and Dec 2009.

Jan 2010 came, we were told we are still in review, they were so backed up continued to pay trial amount. February, we called to make payment and expressed our concern and spoke to Shawna (swc), Ron (251) and supervisor Chris (jp7), no answers. Still in review. No one had the courtesy to call us back or give us any information.

This continued for months. We were told that we didn't fit one program and they are trying another in review. Spoke to many reps who said it is still in review. We sent all required information monthly, financial work sheet, hardship letter and request for modification. We never missed a payment.

September 2010, Nancy ** told us that we were really in final stages of review. December 2010, we received a letter of intent to foreclose. We were told it was a technicality and they were aware that we were working with lost mitigation department. Jan 2011, Darin lost his job. When we sent in our documents, Wells Fargo put us on a hardship program for the unemployed people. New payment $1268.31 for 6 months.

We asked our 4th loan rep. maria what happens now. Maria told us that they are going to liquidate our property. We wanted to try and bring our mortgage current and forget this false of modification program. We saved approx $9300.00 with reduced payments and escrow shortage. We did whatever loss mitigation asked of us. We have been swindled.

Wells Fargo mortgage company tacked on $10,000 fees.That is more than they saved us. That is outrageous! This misleading process should be stopped. They have also ruined our credit, so we can't get refinanced. Wells Fargo was never honest. Had we known that this was a scam, we would have sold in 2010. We had a buyer but we wanted to save our home. We were mislead by Wells Fargo Mortgage company.

My husband and I had decided to refinance our home, and it took Wells Fargo approximately four months to do so. They kept messing with our paperwork (in order for them to keep delaying the closing) and we closed today (finally). We expected some money back and were told that the money would be rolled into the new loan. We were never notified of this until two days ago, and when my husband contacted Wells Fargo, they were very rude to him and would not give him any information. I am sick and tired of this company taking advantage of people. It needs to be shut down.

I recently refinanced my loan with WF. I received an overpayment check in the mail shortly thereafter. I called the WF home office to confirm the amount and validity of the check. It was confirmed. I deposited the check. Later that month, my checked was returned to the bank, which left my debits and transactions to bounce. I spoke with WF who had records of my calls to verify the check. They denied any fault and blamed it on the equity accelerator program. I was then transferred to them. They also denied any wrong doing and told me it was my fault or possibly WF fault because although they represent them they do not communicate with them. Now I have no satisfaction from either company, but am responsible for the check fees.

I am a veteran and called about refinancing my home loan under a Streamline reduced interest rate loan. A representative noticed that my address was different from the home I wanted to refinance. I told him that I was separated. The criteria for refinancing required me to be married or divorced so I fitted into the married category. Because I had told them about my pending divorce,I was told that I did not qualify even though I am a veteran and have never missed a loan payment.

Wells Fargo has refused to work with me on renegotiating or refinancing my loan. So I went the modification path, and this is where it got insane. After sending in all the papers at least 10 times and being in active review, they're telling me they have to go by the investor guidelines, and in my case they're no longer around, filed chapter 11 and liquidated. It sounds like fraud to me or is lying acceptable? And stringing homeowners along.

They don't return calls at the Loss Mitigation Dept, ever. It's far deeper than that and the ones who know need to make a stand. Like the attorney general for each state, congress, and not some lame settlement in the form of more bunk modifications that never happen.

I don't understand the above area--Perpetrator Complaint. I opened it thinking that I was adding the malpractice of the KRCH Realty's real estate agent, Tammy ** in Reno, NV, along with Wells Fargo. So, my real estate agent and Wells Fargo did not offer me an appraisal of the property that I eventually bought. I was shocked when I received an appraisal in the mail by a California State Agency; I have no idea why the appraisal came from a California agency. The appraised value of the home that I just purchased is approximately $20,000 below what I had paid. The realtor and the bank told me before I received the appraisal that the bank would not loan me the money unless the money to be lent was at/or below the appraised value! Why did I have to rate my experience? I'm giving them negative ten.

We were approved for a short sale. We were even told that we could lower the price of our house a month and half ago. I got a letter in the mail. It was not approved.

I have been trying to contact my representative at Wells Fargo since August. I have left about 50 messages with no return phone call. I have called her boss; no return phone call. I have spent my whole day being transferred to people who just keep transferring me to different people. I cannot get anyone to talk to me since August. They just keep saying they are sorry and they have to transfer me.

I applied for a loan with Wells Fargo the first week of August. I was approved for a loan for $250K. My financial situation changed; my monthly income reduced and I realized that I could not afford the mortgage if I pursued the loan.

On August 18th, I sent a letter via email to the loan processor and explained that my net income has diminished substantially by $1,100 monthly. I also sent an email stating that I could not afford the $1,800 per month mortgage along with my current expenses on my single parent income. I did not want the loan approval to continue based on my change in financial circumstances. Unfortunately, Angela ** stated that the approval process would be pushed through to underwriting, despite my request both telephonically and in writing that I could not afford this loan.

I also spoke with David **, loan officer, on August 19th. After learning of my reduced income, he assured me that Wells Fargo would look out for my best interest as their valued customer and deny the loan application based on my change of income. He promised that I would get a denial letter but this did not occurred. He later told me he misspoke. Both Angela and David told me that I was approved despite my request because the loan approval was based on my gross income rather than my net income. They suggested that I initiate cancelling the loan which would have created grave consequences including losing my earnest money; this was not an option.

I am filing a complaint because I feel this is an example of predatory lending. I felt pressured to obtain a loan I did not want. Loans should be based on net income rather than gross income. This situation also unveils the reason we have so many foreclosures on the market today. I feel Wells Fargo did not have my best interest at heart because it is an institution that is focused on making money by any means necessary.

As for me, it cost me piece of mind and made it more difficult to work with the buyer and realtors. We eventually worked our issues out but the bank was unsupportive and put me financially in jeopardy.

Wells Fargo foreclosed on my home without properly notifying me and after contacting the media, they stated that they would work with me. After they were contacted by the media the story was not in the forefront, they gave me the worst offer they could. I'm sending you a copy of one of the many letters sent in attempts to have some type of mortgage assistance from Wells Fargo (ASC). The loan originated by the Brokerage firm of Brooks America Mortgage Corp in 2006. Wells Fargo continues to tell us that the investor who holds title to my home refuses to work anything out for us. I've contacted several attorney's but most of all in 2010. I attempted to have NACA assist me and was turned down again. I was forced to accept a loan modification that increased my mortgage by $1500.00 which brought my mortgage payment to 85% of my income. I have a 7.50% percent mortgage payment on a home that's lost over $250.000.00 below value. Here's a copy of my final request to Wells Fargo's Servicing Company (ASC) in 2010.

Dear Bonnie, I'm faxing this letter to you in response to your letter stating that we canceled our request for a loan modification. As you know, this is not the case. We are still interested in continuing to work on our loan modification. This is the 5th or 6th time we've been denied a loan modification for various reasons ranging from having not enough income to having too much income. We don't understand why ASC/Wells Fargo Bank has continued to deny us a modification.

This leads us to wonder if your only interest is to foreclose on our home. Is it our race? Is it because the lender who provided the funding was found to be one who practiced predatory lending and you just want our loan off your books. It's been very frustrating and has caused serious medical and emotional problems with my family members.

All we ask is to be given a fair and affordable mortgage payment. Our loan balance is $660,000.00 and the most recently sold properties on my street have sold between $450,000.00 to $500,000.00. We've ask for a reduction in interested rate only, even though our home value has decline over 40% and you, ASC/ Wells Fargo Bank, have still refused to work with us. I'm not sure why the letter of cancellation was sent to us, but please be advised that we have never requested our loan modification to be cancelled and we are still aggressively, wanting to continue working with you on this matter.

As of our last telephone conversation on March 2, 2010 we requested that we receive something in writing regarding the status of our loan modification application, and if we are being denied again please give us reason why. Our last loan modification application was denied per investors guidelines, can you please explain in writing what these guidelines are. In advance, thank you for attending to this matter and our concerns.

Our overall experience, I would say, was five-star lousy. Up until April of this year, we were current on our mortgage payments with the help of a family member. We had tried numerous times through hardship letters to talk with Wells Fargo to try and either refinance or do a modification, and each time, all they do is put you on hold and tell my husband that our department was too great.

All is well as long as you pay your mortgage, but fall on hard times such as we did with me suffering a job loss, and God help you. They, at Wells Fargo, play a game to the ultimate end. We ended up trying to sell our home on short sale so of course they, Wells Fargo, just abruptly took our home of short sale and it ended to active foreclosure without notice to us or our agent.

They, as far as I am concerned, are what I now call our government backed henchmen setting out to kill of the middle class. Even though we are now moved, and thank God have a roof over our heads, they have started to hound call us again. Time to change the number. Haven't they already killed us off? I now tell everyone I know to not do a mortgage with them, period.

Our home was foreclosed and was sold at an auction on the 27th of September 2011, after only not paying since April. Sharks in the water, Wells Fargo.

Pursuing this site is scary. Much of what I was going to write has already been written. We have nothing but terrible service from the loan originator through to now trying to get the renovation loan people straightened out. I never got a return call yesterday. I was even threatened because I told them that their service was terrible. All managers maintain an attitude of "we are right and you are just screwed up and unreasonable". Do not have dealings with them unless you are looking for a bother.

Somebody forged and cashed checks on a Home Equity line of credit I had with Wells Fargo ($62,000 worth of checks). The checks were cashed at my local branch office in Upland, CA from 2006-2008. I had an Equity line open for $105,000. I took $25,000 when I opened the account and was paying automatically from my checking account. For some reason the account split into two separate accounts with two different account numbers. Checks were forged and cashed at my branch and when I found about it, I was refinancing my home and wanted to pay off $25,000 that I took from the account. When I received my "Payoff" statements for my refinance, there was an additional account with a balance of $71,000. This was in March of 2008.

I questioned this "other" account and Wells Fargo was unable to provide me with any info such as the copies of the forged checks or any info at all on this other account for over 1 (one) year. They sent me (3) three times in the mail my history for the account of $25,000 but could never find any info in their system on this $71,000 other account.

After numerous attempts to get info, they finally were able to produce canceled checks and I almost had a heart Attack! Three checks each for $10,000 had been forged and cashed, others at $6,000 , $7,000 and a few at $8,000. They were all cashed and written without mu authorization. It took over 1 year to get copies of these checks and I (very stupidly) had paid off both accounts during my refinance in March 2008. I never wrote several of the checks in the $71,000 account. La Rae ** from the Wells Fraud Dept. never investigated my claim. She denied my claim because some of the checks were partially deposited in my checking account so according to her I benefited from the transaction. She was completely rude to me and did not even investigate my claim. In July of 2011 I finally received statements, three years later from my initial request for transaction history on my equity line of credit.

Why is there no investigation? The signatures are not mine and the dollar amounts of each check is very large and nobody questioned anything, they just cashed the checks, no flags, no investigation. Wells owes me $62,000. There were also checks re-ordered on this account and I never re-ordered any checks but like an idiot, I paid off the accounts in 2008 so my refinance would go through. Regardless, Wells Fargo should investigate my claim and answer for the sums of money they allowed to be fraudulently dispersed.

I recently applied for a short sale through Wells Fargo. Wells Fargo referred me to a realtor in my area. My home was due to go into foreclosure. The foreclosure was postponed when I applied for the short sale. I had two offers for the house; Wells Fargo rejected the first offer. They accepted the second offer, but they wanted me to come up with $20,000. If I had $20,000 I would not need to apply for a short sale. Wells Fargo denied the short sale and placed my home back into active foreclosure.

Then, I received a letter from Wells Fargo concerning applying for a deed in lieu of foreclosure. I called Wells Fargo the next day. The person in litigation told me I did not qualify for deed in lieu of foreclosure, because my home was in active foreclosure.

I was told a few months ago that I could not apply for a deed in lieu of foreclosure, unless I apply for the short sale and the home would have to be on the market for 90 days. I was not given this information a few months ago. I do not believe Wells Fargo was interested in the house being sold; they were more interested in the foreclosure. Wells Fargo profit when a home goes into foreclosure. The Private Mortgage Insurance (PMI) pays Wells Fargo when a home goes into foreclosure. Wells Fargo profit more from a foreclosure than a short sale.

I am asking Wells Fargo to reopen my short sale in order to apply for a deed in lieu of foreclosure. The entire event was a set-up in order to foreclose on my home and make more money through PMI. I have seen hundreds of complaints about Wells Fargo and they continue to operate in the same manner.

On 09-29-11 from approximately 1:00-5:00 pm, I was on the phone with Wells Fargo with eight different employees. I originally called in to update a client's financial worksheet for a loan modification. After being transferred to a Preservation's Specialist Kathy **, I was informed that the past 20 minutes spent on the phone with a collection's rep, Christina (employee ID **), showed no financial update at all.

Kathy placed me on hold several times as she tried to find the documents I had faxed on 08-21-11. The call was disconnected and I was sent back to the Collections Department, spoke with Kirsten. I explained the situation and she transferred me back to the Home Preservation's department at which time the representative there, Lakisha,who then transferred me to Kim (employee ID **), stated that I would need to review the financials again with her. However, this time, she did not do a thorough job; only asked me for the client's gross income, loans, HOA, child support/alimony, dry cleaning, auto expenses. I informed her that there were more expenses and she stated she did not need those due to the fact that she was just doing a rough draft.

After that was done, she stated that she would not be the point of contact because she only handled Fannie Mae loans. She then placed me on hold to find out the number to the department that would handle the file due to the fact that the investor was Wells Fargo Alternative. All in all, she had me on hold for approximately 30 minutes, came back twice to tell me she was still searching for the number and finally, she never returned.

I then called back to the number I originally called (866-234-8271), spoke with Roslyn ** and asked her for the name of the CEO of Wells Fargo and she stated she did not have that information and needed to look it up. When she returned to the line, she stated that she still did not know the name of the CEO and directed me to look it up on their website. I was appalled. I then asked for her supervisor and she stated that he was the one who told her to have me look it up. I asked her for his name and she said, "hold on. " She returned to the line and stated that she could not give me his name. I asked her again for his name and again she said she could not give that info. out.

I then asked her for the city they were located in and she stated she could not give that info either. So, I contacted a branch in Irvine and was given the name of the CEO as well as a phone number, 949-251-4411 to contact, received a voice mail (Rosina **) and left a message there.

I then called Wells Fargo back again so I could complete what I had started for my client whose name is Tricia **, loan number **. I spoke with Anaise, employee ID ** who stated that again the financials were not showing in their system and I would have to review that again with her (third time). At this point, I was beyond belief. What happened to the financial update I had done twice before that? So, I gave her that info again and this time when she had transferred me to the Home Preservation's department, she informed the representative, Victoria (employee ID **) of the situation and made sure that the financials were viewable to her as well before disconnecting herself. Victoria then gave me the minimal list of docs the client would need to send in to start the review process.

My issue with all of these? The employees need to be better trained regarding their jobs as well as simple customer service skills as well as customer courtesy. This was ridiculous!

I started loan modification on March 1, 2009. Wells Fargo put me in trial payment (lower), instead of 3 months after. In May 2010, they denied me, then they started another one and asked me to pay $20K that was trial short payments. They started to foreclose my house. My friends and family helped me to pay that, then they put all that in my credit, they denied two more loan modifications. I took them to small claim court and they settled in court, they cleaned up my credit and refunded the cost of foreclosure. They knew their mistake, now that I want to refinance, they denied me because I have bad credit with them

If they made a mistake and cleaned my credit, why do they not clean it inside their own system? They use excuses because they are making more money in my payments, why refinance it since I can not go anywhere else? I have all supporting papers. I lost everything in my life, I need this house, my loan is a 15-year loan and I want to refinance it into a 30-year loan.

My wife and I are expecting a baby any second now, and our lease is going to be expired by the end of September. Anyway, we went for a loan at Wells Fargo to purchase a house. We suppose to settle yesterday 9/27/11, however, we didn't get a house and not even a single phone call or email from the loan officer or his chain of command to tell us what happened. Even my attorney and my real estate agent tried to get a hold of them. They just don't want to get involve into it. We just want to know why they disappeared from us. Is that how Wells Fargo does business or what? At this point, we are so stressful and in panic because 2 more days from today, we are going to be homeless. The cost of renting the storage is another story, the list can go on and on. We didn't even mention the bad process during the loan. I will never use or refer anybody to Wells Fargo. It's a lifetime experience for us.

Wells Fargo is holding my father's mortgage, he is 80 years old. They are using a crooked serving company called Oswen loan servicing to take his house. Oswen has 44 pages on every sight of complaints. They will not let people modify their mortgage. They take their money and their house too. People, beware if you finance with Wells Fargo; you get sick or behind on your mortgage, they will send your mortgage to this very bad Oswen company and you will only speak to people from India. Read the reviews. Also, Wells Fargo investors, let it be known that they are not letting people pay their mortgages through modification. I have already been to court with them and I am not done yet. If you have a bad experience, please notify the mortgage licensing board in your state and also Florida. Please write a letter to Washington or even the news or newspaper. We have to save this country from these vultures. Thank you!

I give 0 stars. Some of the customer service representatives have been OK, one or two have been excellent but most are horrible. The person from the Loan Modification Dept never answers her phone or returns our calls and her Supervisor doesn't either. We are going through Loan Modification for the second time. It's been over a month and it's still under review. We have no idea what's going on with it. (We never received a letter telling us why our modification was denied the first time). They are holding money that we sent (over $1,300 as of this writing) in a suspense account and we are at our wits' end. I wanted to register on their site to see if I could email someone from the site or at lease see what I could find out online but in "Terms and Conditions" you must agree to waive your right to enter in to a class action lawsuit just to view your information on their site. When we call someone else, we are often told Amber is handling our account but she does not answer her phone or return our calls.

We are stressed and we don't know what to do or where to turn at this point. We are contemplating filing a complaint with the BBB and also contacting John ** or someone else in the executive office there at Wells-Fargo. Do you have any suggestions?

My problem is with Wells Fargo Financial. Our original mortgage was with Wells Fargo Home Mortgage. Then, we were having problem with our home and needed some repair done so we refinance. When we got switched to Wells Fargo Financial, then that's when all of our problems took place. My husband's credit went from 800 to close to 400 now because of Wells Fargo Financial. Two years after refinancing our home, we found out that they were not paying the taxes. When we called them, their solution was to issue a credit card with a line of credit of $5000.00. When the mortgage was already past due, then they suggested a loan modification, another big mistake.

Anyway, I am still trying to catch up with everything. They switched us to an ARM from a fixed one. Calling them is a waste of time. Their customer service department is a joke. They are rude. And now I really don't know what to do. I owe close to 10 thousand dollars in property taxes. My credit is a mess. I am still trying to catch up with the mortgage. I am getting the harassing phone calls from Wells Fargo Financial from 8:00 am to 10 pm, Monday to Sunday, with no mercy. They are rude, vicious, downright dirty, and most of all, without pity. The comments out of their mouth are not pleasant at all. Is anybody monitoring this company? I need help. Because of them, I am in the process of losing my house due to back taxes. And right now, I am a couple of weeks past due on the mortgage and they want my life. Someone out there must be going through the same thing. Please help me!

I'm a contractor that worked on a residential house of a single family to put a roof on it. I did all their paper work and 3 months later I haven't seen a final check for the last one-third of approximately $4000 balance. I even had a specific person to contact at Wells Fargo. I called once a week for three weeks and finally, she called me back but was no help. Unfortunately, I don't have the time to go into every detail but it's been a joke, all I can say is I wouldn't wipe my ** with Wells Fargo toilet paper and I hope they go bankrupt.

WF changed the income of my soon-to-be ex-wife at the closing, so she qualified for the loan. This was after we had been backed into having to sign. Send me an email address and I will forward the complaint I filed with the MN AG and the Comptroller of the Currency. WF told us. It was too bad for us.

Wells Fargo's modification department all needs to be sentenced to jail. My partner's salary was reduced by 55% by his company, which was going to put a real strain to keep current with our mortgage obligation. This happened in June of this year. We were current on our loan at the time and inquired what was needed to request modification. We were clearly informed that we must become behind to remain in a modification program by the representative, which we followed by not making our July, Aug, and Sept. payment. After providing all paperwork as requested, they are now trying to give us a trial period. They are now adding escrow, creating a higher payment than what we had to begin with.

Not only are the reps rude, the VM remains full. And the rep, which I was assigned to, now no longer works with the company. They are trying to add to my current balance from $293,000 to $308,000 just for missing 3 payments of $1972.05. Go figure that math from these thieves. I told them my attorney would be their next contact. If they want to play a game, I will be in it for the long haul for I refuse to allow them to take advantage of our situation, making it worse. This bank needs to be closed down and taken to court for the way they continue to abuse people, as I am trying to do the right thing. This is not to mention my property in South Florida being about $130,000 underwater.

I have had a mortgage in the beginning of May 2002 but they have yet to put the mortgage on any of my credit reports. I have tried to get a new mortgage to buy a home and I was able to because of this current mortgage not being reported each month. I have Wells Fargo take out half payment every two weeks. I make 13 payments a year. I have been asking them to put my current mortgage on my reports so I can get a new mortgage. To date, this has not been done. All I get is it will be there in 30 days.

I have been trying to talk to someone for months now regarding a loan modification for my home. I know that there are programs out there but I am unable to get any help. Wells Fargo Bank says that they have programs but we are with Wells Fargo Financial. I don't want to refinance, I just want the 8+ percentage rate adjusted. It would help with my payments and allow me to continue stay on top of all of my bills. Everything is going up but no one's income is increasing. Jobs are being cuts, wow! I'm down to two days a week and unable to find anything else to help with it. I served the US Military for 30 years and the retire pay even though good but with this economy, things are just rough.

I'm 68 years old and know that there should be something for me. I don't understand why they've been passing me one from one person to another and still no assistance. I'm not trying to get out of a loan but would appreciate some assistance so that I may stay in my home and again stay on top of all of my obligations, during the current times. I'm paying over $1400.00 a month for a home that is worth less than $100,000 because of the interest rate, something is wrong with this picture, but it seems I'm the only one that sees that.

Home Preservation stated a saving of $100.00 a month but no change in the interest rate. What kind of help is that? Many people are struggling and the banks do not want to help. I've been a good customer, never late, in fact always early but now that I ask for a loan modification or assistance with any program, I can't get it. You've got to be kidding me. I hope this letter will reach someone that will honestly offer assistance to me. I thought Wells Fargo was Wells Fargo; if Wells Fargo Financial closed all of their locations and had a settlement issue last year in July, that makes Wells Fargo Financial no longer existing to assist its customers, so where the customers go for help do? When Wells Fargo Bank/Mortgage says your account is not with them? No one is responsible for this account? I get a statement every month but can't get any help. Playfully through this letter someone will have a heart. I mean the country's interest rate is much lower than 8.25%, why can't mine be adjusted?

3 years ago, I applied for a loan modification. We got accepted for a loan modification with a monthly estimation of $678 during the first year. I started to apply. Without a notification, we were removed from the modification. I found out by making a phone call.

So I attempted to apply and we got a second loan modification but we were denied because they mishandled the process inaccurately. They used my sister's information, along with my mother's information. My mother and I are included in the loan. After letting them know they were mishandling information, they reopened the profile. We had to apply again for the third time after 3years. And we were told we will hear from them on the decisions they will make.

After 3 months and still nothing. After 3 years the mortgage due balance monthly was adding up because we couldn't afford the full amount. My mother lost her job and my father is paying 100% with his work's compensation and with my part-time job.

The decision was made after 7 or 9 months. We did not agree with the modification but we had only a week to submit the application if we didn't want our house to be foreclosed. The only decisions they did were to add fees and extended the years.

The mortgage is now up to $209,000 from $194,000. The payment just dropped by only $80 because the monthly payment estimation was $1,340 and now it is $1,280. The only thing I wanted them to help is to reduce my interest rate, not increase the loan and add fees.

I was also told that my credit will be corrected and fees will be waived once the modification was made. This was not true. My credit will be affected up to 7 years. We still struggle and I feel Wells Fargo did not do a good job and are taking advantage of us.

Nothing was done and I feel like a victim. There was no help at all.

I am a cosigner of a mortgage loan with my daughter and son-in-law. I live 6 hours away from the house at **, which is in foreclosure. I was not notified by either my daughter or Wells Fargo that there was any issue with this loan again. My daughter had been late on payments. Wells Fargo instructed her and her husband to stop making payments for three months to qualify for the loan modification program. Then, when the paper had to be signed, I was asked to sign again, with the understanding that if I didn't, they would be foreclosed on. I signed the papers. In November, my daughter last her job and they were late on the payment. They paid all payments until April when there was a large fee. It was because of the late payment in November and a late fee that caused all consequent payments to be insufficient.

In April, they refused to accept any further payments. My daughter and her husband continued to be in touch with the lender. And then in late August, they asked for a payment. And on the same day, they received a refund of $115. They did not give them that payment, because they were at this point confused and other explanation was given to them. I have retained an attorney to represent me. This home is underwater by 63%. The neighborhood has become very high in crime. I am disappointed with my daughter for not keeping me apprised of this situation. But I'm angry with Wells Fargo for what I would classify as fraudulent and predatory activity that continues even today.

I got behind and was not allowed to make payment. I received foreclosure notice. Then, I was told by "modification" loan processor that she would postpone foreclosure within 15 days of the foreclosure sale. The loan processor called on Friday before holiday weekend after 5pm. She was needing other material. She said she would call and stop sale on Tuesday, after Monday holiday. The house was sold at 9am. She then said, "She was just a secretary." She said that this would be our "last conversation". I called a local attorney who was doing the foreclosure. His stupid witch hung up twice on me, when I asked to talk to attorney.

I finally got calls from the buyer of my own home on Tuesday afternoon. He didn't know I had a lien against. And he said that he didn't know I occupied the house and was having to file a lawsuit to contest the sale. As I was told, I would get a 'work out' plan. Now, WFHM has stolen my house and my $70,000 in equity. They won't talk to me. They won't let me refinance. And even if I win the lawsuit to reverse the "foreclosure sale" as the buyer already blew away, I can't get anything from them. WF told me to talk to the lawyer. The lawyer won't talk and hangs up.

I was told that WFHM "investor" no longer wants me and they will take the home back. I have no place to live. They have stolen my equity and still have judgments against me. Thanks to the 15 years of loyalty and consistent payments. I find they under-report to Fannie Mae. Obama is too weak for these mean spirited kids that run this place. Where is the compassion? Did any of them ever have a death divorce or some other problem?! Someone at Wells Fargo is evil and trying to steal from the poor to support the rich.

I've been trying to get a modification with ASC since 2009. I kept sending paperwork to either get denied or say they didn't receive. They said I would be qualified for a HAMP, but I didn't get December earning. So, I am disqualified. Then, they said I couldn't have a HAMP. I asked if I could send it all back in. And I asked them if they really could help me with a loan modification or is it just a waste of my time. They said, "We would like to help you keep your house and we have new programs coming in all the time." I even did a 3-month trial period just to find out that they wanted $8,000 up front to continue with modification. And they didn't modify. They just put everything on the end. Now they foreclosed and nobody helped. It should really be investigated and all the workers. One would tell you one thing and then another would tell you something else. I sent in 3 years of paperwork. I got no help. I even asked for original documents but I never got them.

I was cheated into foreclosure one year ago, and I went through all the usual, lost documents, bank errors and impossible deadlines as everyone else. I started a petition to address the most common predatory behavior by banks.

Our bank is pushing us into foreclosure, and we are paying our full payments. They have charged us for appraisals on our home and appraised our home $300,000 over what the market will bear. They refused to give us our current title which we know was sold and had incorrect information on it. The have refused to lower our 6 1/2% interest rate, although we have plenty of income. They have refused to give us a modification for multiple different reasons, although they have had us resubmit paperwork for 7 months. We are terrified and have nowhere to turn to because ASC just told us that they don't even own our loan and they won't give us the exact contact or title. They just say, "Write to Citibank." They have cut off our credit line which ruins our credit.

Literally, this is what happened. My husband and I are successful, hardworking, and honest TV producers who have had perfect credit and paid our mortgages for 31 years. When interest rates dropped, our mortgage person at the Toluca Lake, CA branch said that they would never refinance us because we are upside down. We called the Wells Fargo ASC line, and they said the same. We had perfect credit and a 6 1/2% rate. Then, our tenant in the house stopped paying and we had to evict and arrest him so payments on the mortgage and equity lines ceased for several months.

Since February 2011, we have submitted thousands of papers to obtain a modification and papers are repeatedly lost. Operators change, account executives lose information, and in the end, they take our income which is about $24,000 a month and say that according to them, when they amortize it out in their system, we only make $4,000 a month. Go figure. When they sold our loan the title got the wrong information on it but they refuse to provide it.

Today we found out they have charged our account over $150 to appraise our house for foreclosure. We are making full payments now. They are ruining our credit by closing our accounts to intimidate us and all we have been trying to do since February is work with them to pay our bills. We are literally terrified this morning and don't know what to do or where to turn to. There are websites with thousands of people experiencing this same thing. Please help us. Please, please don't let Wells Fargo/ASC get away with not doing what the President has set aside to do with homeowners.

It is really sickening that the government can't do anything to Wells Fargo. I submitted my papers to them more than 200 times, and I have been dealing with them for more than 5 years. I don't know what freedom the leaders of this country are talking about and what dignity they are talking about when you don't have an authority over a bank that you bailed out with billions of dollars. I am tired and something has to be done to these gangsters, in which their appropriate place is behind bars. So far, I spent $170,000 and still have 6 years left on a house that worth $7,000 now. It is really sickening that I want to throw up.

We have 11.50% subprime loan through Wells Fargo Financial. We were lied to, was told our taxes and insurance were included in payment (not true). We have been trying to get government help to reduce this interest rate for years and have been told this loan is owned by a private individual that does not have to help us. We are trying to go through the modification program again.

Last year, they lower our payment to 60 a month for a year. They are liars and we need help. They called us to refinance our 7.50% mortgage, stating they lower our payments. At the time we had a second mortgage.

I do not trust Wells Fargo Financial and I do not think we will get treated fairly.

I lost my job in Nov 2008 and I have looked for a job but with no luck. I lived off unemployment though savings. My unemployment was going to run out in February 2011 and I knew I was in trouble. My wife's job was cut to four days a week with a 20% pay cut and had to stop my medical insurance, etc.

In Oct 2010, I applied to WF for a loan modification. I had never been late with a payment all the years I had a mortgage with them. They ran me through the ringer with paperwork request, etc. Several times, I was told that they were going to help me then in a few days, I would receive a letter stating that I did not qualify. I called back and said that they would review. This went on for several months.

Then in April 2011, I was told that I was approved but that I had to agree to an escrow account. I said that if they reduce the payment, I would do that and that I had to make three months payment on time at a reduced rate 507 instead of the usual 1,014. If I made all the payments on time, I would have a new reduced payment. Well, I made all the payments as requested and never heard a thing. I called back to get a figure for my next payment and I was told that it was 2,800 and behind in payments and that my new payment was going to be 1,350. I said that this cannot be.

I have continued to contact them and was still making the 1,014 payment yet they still tell me that I am delinquent. I can't take much more of this. I want to go to Iowa and try to talk with someone but I was told that I would not be allowed in the building as it was secure with guards.

I want to save my house which is all my wife and I have. Today, they told me again that I have too many liens on my property. I told them that the only one was theirs and they told me I was lying. I went to the county court-house today to check and sure enough, the only lien is with WF for the mortgage. I called an attorney and he told me that this is typical of WF and it's a delaying tactic. They want more loans in default to go to congress for another hand out.

We have had our mortgage with Wells Fargo (Louisville, Ky) for years. We never had a late payment and it always came out of our checking account first of each month. I never received a return call after calling the local office twice to inquire about refinance. I then went to Fifth Third and refinance our home.

Wells Fargo got their payoff on July 26th 2011. Today is August 17th 2011, and we are still waiting for our escrow check. Yesterday, I spoke with Mike, who pretty much said too bad. When I asked to speak with a supervisor, I got Cathy, who then said it was somewhere in the mail. Really? Why does it take so long to mail out a check? If it was my payment you all would be crazy after me. Your so-called corporate people can travel on my money, but I can't?

My husband and I have bought and sold several homes. We have never waited longer then ten days after a payoff for our money. Of course, we never did business with Wells Fargo before. It is so sad as I read all the many complaints about this company that a law enforcement agency has not looked into their books to see just how much money they have stolen from people and how long they hold on to what is not theirs.

I hope maybe this gets to someone who can find my money. My son-in-law is in the real estate business here in Louisville, Ky and has told buyers and other brokers they should not use Wells Fargo. If other people will follow suit maybe across America we can get rid of the crooks.

We had a home loan through Wells Fargo for the last five years. We always paid on time. We sold our home in a traditional sale and applied for pre-approval for our next home but we were denied three to four weeks later saying the application was incomplete. We have since acquired a home loan through Regions Bank in Knoxville, TN with a great rate of 4.25%.

Because we sold our home quickly and Wells Fargo took so long, we were forced to rent PODS for three months as well as an apartment until our closing with Regions was finalized. We were so glad Wells Fargo thought little of us. We will now bank with Janette ** at Regions.

We have been fighting for mortgage relief with Wells Fargo for almost 3 years! In 2008, we contacted Wells Fargo Bank to inform them that we were having trouble making our mortgage payments due to loss of income because of the economic downtime.

We began the loan modification process and in November 2009, we were granted a 3-month trial payment plan. This payment plan lasted 7 months! During this time, we were repeatedly asked to provide the same information over and over again.

Further, the trial payment amount was almost as much as the original mortgage payment. The trial payment was not applied to the principal of the delinquent payments.

In July 2010, we were granted a modification. This modification is nothing more than a band aid fix. Our interest rate was lowered yet, our payment remained high. The past due payments were not forgiven and we are still upside-down in our house.

We owe less than $729,000 and qualify for President's Obama's "Making Homes Affordable" program. Yet the bank has offered limited benefits to us from this program. In addition, the loan modification is structured in a way that our payments continually go up over the next 5 years, which continues to cause economic hardship for our family.

They worked with us for over a year. They gave us temporary mortgage deductions and then told us we did not qualify for the program.

Then after over a year, they reconstructed our mortgage. Modified it to tack on $20,000, more in back payment, legal fees, etc... Then, they added on 13 years to the mortgage.

So, when this all started, we had a mortgage balance of $168,000, a payment of $1,291 and a 27-year mortgage. Now, after their procrastination, we owe $189,000, our mortgage payment is $1,220 and we have a 40-year mortgage.

They put us in a worse shape that we could ever think possible.

I have been working with mod specialist since 2/2010. My original mortgage payments were $2347. I had lost my job and wanted to lower my payment so my husband and I could keep our home. We were never late and we were trying to keep it that way.

On May 4, 2010, we were put into "making homes affordable program." We were told that if we made the reduced payment of $1223.30 beginning 5/6/2010 through 7/2010 with a balloon payment of $5728.58 due 8/6/2010, we would have a loan mod with reasonable payments. I told the "borrower counseling service" that I could not make the balloon payment and I was told that W F did not expect me to, and that it would be added to the end of the loan.

I made the reduced payment as instructed and the whole time I received letters telling us that we were not approved, that we were behind, and W F was preparing to foreclose. This went on until 12/2010, then they told us we were in the wrong program.

We received a letter on Jan. 24, 2011 telling us we were being put in a Special Forbearance Plan. Our new payment of $1972.41 was to begin 2/27/2011 and that we would get the modification.

Well, here we are August of 2011, $17,035.16 behind and was told yesterday by W F that they have good news for us. They worked out the number and we can have our interest rate reduced and our payment will now be $2543 a month. That is $200 more than when we started.

This is criminal. By doing what I thought was right, I am in arrears and facing a bigger payment. Someone please help. Stop Wells Fargo from stealing from the little people.

Excellent credit score, great income, 20% down, appraisal over price paid, pre-approval letter.

This was a short sale with bank approval. Wells Fargo had appraisal in hand for 1 1/2 weeks and three days before signing date, they question the fact that the home is on a private road and they want a road maintenance agreement added to the title. This is a vacation cabin that is on a road with three other cabins that are vacant 2/3 of the year and Wells Fargo wanted us to get signatures and a road maintenance agreement written up and recorded on the title before they would proceed.

We contacted the country records and they stated "none" of the lake residents have maintenance agreements -- these are cabins around a lake that have been here from the 60's on and they all are on side roads from the main county road around the lake and getting a maintenance agreement is no easy deal, it requires legal language and agreement and signatures. Most owners just plow the road and handle the maintenance privately among themselves.

Wells Fargo denied our loan because they wanted a maintenance agreement -- even after I contacted the county and got a plat showing that the paved county road crossed the property with a 35-feet frontage that would give anyone access to the property off the county maintained road in the event of an emergency or fire, etc. So their argument that there was no access was bunk and they denied the loan without merit.

Wells Fargo would rather foreclose than complete a short sale. As a realtor, representing cash buyers on a transaction, Wells Fargo approved the short sale; then declined it because Jeffrey ** said they wanted buyers, who were buying in their LLC. This is to provide not only member names, but also each of their personal trust documents. It was a cash sale, and buyers were "arms length" buyers. No need to disclose further personal information to a bank.

The house will now go into foreclosure, damaging the seller. The buyers worked on this for five months, and now have to start over. Realtors representing each side will receive no compensation for all the months of work. Banks have been behaving badly, but Wells Fargo and Bank of America are every realtor's nightmare.

Since December 2009, we have been in Wells Fargo's Mortgage Modification Program! This process has been the most un professional experience that we have ever experienced! Do to this our family is hanging on by a thread.

We fell behind in our mortgage payments for the first time in our lives. We have been trying to work out a solution, but Wells Fargo is trying to strong-arm us in to paying $300 more every month knowing we don't have that kind of money. They are assessing higher and higher late fees. They refused to help us modify our account. We also sent them $1,000 as a partial payment. They said they were 'refusing' the partial payment, but they also 'refused' to send it back. They have it in a 'holding' account along with the $300 additional payment we managed to scrape up this month.

Meanwhile, while they were 'holding' the money they 'refused' to apply to our past due amount, the interest and late charges are accruing. The late charges fluctuate between $55.12 to $74 per month, which means we will probably never be current again. They keep telling us we can modify our mortgage etc., but every time they tell us it looks good, they then come back and tell us it has been declined. Thus far, I have not received an itemized statement from them showing payments and how the money we have sent is being applied. I feel trapped.

I'm trying to refinance my Wells Fargo home mortgage and after my initial phone discussion agreed to move forward with rate and details. I received my paperwork and reviewed it only to find errors.

It has been two months, several phone calls in which Chad stated he was wrong and I was right, yet he still has not provided revised documents. Time is ticking away in which I can refinance at the rate I was originally quoted. If I lose my window, I will need to restart the process at the current rate, which is higher.

Clearly that's probably what Wells wants so they end up locking me in to a higher rate mortgage. This is wrong. They should provide me with paperwork that states the appropriate fees (not overcharged like the original ones were stated). I'm afraid that if I spend money on appraisals and other services, I'm going to get to the end of the period to sign on refinance papers that still are not right.

I have a very lengthy account of a re-finance disaster with Wells Fargo, and was hoping for a fax number to send it too!

I applied a conventional loan and was told my loan was approved good faith estimate and this was to refinance my home.The lender ask me to pay the appraisal upfront and promised I will get credit during closing. My loan balance on the loan is $120K and the house was appraised for$540k. I finally got a call three weeks later that the loan did not go thru and he promised to refund the upfront appraisal payment. After several calls to get my money including talking with the branch manager Brian Border at. 310-261-343 ,the decision was reversed not to refund my upfront appraisal fee paid by me.

I went through the foreclosure, short sale and modification process with Wells Fargo. I am out of the house which I bought for $310,000 that sold short at $68,000. This process took from 2008 to December 2010. My credit was ruined, my stress level caused my health to decline and I do not wish this process on anyone else.

Once you are in this process, you cannot get out without either paying dearly, or losing the house. I suggests that if you are current, go look for a less expensive place to purchase and buy it, and let the house you are in go back to the bank. Unless of course you would lose a ton of equity - then you need to fight. You will not get a modification if you can afford the current payments and WF cannot do anything if you are current. Unfortunately, you have to go in arrears to get a modification and all that does is stretch your mortgage out 35 to 40 years for the same amount and interest rate.

I feel bad for everyone here. If I had to do it over again, I would not have purchased in the high market. Actually, save your money while they are trying to figure out what to do and maybe you will have enough to buy something out there cash!

I have a horrible credit and I cannot get a job because of it. I have never had a problem getting a job in my entire life. This is a horrible situation and it is rampant across the country and not unique to Wells Fargo.

I contacted Rachel to discuss and attempt to refinance my mortgage. When we spoke of terms, there was one fee to be paid, one for $22. They immediately charged my Chase checking account for the appraisal. The appraisal had not been ordered. The charge was unauthorized. They are going on one week, and there is no refund of the charge. I have contacted the lady; I spoke initially to her supervisor and her supervisor's supervisor. The latter apologized in writing, and promised that he didn't know what happened.

Our home loan is with Wells Fargo, But BAC service the loan. BAC will not refinance our home loan after we have sent papers and faxed papers they still say that they do not have a program for us. Wells Fargo have not step in to do anything to get this loan refinance or payments lowered. They are quick to call when the payments are late, but when you need help nobody want to talk to you. There are no programs available for you what kind of crap is that. The property has dropped in value due to foreclosure in the area and they are trying to get the same amount of money.

My loan is with Wells Fargo but BAC is the one that service the loan. BAC is not will not refinance my loan I have it is not their loan so why do I have to deal with them to get refinance. Well fargo should have had this refinanced months ago I have been trying to get my house refinanced for over a year. I keep getting the run around. I send in paper work to BAC and they say they dont have it. Wells fargo know that this is their loan but they have done nothing or stepped in to help. BAC pushed my payment up to 600.00 more a month. Payments where 1353.000 before the 600.00 was added. I went into the hospital and my husband could not keep up with the payments and we fell behind. I went to the workshop BAC had in May and was told that if my loan was with Countrywide that I was able to get my payments lowered that never happened they tell me that they don't have a program for me why would they it is not their loan.

Here is what happened to me. Back in the middle of May, I received a call from a Wells Fargo representative offering me refinance program options. In the past, we were very skeptical about this; but, we decided to give it a try. So, I started the process with Wells Fargo Home Mortgage and explained to him what I was expecting from this refinance. He sent the first set of papers around May 26th, told that the process will be quick and easy -- that I will closing by June 15. So when I got the contract, I noticed that it wasn't something that will work for me. First, because he was asking for almost $7,000 in closing fee, which I told him from the beginning that if I had to pay closing cost, that he was not to even bother.

I called him right away; and in our conversation, I told him that I was planning on staying in the house for another 5 years or so and then sell. So, he said that he had a better program -- the ARM Loan -- that for 5 years, I will have a low-interest rate and that after the 5 years, the interest will go 1 point a year; and that by being in a lower rate, he will be able to play with it and make sure that I didn't have to come up with any out-of-pocket money. I said, 'Great. Send me the new contract.' The next day (June 2nd), I received a FedEx package, the contract inside, the same as the first one except a couple of dollars difference. So, I e-mailed to him the next day and asked what was going on. And I put in writing that what I was looking for with ARM Loan. I have done the research. I read what my rights were in regards to this loan.

He wrote back that they sent the wrong documents, that what I was asking for was impossible, but he that he can offer something similar and he did. By then, he's response to my June 3rd e-mail was in June 6th. So again, I told him, 'Send (FedEx) the new contract based on what we talked about. I will go over them and if everything looks good, I will sign and send them back right away.' In the meantime, I was under the assumption that because he told me that the closing date will be no later than June 15th, I thought I didn't have to make any more payment on my old loan since I already got a letter that they sent, requesting the payoff for my loan. On June 13th, I e-mailed him, following up, because until then, I haven't heard or got the new contract yet; and I was getting worried. He writes back that he was in training and that the Fed Ex he sent before leaving came back undelivered, which for me was strange because by now he has sent me 2 Fed Ex already.

So I asked, 'Can you just e-mail the document?', and he did. We signed them and sent (FedEx) them to him the next day (June 14th). On June 16th, he e-mailed me that he had to restructure my loan just a little bit to incorporate a year's worth of homeowner's insurance, that he had to change the interest rate and that payment will change a little, $12.00 to be more specific, and that I will receive about $1,600 of my escrow account back (You are starting to see the picture). At this point, I told them that was fine and to send me the revised paper via e-mail so we can sign them right way. On June 16th, I received a FedEx package with a contract and a Disclosure Document book from Distribution Utility Center. I e-mailed him asking what was I supposed to do with it -- if I need to sign and return it.

There was no response. So again, I e-mailed him on June 21st, because I had received another FedEx package with the same contract, same book as the one from June 16, but with a different loan number and different amount. His response was, 'That copy is for your records. No need to return it.' I also asked about the status in specific about the closing date. His response was that the file was with the underwriter, that it will not be much longer. Around the week of June 24th, I received a letter from Wells Fargo that because I was behind on my payment, I was close to foreclosure, etc. I called the 800 number back and explained that I was in the middle of refinancing my house and that I thought that I didn't need to make payments. He said that that wasn't the case -- that I need to make the balance payment by July 13th. He said that there was no records of my refinancing.

I told him the new loan number and he couldn't find it; so, that's when I noticed that because he had sent me two (2) FedEx packages with the same documents, only one copy was the correct one. The customer service representative was able to find my information. He told me to call the person I was working with and explain my situation. I called right after I hang up; and that's when he acted surprised that I was not paying my mortgage. I told him that I assumed that was the case because I was supposed to close back in June 15; and that he already had requested a payoff for my mortgage loan, that I need to wait for my new payment. He said 'no', and that he will talk to someone and call me back. He called me back an hour later to tell me not to worry, that we just need to accelerate the process and have the closing by the end of June.

Yeah right, this is what happened after my call. On June 27th, he e-mailed some documents that we need to sign, that I guess he forgot. On June 28th, he sent me another e-mail that the title company was requesting a couple of items, plus our ID's and social security cards. I e-mailed him everything back on the same day. On June 29th, I received another e-mail from him that the UW was requesting a utility bill and a letter explaining why my current phone listing stated on the application was a different name. But, right away, he said to disregard that this wasn't mine. On June 30th, I e-mailed a follow-up to see if the documents I sent him for the title company were correct, but there was no response.

Well, yesterday, Friday, July 8, I e-mailed him in the morning to follow-up and check on the status, since by then, I had received another letter of payoff and my new Homeowners Insurance Policy on the mail. I have not received any more calls from Wells Fargo about my payments so I assumed, well, I guess, everything was good. So I just need reassurance. Guess again. He e-mailed me back and this was his response, "I just learned from underwriting that because you have not made your mortgage payments since May, you are disqualified to refinance using the FHA streamline program. The only way you can complete the refinance is if you can call customer service, pay the mortgage and get them to not report you as being late. If you can get customer service to report the mortgage on time, you won't be eligible to refinance again until you make your payments on time for 12 months. Please let me know how you're going to proceed."

Now, you see my dilemma. I have never being late or missed any of my payments before May, even when I lost my job back in March 10 and was without a job for 7 months until I started in January on a new job, paying half of what I was making on my previous job. So when this deal was present and he told me closing in June 15 and not to pay until August, I said, "Great. I will use the money that I am supposed to pay my mortgage with, and start trying to payoff some of the credit cards that I maxed out in the period that I was jobless." He is washing his hands because one of the things he said when we went back and forth e-mailing yesterday was "You weren't advised of the situation when you told me about being contacted because I tried to still get the refinance done with late payments." When? That's not what he told me. He said that we just need to accelerate the process to close soon by the end of June. Now, that is all what he said and what I said.

We got a loan to buy a foreclosed house by Wells Fargo. The loan was through them as well as the property we were buying. Everything was going according to schedule. Our closing date was on June 27th 2011, which is what they wanted. We agreed. On Friday, the 24th, the paperwork was to arrive for the title company to go over for Monday. I took the day off work to be available, for any time we could close. Monday morning, the title company called and said no paperwork had arrived. By 1:30pm, with no paperwork and no response from anybody w/ Wells Fargo, I started going through our paperwork looking for anybody to call. I left a not-so-nice message for a Bruce **, not sure what his connections are; but 30 minutes later, the paperwork arrived at the title company. Needless to say, there was not enough time. It seems somebody, Heather ** in Jackson, Florida couldn't manage to do her job. Either she got our paperwork over at 4:41pm then the sellers didn't do their job to get the their stuff in order by 5pm when the banks closed; so we were unable to get a cashiers check for the down payment. Still at 5:45pm, the statement had not been sent back from the seller. Now, I have to leave work early, and drive twice the distance to try to close a major inconvenience today.

Do you think Wells Fargo cares? ** no! They are too busy sitting on their ** somewhere ** someone else today. I hate this bank and all the people who represent it. I would like to send a letter to the CEO because if I were him, I would be embarrassed; but there is no way to know who to contact because Wells Fargo has too many people in all the United States, handling stuff that could be done right here in Virginia. If anyone reading this knows how to get the proper action, please let me know. I can't wait to refinance with someone else as soon as possible. Wells Fargo doesn't deserve to make money off of me. There were other issues as well. I could just continue to go on. I'm completely dissatisfied with the banking structure. Nothing has changed. The banks still do whatever they want, of which ** the American people is what they do best.

Wells Fargo Home Mortgage turned down a loan even though we have a 60% equity position in the home. Our credit rating is 816+. Their processor made some errors and to cover it up, they just refused to make the loan. I asked for all the items previously sent to them to be returned to me. I took all the returned items down to the Port Washington State Bank, and they not only approved the loan, but reduced the rate from 4.25% (Wells) to 3.25% (Port Washington State Bank). Even when they're messing up this loan, they refuse to return my $400 they spent on appraisals, though I have a letter from the loan officer agreeing to pay for the appraisal. They have a bunch of rookies working at Wells Fargo Home Mortgage. I would not recommend them to anyone.

Twice, we completed paperwork to reduce the interest rate on our 30-year fixed loan. We have been paying our loan for almost 7 years and have not missed payments ever. We simply want to reduce the amount we pay every month and that looked to be about $300 less or so. And twice, they tell us 'we don't live there', as a reason for denying us the refinance. I'm not sure why I cannot get a lower payment since I have been able to make the current payment all this time and should prove to be a good credit risk. I was told this would be a government loan using those funds in the bail out I would presume; and yet they won't distribute them. We have no contact information for the mortgage department through Wells Fargo. They are impossible to get to and our loan officer has not been the best to deal with during this process. He is completely uncommunicative.

My name is Sheri ** and I am writing to share some serious ethical concerns regarding Wells Fargo Mortgage.

In the summer of 2008, my former spouse abandoned me and my two small children, leaving me with a home I could not afford on my own income. I pleaded and begged Wells Fargo to work with me, and offer me solutions to save my home. They refused to. Instead, I was left with no choice then to place the home for sale. In a dismal economic market, my $420,000 home was not even worth half of what I owed.

Over the course of three years, I had three offers (all between $235,000 to $265,000), all of which Wells Fargo denied. Finally in November 2010, I thought I was going to catch a much deserved break. My real estate attorney successfully established a mediation meeting, and in December 2010, Wells Fargo and their attorney's agreed to cancel the foreclosure sale scheduled for January 2011, and allowed me to put the home back on the market one more time. The agreement (which I have in writing) stated that after 90 days of being listed at market value I would be able to apply for a deed in lieu. Instead, prior to the 90 days, I actually had an offer on the home. So once again I attempted to short sale the home.

During the process, it was discovered that Wells Fargo went back to court (prior to the 90 days they promised in writing) petitioned the court for a new foreclosure sale and was awarded a new sale date now scheduled for June 7, 2011. Simultaneously, the short-sale department was still working with me, my ex-husband, and the buyers to close the short-sale. On Friday, June 3, 2011, the Wells Fargo negotiator came back to say that the offer of $235,000 was too low, and that they would need at least $245,000. The buyers agreed and we signed the addendum.

On Monday, June 6, 2011, the Wells Fargo negotiator came back and insisted that the seller (me and my ex-husband) pay $15,500 to close. We agreed. On the morning of June 7, 2011, the Wells Fargo Negotiator contacted my attorney and informed them that they would not cancel the sale, and had decided to go ahead with the foreclosure. Later that evening, I reviewed the court files and it stated that a Certificate of Sale was issued, so I knew that someone bought the house at auction. Today, June 9, 2011, I received a copy of the Certificate of Sale. To my shock and disgust it stated that the home was sold to Wells Fargo Bank for a mere $100!!!!

I am writing this letter in complaint of your unfair and degrading modification/foreclosure process. I have endured a two and a half year beating by your mortgage company. This process began with me requesting a modification in 2009 prior to ever being behind in payments, until a few months ago, when I was denied a modification for reasons totally different from what I'd been told for two years!

I find it absolutely insulting that Wells Fargo is sending me letters that state you want to help me avoid foreclosure! I have followed every step and procedure requested of me for the past 2 years! I have consulted with everyone available and even asked a residential law firm to look into my case. Wells Fargo has made no genuine attempts to help me. Everything I was told was just done to increase my debt and reduce my chances to keep my home! Upon denying my modification, I was instructed to sell my home through the short sale process. I put my house on the market for $85,000 less than my original mortgage.

The house immediately was put under contract for a price of $159,900. I, believing I could very soon be homeless, have moved out of my home. I am now renting an apartment and still paying bills on the property address. I find it insulting that a person half my age, no where near my employment history, will be able to take my home from my family and I, and probably pays less in a monthly mortgage than I now have to pay for rent! I find your policies and customer service the worst of any company I have ever dealt with. I find you misleading and arrogant in telling me to vacate my property and then pretending you want to assist me by sending me a letter saying you want to help me avoid foreclosure and also scheduling a court mediation date for me in July.

Now that I have done all I've been instructed to do, I find myself still submitting documentation and being investigated as to whether or not I qualify for the short sale that I was instructed to make. Now I am being told this process can drag on for months. This, with your recent correspondence is absolutely amazing to me! The fact that Wells Fargo can manipulate and destroy a person's life rather than simply help them is beyond me.

This letter is in regards to one of the largest, top rated home mortgage lenders; Wells Fargo and their deceitful, false representation in dealing with home loan modifications/reductions. President Obama put together a $75B mortgage relief program which provides incentives (money) to lenders that help qualifying homeowners who are on the verge of foreclosure. The goal was to lower monthly mortgage payments to sustainable levels, but the outcome has been that qualifying homeowners have been scammed and thrown into foreclosure more than before.

The fact is that incompetent lenders are receiving monies before the completion of this loan modification/reduction process. Homeowners are being told in good faith that they qualify and while in the process of completion, they are foreclosed on. I know this first hand because I too was foreclosed on without any explanation. On 07-2010 Wells Fargo told me that I qualified for a loan reduction/modification but I needed to pay $2,300.00 for approval. I wired them $2,300.00 that day. On 08-2010, Wells Fargo phoned me with some questions. They told me everything was complete and approved. I told them that I would like to have my monthly mortgage payment deducted out of my bank account, and they will mail me the form.

On 11-2010, I received the form for debiting bank account. I phoned Wells Fargo with some questions and was told that mortgage payment/debit would start on 12-2010. Then, 4 months later (3-24-2011), I have a notice of trustee's sale posted on my door, saying that my home is to be auctioned off on 4-13-2011. What happened? I phoned Wells Fargo and asked for some explanations on why they didn't mail me something, phone me, or try to contact me. They have all my correct information. I asked for an amount that we owe them now, so I could pay it. I was told, that it's not in my file, so we have to get the paper work started again and I could ask for a foreclosure suspension, so we did.

I was told to call back and check on the loan modification/reduction approval and the foreclosure suspension. I called daily, sometimes twice, checking that nothing had been posted. On 4-06-2011, I telephoned Wells Fargo again, and nothing was posted. I again asked about an amount that we could pay to stop the foreclosure. I was told, again, "Nothing had been posted." I asked, "What's taking it so long?" I was told that if I pay them $3,200.00, things would speed up, get going faster. I reminded her that back on 7/10, I paid $2,300.00 to qualify, and now, I am on foreclosure with a sale date just a few days away. I want to know where that money went and what happened. I was told that it's not in my file.

On 4-12-11, I received a phone call a day before my house is to be auctioned, telling me that I had been denied. Now, they have an amount I could pay to save my house, but it's too late for me to pay. Why wasn't I told of an amount? Then, I asked for supervisor and was told that they do the same thing as a supervisor would, so how can they help me today? They also informed me that Wells Fargo almost always buys the houses back. I didn't understand at that time what this meant. I was told that Wells Fargo will get in touch with me after the auctioning of my house and try to work a plan that suits me.

My house was auctioned off the next day, and 2 weeks later, I received papers that Freddie ** bought it, so that was what they meant. I then phoned a Wells Fargo loan specialist locally whom I know and was told that this is a game that Wells Fargo plays and he said, "Just do everything they ask and it should work out." But what he should have said was, "Just do what they ask and move out." Any help or information would be appreciated.

In June 2006, I had to refinance in my own name due to divorce. I used CFIC Home Mortgage which I recently found out was the trademark for and doing business as Challenge Financial Investors Corp. in Florida. I was actually charged $2,900 and the change origination fee. Then, I was charged twice for what is contained in origination fee making it look like CFIC and Challenge are two separate companies. I'm dealing with the fraud already.

As to Wells Fargo, my Servicing Disclosure stated that Challenge would be servicing my loan but, I guess, because of their licenses being revoked in many states, they were in a rush to get a letter out to me transferring service to Wells Fargo--transferring, not selling. This letter is dated the same day I signed the loan papers and before the 3-day rescission period expired; which I am researching if this is additional fraud, which I suspect it is. Well, my New Year's resolution (2011) was to not pay my mortgage since so much foreclosure hoopla fraud has been brought to our attention. It has been almost five months now and still no State Marshall is knocking at my door with the Summons Writ and Complaint (Judicial Foreclosures here in CT).

Much research has been done by me so I found out the right questions to ask. I always go to www.wellsfargo.com to sign into my account and request information and/or documents on their website email option. I emailed them asking for the appraisal that CFIC obtained. When CFIC called me with the "good news" that my appraisal came in at $170,000, (being a paralegal practicing honesty as the best policy and after attempting to sell my home at fair market value provided by a realtor for $169,000), I told the broker that I did not agree with the $170,000 value (home values already started going down). I had my own appraisal done by a licensed appraiser in my area (CFIC used Internet appraisal from an out of state company that they are associated with).

My honest appraisal came in at $165,000. When I finally got the US Postal mail from Wells Fargo, they simply sent my own appraisal and not that of CFIC. Yes, I requested the CFIC again, this time, stating that if I am not given it, I will sue for damages for every violation of RESPA. If you state RESPA, they have 20 days to acknowledge your request and 60 days to resolve/send information requested; if not, you can get money damages.

Anyway, included in the mailing was a one-sheet appraisal obtained by Wells Fargo via First American. Obviously, this was a fraudulent appraisal because so much information was missing on the comparable homes. Now, this appraisal was performed in May, a couple of weeks prior to my signing my loan documentation. Obviously, CFIC/Challenge was already in the process of selling my loan before papers were signed and comimtted fraud regarding the Servicing Disclosure which I signed the day I signed all loan documents.

Just for the record, Servicing Disclosure is to be supplied to the borrow within three days of their receipt of my loan application, which they did not do (I have the original closing files which contain copies and/or originals of every paper sent or received (paralegal here, we know how to save even the littlest receipt)! The Wells Fargo appraisal came in at $186,000 - $202,000. So, now, we have three appraisals.

Now, I own a 1920's one level 952 square foot bungalow. I researched the homes that Wells Fargo appraisal used as comparables. These homes were double the square footage of my home, newer homes and one was actually a two-family with 1,798 square foot. Tell me that there was no appraisal fraud happening here! By US Postal Service ($0.44 stamp), I have sent a copy of the Wells Fargo appraisals with my handwritten notes where the information was missing about the comparables, asking Wells Fargo for an explanation.

In 2007, I did fight for my modifications to the point of getting my attorney general involved. Wells Fargo sent me the modification in the mail for me to sign. I sent it back in the DHL envelope supplied with the modification, yet Wells Fargo kept denying it and obtain legal representative (CT foreclosure mill attorney) to foreclose. After dealing with WF to get them to honor the modification, I sent back and after faxing it to their attorney, their attorney stated that according to their contact at Wells Fargo, I was actually current on my mortgage. But Wells Fargo kept threatening me with foreclosure anyways.

My modification was handed over to WF Office of President and it finally was honored after two years of me not giving up. What part of paralegal did they not understand? My monthly payment was reduced by only $200. I recently found out that it was an in-house modification, not HAMP. WF refuses to either record the modification on land records or to send me the original to record. I requested a fully executed copy of the modification (with WF signature), but they told me that there is no fully executed copy and kept sending me copies with just my signature.

What a sweet revenge. After complaining to my attorney general about this issue, I finally got a fully executed copy with a cover letter from the secretary to the president of WF. I know now that it was sent to me (signed by a robosigner) just to shut me up. I printed and saved the emails from www.wellsfargo.com site and highlighted the customer service's response: "no fully executed copy of the loan modification exists." I'll be laughing all the way to land records once I obtain Quiet Title. Yeah, right. One does exist!

On 2-16-11, I called Wachovia (888) 642-0257 and stated that I would be paying my mother's mortgage for the last two months including the late charges. So that they could be informed that the payment was coming from me and not her. They stated that it's okay and I just make sure I use her account number, which I did. **. I then called back to see where was the nearest Wachovia bank. I was told that Wachovia was purchased by Wells Fargo Bank and that I could go into any bank and make the payment.

I then inquired about online banking, if I could use my bank B Of A and transfer the money. I was told yes, I could do that as well. Therefore, on 2-16-10 prior to 3:00pm, I performed a quick payment transaction with a $10.00 fee added on top of the amount I forward to Wachovia / Wells Fargo Bank ($2,118.32) which includes $160.53 in late charges. Two days later my mother called me and stated that they do not have the money and it is not posted to her account.

I then called Wachovia to see what was going on. I was told that they could not talk to me as I was not on the account. I had my mother call back to have me added to the account. I Called back as I was told that I had to send proof to the research department, which I did along with a letter.

As of today I received no calls or follow-up. I called my mother and she stated the same. I then called them back today and again they did not find the payment. I then called my bank just to confirm again to make sure. They once again stated that the money was transferred to Wells Fargo.

I was concerned that WFHM is not applying money paid to the mortgage at the time of the payment.When we make a partial payment, they cash the check and mark the payment on our statement.

However, it is marked as "Unapplied" funds. It does not go towards principal or interest. But rather, it reflects that we are more than 1 month late. Right now, we have $3600 in Unapplied Funds when our mortgage is only $2,371. It doesn't seem legal or right. If any amounts are paid, apply them appropriately.

We have received numerous phone calls from Wells Fargo, stating we are eligible for the loan modification program. We are never able to talk to the same person. One person tells us we qualify. Then the next representative tells us that we will never be able to qualify. Yet, we continue to be hounded by those calls. I have called them and told them to not to contact me any more but they still are. Even after we have received a letter in January 2011 stating we once again didn't qualify.

Today (2-21-11), I received a call asking if I was interested in a trial period of payment reduction. However, I would become delinquent on the loan and WF would report me to the credit bureaus. Really, this is meant to help? I can't believe the rep thought this was a good idea and that these words were leaving her mouth! I have been directed to direct my written correspondence to Mary **, executive vice president of loan servicing (who was quoted in the May 2, 2010 parade stating the WF wants to help people keep their homes). I think my written correspondence will never get to her.

OK, Consumer Affairs, what can be done here? What can you do tho help me and many others who have dealt with the same ** bring national attention to this fraudulent company?

Wells Fargo mortgage company called, offering a refinance. They refused to provide written details but wanted a verbal commitment. They called me back the next day and just hung up.

My husband and I have a mortgage with Wells Fargo bank. We were never late on our payments since purchasing our home in 2004. My husband lost his job in July 2009 so we decided to call the bank to see if they could arrange a lower payment for us. At this point, we were still current and were never late. We were given a paper to sign telling us to pay $100 for the next four months. Bear in mind that my monthly mortgage is $1609.00. We were told that the difference would not affect our credit since it was an arranged payment through the bank.

After the four-month period ended, we were given another paper to sign giving us the okay to pay $400 for the next few months. We were then given the okay to pay $650 for the next four months. Initially, we were told that it will take a process for us to get a modification and that we must be in arrears to be qualified. At each period, we were given various excuses as to why we couldn't get a modification. After a period of time, they kept saying that my husband needed to get a job, and we needed to show more income which was the reason we went to them in the first place.

Bottom line is that my husband now has a job. The bank also has us now paying $1635 which is more than even our initial mortgage. We are struggling to pay it but still have not been late on any of our payments. In fact, the bank takes this money out every month.

On February 10th 2011, we got a letter stating that we are now in foreclosure since February 2nd 2011. We called the bank and we were told that even though my husband got a job, we can't afford our home, therefore, it will go into foreclosure. We are now delinquent only based on the lower amount that we were told to pay each month. We were never late or short on any payments.

It would appear as if Wells Fargo deliberately set us up to fail. We want our home and we are not looking to leave. I would really like some help in this matter because it just doesn't seem right or fair.

I am in a contract with a loan officer at Wells Fargo Home Mortgage. We went into contract with the seller on December 13, 2010 with a closing date set for January 12, 2011. A week before we are set to close, my l/o stated that the file was in underwriting and we would need an extension. We filed and received an extension for January 27, 2011. At that time, I received assurances that we would be through underwriting. In lieu of needing a second extension, the l/o asked me to fill out a form to "fill in some holes". After reviewing the document, it was a loan application and credit card request which they needed for us to go forward in the process!

Upon receiving that e-mail, I contacted his supervisor. The second extension gave a deadline of February 4, 2011. The supervisor moved quickly and we were really close to the deadline when I received no correspondence from them 2 days before the deadline. They decided to hand the file back to the incompetent l/o, and now, the deadline has passed. The earnest money has been forfeited to the seller. The whole process seems wrong. It would seem reasonable that the l/o would have asked for the information before or within a few days of the contract signing. I have had no response to my inquiry on the process that was bungled by the l/o or the supervisor. Fortunately, I received a 3rd extension, but I am not confident with the way this company has handled this process.

There is loan origination fraud by Wells Fargo Home Mortgage employees who work for a United States National Bank and take consumer property into WFHM by deceptive acts, false statements, false claims, misrepresentation, intent to take property by deception, allowing third parties to take possession of consumer property in a larcenous manner--fraudulent acts which harmed the consumers and our nation's economy, which is now recognized as 3rd element of our national security.

GMAC Mortgage Corporation dba Wells Fargo Bank NA has the same PO box on assignment which all these good men present. You can see 4/16/2009 Assignment which is an example of a robo-fraudulent affidavit filed in my property, along with the omissions of material facts which are substantive and related to foreclosure gate.

Foreclosure gate was necessary to hide originations in which property was put into other pools already sold to third party where Wells Fargo Bank NA got credit for Origination and Servicer and its subsidiaries, affiliates, non-bank affiliates, joint ventures, third parties--the third party was the buyer and Wells Fargo was the seller (in secret).

Once a check is cashed, it cannot be deposited again. The transaction is complete. The check is a receipt of the transaction. Deal is done. Wells Fargo created MERS which has its first full commercial installation in 2003. To add, in a coordinated effort, you will find Wells Fargo Home Mortgage, Inc. merged out of existence (approved by OCC in May 2003) and merged into Wells Fargo Bank, National Association in May 2004.

You will find MERS registering in many states in 2004 in some fashion to engage in commerce like in NJ in June 2004. Also, MERS does not reveal the origination entities.

Wells Fargo & Co., using omissions of material facts, withholds substantive business elements that otherwise would have been provided in an authorized trust in which the lender does not resell multiple times the same 'certificates' in multiple offerings reported in multiple 10Ks, is able to substitute loans at will, and uses Norwest Asset Sec....1998-1 TRUST - ....

GMAC-RFC, which is part of Norwest Corporation in 1996 and part of Norwest Corporation merger of former Wells Fargo & Co. in 11/1998, continued business as usual. How can one tell without having accurate business information otherwise withheld from consumers to hide originations done in secret and in bad faith. How can one tell when the GMAC Mortgage Corporation is part of which member of the SEC? Or which business entity? My research reveals the PO Box placed in the legal document filed with the Court to be Wells Fargo Bank NA and other documents reveals GMAC.

A predatory consumer mortgage in 6/5/2006, 80/20, was fraudulent, and I have the 'Remitter' top half of the Cashier's Check. The buyer Deutsche Bank Securities paid Wells Fargo as seller and was not reflected by the MIN SERVICER ID info which relates to the loan buyback done once the consumer is forced to be late 90 days. Then additional fraudulent documents were created. Huge consequences. One case of fraud can only be represented by Attorney General for Wells Fargo & Co. which is responsible for fraud and is Financial Holding Co Domestic. And under FFIEC.GOV, you'll find RSSDiD 1120754 is a Financial Holding Co since 3/13/2000 under GLB Act. I can be listed as John Doe 1-9,999,999 by state, only if my authority allows the Attorney General to represent each citizen harmed.

I've been helping a friend trying to modify his loan on a commercial property. I just found out that this person from the loan company I was dealing with is a supervisor for a lot of states. The first time I spoke with her, I have sent an authorization letter from my friend to me, in order to call with regard his loan. She made me fax the letter to her because the person who was handling the file was on vacation. When I followed it up with her, she indicated that she wanted something notified so we sent her on 12/29/11. I asked if it was possible for my friend to modify his loan and if I can obtain a package but she was very rude. She said that I have to come up with something myself and then she will decide if she liked it. She didn't return my calls, I sent what she wanted and she never called us. Because of her attitude, my friend had to file bankruptcy in order not to lose his property.

Now he has a sale date on 2/4/11, and it's been 2 weeks trying to contact Carolyn ** and her assistant. When I want to complain, her staff hangs up on me and tells me that I can't talk to anybody above her as she is the boss of bosses and I am nobody to go above her. I left her numerous messages but she seems to be a very busy person. Her life is not better than ours so if there is nobody who is above her to tell her to stop treating people like wall or dirt, then who is? She's supposed to be in the business of providing services but her attitude stings. She is buying time for the property to sell, without giving the opportunity to modify. Please help me. She is not god.

It was 9:14 p.m. when there was a loud pounding on my front door. It was a man that claimed he needed to know if I was Susan ** and that he had a message for me. It was difficult to hear him until I had a guest hold my dog as he was barking & the man didn't seem to care how upset the dog was. After a while I found out that the man was from Wells Fargo. When I called the number on the message, I wound up getting transferred to a recording that stated, "This is an attempt to collect a debt..." There are more details and witnesses as to what occurred, the above is a summary. I documented all details.

I was paying a mortgage of $1599.00 a month, included was taxes and insurance. In August 2009, I received a notice that I was in the negative for my escrow account and that I would have to pay $1900.00 for 1 year. When I signed my contract to purchase my home, this was not what I agreed to I agreed to $1599.00 monthly. I am having hardship paying this mortgage and all the bank says either pay or loose my home.

I took out a builders loan from them. I was having a house built and one of the mortgage companies the builder recommended was Wells Fargo. They gave me a nine month lock with the option to float down once to their best rate. I paid a deposit of $3000 (1% of the loan). I was told it was fully refundable at closing as long as I closed the loan with Wells Fargo.

When I was less than 30 days from closing, I called to lock in my rate. The 15 year rate at the time was 3.75%. Wells Fargo offered me 4.25%. When I told them the rates were 3.75%, they said if I gave them the $3000 that I left as a deposit they could offer me 3.875%. I told them I could get 3.75% from other companies with no points. I was told that sometimes Wells doesn't have the best rates.

I feel I was lied to by Eric ***. When I complained to his branch manager, I got nowhere. I called the President's line at Wells Fargo and got nowhere with them. I did not use Wells Fargo for my loan and they kept the $3000 and refused to refund it to me. I had full intentions of closing with Wells Fargo until they were going to charge me a much higher rate then what was being offered by other banks. I closed with Bank Of America because Wells Fargo lied to me. I think they just wanted to keep my $3000.

I have a home mortgage with Wells Fargo, account number, in which I have been trying to have modified in order to afford to keep the house. I was told of many programs the mortgage companies could offer to keep me in my home. In September 2010, I contacted Wells Fargo to try and refinance my loan. Four weeks later and two different people, I was told they wouldn't do another 30-year because it would cost them too much to do paperwork, etc. I could do 15 years, but it would be over $100 more per month. October 4, 2010, I faxed request for modification and affidavit, 2009 tax return, and proof of income. I also requested Wells Fargo to contact me at ** or **.

On October 25, I received two letters from Wells Fargo. One dated Oct. 18, 2010 from Camille **. The letter stated she would be my primary contact and that they needed more info from me. The second letter, dated Oct. 20, 2010, stated my loan was past due which I didn't understand. At that time, my loan was current. I received a letter from Wells Fargo, dated Oct. 28, 2010, stating they couldn't help me and they could only process my request if they received additional info. October 29, 2010 (before actually receiving the letter stating help was denied), I spoke with someone who told me I needed to resend all info above along with an expense worksheet. The fax went through Oct. 29 at 16:55. I left messages on Camille's voicemail on Nov. 3, Nov. 11, Nov. 12 and Nov. 15. Camille returned my calls on the afternoon of Nov. 15. She informed me a woman named Jennifer now had my account.

I was transferred to her voicemail where I left a message. On November 16, I spoke to Robert who gave me Jennifer's number **. I left a message. Robert also said he would note on my account that I was trying to reach her. On November 19, I left another message then called customer service and spoke with Marisa. She said she would try to get Jennifer on the line for me. Instead, she just transferred me to voicemail again. On Nov. 26, 2010, I received a letter from Wells Fargo, dated Nov. 17 (also note: None of the letters had postmarks, I have no idea when they actually put it in the mail). It was the exact same letter as that dated Oct. 28. Looks like the form number is WFM300P.

I called again on Nov. 29, spoke to Jeremy **, supervisor in collections. He stated that I was denied due to "borrower is not in deficit". I explained I couldn't pay my bills on time. He transferred me to Christian ** to start this whole process over again. She said she would forward my info and someone would contact me with my options. Wells Fargo informed me on December 6, when I called to find out the status, that there was nothing they could do for me. This time, my deficit was too much! Carol said there was no way that any mortgage company would help anyone that had more expenses than income. I asked what should I do?

She said sell assets. I was emotional and asked to just transfer me to someone that I could turn my home over to. I was transferred to Sandy. Both women recommended I short sale my home. I asked what would happen to the unpaid portion of mortgage. Sandy said it would appear as paid in full. I asked why couldn't I have my mortgage adjusted to current market value? I have been told that mortgage companies can't do that. She rudely told me that would never happen.

I thanked her for her time and hung up. I then decided I didn't have to take that, I know there is help out there for me. December 7, I filed a complaint with the BBB. I then called Wells Fargo to tell them that and see if it changed their tune. The woman I spoke to gave me more info in ten minutes than all the other times I called together. She also told me that my case inquiring for help was closed on November 17. So that means that Carol and Sandy lied to me on Dec. 7's conversations. She assured me my case would be reopened. I then looked at my online statements. Wells Fargo has not produced a statement for me since Oct. 19. There should have been one for Nov. 1 and Dec. 1. Why isn't there? Do they want me to lose my home? It's almost as if they are hoping for that.

For 15 plus years, I have had a mortgage with Wells Fargo. I had always paid my bill on time and in full. However in Jan. 2010, while I was on an unpaid leave from work to fulfill my education requirement, my husband decides to walk out on me. He took my savings and any possessions of value. For the first few months, I sold what little furniture, goods, etc. that I could to make my payments. I called Wells Fargo for assistance. They asked for tons of information and I faxed countless documents that proved my situation. I was denied assistance.

I was able to borrow money until Oct. 2010 at which time, I tried to contact Wells Fargo again. They requested that all my information be updated once again. After explaining that I was a single mother, going to school and looking for a part-time job while going through a horrible unforeseen divorce, they continued to deny me any assistance whatsoever. I was very upset that after 15 years of being a stellar customer, I was treated with such rudeness and lack of helpfulness.

After reading what others have said about Wells Fargo, I can now see why so many people walk away from their home loans. I will be making every effort to take my business elsewhere. Thanks for nothing, Wells Fargo!

I am writing this letter because I have been trying to get a modification from Wells Fargo with the assistance of NACA since July 23, 2010. At present my mortgage is 2207.00 per month which I cannot afford. It is not at a fixed rate therefore it is scheduled to increase in February, 2010. This letter also serves as a complaint regarding the lack of service that I am receiving from Wells Fargo and to find out what is going to happen with my modification. For the past three months I have been repeatedly told my loan is in review call back next week!

My name is Kenya **. I am currently a teacher with the public school system. I have maintained and owned property at the above address since December 29, 2005. Up until July 2010, I have been paying my mortgage on time. However, as of September 2010, I received a 7% decrease in pay. I knew that my financial situation would change .Therefore, I tried to be proactive and take necessary steps to take action.

My financial situation has changed drastically. As September 30, 2010, school year I received a 7% pay reduction resulting in $500.00 less per in income. Please not I only get paid once a month which with itself is a challenge. My hardship continues to further manifest because, my interest rate on my loan is not a fixed rate. In February 2011, I am due to receive a rate change which could be of greater negative impact on my finances. In addition my Heat Pump System was broken, causing me to have to repair it. The cost to repair the system was $4000.00. This was just repaired on November 13, 2010.

The Steps below are what I did to prevent this from occurring.

Step 1: In March and April of 2010, I called my service provider Wells Fargo to inform them of the financial hardship and financial change that was about to occur. I asked them what assistant could be made available to me. They informed me that since I wasn't behind or late in my payment, there was nothing they could do to assist me.

Step 2: On July of 2010, I went to the Save the Dream Event in Washington, DC through the Neighborhood Assistance Cooperation of America (NACA). I stayed at the DC Convention for 12 hours. The outcome was NACA was in agreement that more could be done regarding assistance from Wells Fargo. NACA communicated that a Loan Modification is my best option, with a monthly mortgage amount of $1,900.00 with a fixed rate of approximately 3.5% for the life of the loan.

Step 3 This agreement between Wells Fargo, NACA and myself was to begin within the next 60-days. When I began to place follow-up calls to Wells Fargo in August, they claim that they were not aware of the said agreement. When I called NACA they claimed that my information was lost. I re-faxed my information several times. You will see the time below.

Step: 4 To date I have been calling Wells Fargo and NACA since August 2010 trying to get a Loan modification.

I am writing this letter because I have been trying to get a modification from Wells Fargo with the assistance of NACA since July 23, 2010. At present my mortgage is 2207.00 per month which I cannot afford. It is not at a fixed rate. Therefore, it is scheduled to increase in February, 2010. This letter also serves as a complaint regarding the lack of service that I am receiving from Wells Fargo and to find out what is going to happen with my modification. For the past three months I have been repeatedly told my loan is in review call back next week!

My name is Kenya **. I am currently a teacher with the public school system. I have maintained and owned property at the above address since December 29, 2005. Up until July 2010, I have been paying my mortgage on time. However, as of September 2010, I received a 7% decrease in pay. I knew that my financial situation would change, therefore, I tried to be proactive and take necessary steps to take action.

My financial situation has changed drastically. As September 30, 2010, school year I received a 7% pay reduction resulting in $500.00 less per in income. Please not I only get paid once a month which with itself is a challenge. My hardship continues to further manifest because, my interest rate on my loan is not a fixed rate. In February 2011, I am due to receive a rate change which could be of greater negative impact on my finances. In addition my Heat Pump System was broken, causing me to have to repair it. The cost to repair the system was $4000.00. This was just repaired on November 13, 2010. The Steps below are what I did to prevent this from occurring.

Step 1: In March and April of 2010, I called my service provider Wells Fargo to inform them of the financial hardship and financial change that was about to occur. I asked them what assistant could be made available to me. They informed me that since I wasn't behind or late in my payment, there was nothing they could do to assist me.

Step 2: On July of 2010, I went to the Save the Dream Event in Washington, DC through the Neighborhood Assistance Cooperation of America (NACA). I stayed at the DC Convention for 12 hours. The outcome was NACA was in agreement that more could be done regarding assistance from Wells Fargo. NACA communicated that a Loan Modification is my best option, with a monthly mortgage amount of $1,900.00 with a fixed rate of approximately 3.5% for the life of the loan.

Step 3 This agreement between Wells Fargo, NACA and myself was to begin within the next 60-days. When I began to place follow-up calls to Wells Fargo in August, they claim that they were not aware of the said agreement. When I called NACA they claimed that my information was lost. I re-faxed my information several times. You will see the time below.

Step: 4 To date, I have been calling Wells Fargo and NACA since August 2010 trying to get a Loan modification.

We were in short sale over the summer, and contacted by Wells Fargo last month to either go to court or do a deed in lieu. We said we would do the deed in lieu process. Over this last month, I have dealt with two different departments, multiple people daily and gathering information/paperwork and finding places to fax this all. Today, they said we never should have been approached to do the deed in lieu because they were missing a piece of paper from the short sale process called the approval to participate. But they said our realtor did send it twice; they just couldn't see our signature, then closed our file. We now have to do a foreclosure or go through the entire short sale process again. Of course, our realtor did a cost market analysis at $75K and our bank won't lower it past $109K so there are no calls, no offers. I have missed work and so much stress over the past month to get the deed in lieu information for them. We should never have been contacted if we weren't currently eligible. I've been hung up on, and treated with disrespect, and we cannot go through this again, so it will have to be foreclosed.

I was supposed to post my complaint here just like many others. I won't. Why? Because I won't get any results from it what so ever. Sure we have a consumers affair complaint site. Does it help or affect us, the people in any fashion? The answer is no. Why have it in the first place? Banks don't care about us. The president doesn't care about us. (I voted for him). I feel sorry for this country. It's a ** shame.

I started a loan modification 2 years ago with Wells Fargo. When I stated I owed $2,000.00, now 2 yrs later and 6 loan modifications, I owe $12,000.00.

On my first modification, I sent in 3 months and was told I didn't sent in all the paper work. So my modification was cancelled and had to have a new one. I sent in 2 payments and was told that the payment did not get in on time. It needed a new modification. New modification was only one month, they said the payment was not on time. I said I sent it in 10 days early. I was told I should send it in about 3 weeks before it was due. That way, it would get posted on time. Sometimes it lays in the mail and then it's not posted.

Next modification, I sent it. It was over night with signing. My payment was due the 24th of the month. They received it the 16th with some one signing it. I kept calling in, they said they never received anything. But I had proof that they did. I was told I would need to file for a loss money order. Anyway, they said it was never there. I talked with them on the 24th, but on the 25- or 27th, I received the money order back. They told me my modification was no good as I missed the due day for payment.

I have called so many people at so many of the offices that Wells Fargo has and can get nowhere. I called in one day to talk to someone asked for a manager and was told I couldn't talk to one. They would tell me the same thing the lady I was talking to. I demanded a manager but could not get one.

I called another time and asked what my payment would be. I was told the payment would be $845.00. I asked why and I had a bill from them that said it would be $695.00. I was told it was because of taxes and insurance. I was going to be switched to a different dept. but was cut off. So I called back in a 5 min. period. When I asked that person what my payment would be, I was told it was going to be $485.00. They hung up and I called back and was told by someone else I was going to pay $695.00. I was told I would also get a package telling what I was paying when and how much. That was in August. I can't count the times I have called in between then and now. I still have no idea what happen to the package or for sure what I am going to pay.

In one of the modifications I was given, after talking to several different people for more than a month, I told them it was they mistake. After two weeks, I had someone call me back and said they found it was their mistake and was going to take off one month that they said I was behind. As now I am 3 months behind with a loan modification, I am not sure how much I should pay. When trying to talk to managers, I did leave messages more than 10 times but never had anyone call back.

I have so many papers, names and facts that Wells Fargo was just keeping me from having my loan modification. As I said, my first modification I owed was $2,000.00. Thanks to Wells Fargo, I now owe $12,000.00 and have never received any package. Now, they say they will not give me the free months I was told I would get. I had to send payments and papers to MACX23002-045 1 home campus Des Moines, IA.50328-0001. I am sure there are more places I sent to but no wonder no one knows what is going on.

I need help. I can't even get Wells Fargo to tell me what is going on or why they won't take the two months off. That was their mistake. Thank you for any help you might have.

My name is Sue. I went to Wells Fargo Home Mortgage at the end of July, 2010 to get preapproved for a mortgage loan. I informed the loan officer of my situation. I explained that my mother had died and the house that I'm planning on purchasing was left to me, my brother and sister to share in 1/3 equal parts. She appeared a bit puzzled on how to handle the paperwork, not knowing if she should have it be a purchase agreement, or refinance. She then encouraged me to talk with a lawyer.

The lawyer suggested doing a purchase agreement. My loan officer reported to me that she checked with her supervisors and agreed to go with the purchase agreement. My lawyer completed the purchase agreement and I had my loan officer approve it. It was turned in and accepted by my loan officer by the middle of August 2010. My loan officer informed me at this time that I would have to have my mother's estate finalized and have the courts put my mother's home into equally 1/3 ownership before she could move forward with the loan process.

On August 18, 2010, I received my Good Faith Estimate paperwork in the mail. On August 27, 2010, I received a copy of my appraisal in the mail. On August 30, 2010, I received the Conventional Commitment letter in the mail. On September 20, 2010, the courts finalized ownership of the house into equal 1/3 parts. I turned in a copy of the court signed ownership to my loan officer of Sept. 21, 2010. On Oct. 4, 2010, my loan officer phoned to say that the paperwork was completed incorrectly and has to change everything from a purchase agreement to a refinance.

At this time, I realized that we wasted 1.5 months and approximately $400.00 on a purchase agreement that we didn't even need. On Oct. 18, 2010, my loan officer left a message stating that we will need to do a new appraisal as the old one was done under a purchase agreement and we need one under a refinance. She did state that Wells Fargo would pay for the new appraisal.

On Oct. 20, 2010, I phoned my loan officer back and expressed my frustrations with this whole situation from the start. I informed her that I want to drop everything and want my $450.00 back instead of having them pay for a new appraisal. She expressed that she is unable to do that. I then asked to speak to her supervisor. She gave me the phone number and name of her supervisor. I then phoned her, but had to leave a message asking her to phone me back. In the mean time, my loan officer phoned me back stating that she spoke with her supervisor and can give me my $450.00 back for the appraisal and that t it would take 2-3 weeks.

Later in the day, I received a phone call back from the supervisor. I expressed my frustrations with my situation and all of the time and money that I lost. She again stated that I was getting my $450.00 back, but would do nothing about the $400.00 for the purchase agreement that I paid, for that was totally unnecessary. I then asked her to give me a name and phone number of someone higher than her that I could speak to. She appeared hesitant and stated that she would have to look into that and get back to me. She stated that she would email me that information within a few days.

It has now been over a week from my final phone call from her without any contact at all. I still haven't received any emails with names or phone numbers. I just want my story heard. I want someone to take some responsibility. Although my original loan officer apologized for my frustrations, she and her supervisor both accused my lawyer of the mistake and blamed him for doing the purchase agreement when we should have refinanced. I then voiced my frustrations and stated that my loan officer was the one who accepted the purchase agreement and started the paperwork.

If it was a mistake on my lawyer's part, why didn't my loan officer see the mistake and correct it before going through with the paperwork and appraisal? I would also like to add that the customer service is very poor. I had to phone my loan officer on many more occasions to ask what is going on. She had poor communication with me throughout the process and only seemed to contact me after I left her a message.

I wasted 3 months with this process and didn't get anything accomplished. Also, I wasted $400.00 on a purchase agreement that we didn't need. Also, I am still waiting for the refund of $450.00 for the appraisal. They claim that they are refunding this money, but I still haven't seen it.

I have a fixed interest rate with my mortgage. My taxes and insurance went down for my property. For some reason, my mortgage payment went up nearly $100.00 a month. I spoke with several persons from the mortgage company and none of them could explain why the payment went up. It should have went down, not up. After this happened, I lost my job so I was unable to make my monthly payments. Before losing my job, I was injured at work. After losing my job, I tried to refinance my home with the programs that the mortgage company had although they told me that I did not qualify for any of the programs because I did not make enough money, no **. That's why I needed to refinance. Now, I am facing foreclosure. I have several medical bills because my work company will not pay for them and refused to do so, and the mortgage company refuses to help me with the refinancing of my home.

We applied for a mortgage modification and they granted it but then put us into foreclosure. But they used fraud in their contract. They told us if we made the payments, we would be taken out of foreclosure.

We applied for a mortgage modification and they granted it but then put us into foreclosure. But, they used fraud in their contract. They told us if we made the payments, we would be taken out of foreclosure.

I was looking to do a streamlined refinance for existing home mortgage customers. They offered no closing cost, no application fee, no appraisal fee. After three months or so, we finally hear from Wells Fargo. They cannot do the refinance without an appraisal, and the closing cost will all be on the new mortgage. Can they really do this?

I was applying for mortgage loan. She told me to fill out an application form on the internet. On 2009, my income tax return is $18,000, so i was pre-approved. Then she call me to ask me to fax the income tax return of 2008 and 2009. I did fax all the information to her, but the income tax return of 2008, I made only $8,000, so I ask her do I get approve for the loan. She said, "I don't know." She ask me for pay stub and I don't have it. I told her when I work, they pay me by 1099 form, so I don't have any pay stub, but meanwhile she send the pre-approve to my real estate agent and I was pre-aprove.

If she doesn't know, she should not send pre-approve to my real estate agent. So 3 days later, I call her and she never pick up the phone. Then another 4 days, I call her again and she never pick up the phone. I leave the message, she doesn't call me back at all. I was mad, because I don't know I have approved for loan or not, so I call my real estate agent, then he call her, then he call me back. He said, "she will call you." Then she called me then she said she don't know if I get approve or not because my income was low and I don't have pay stub. I am working on it.

Then 3 week later, she call me that I have approved for the loan for 4.8. I was so happy because I have low interest. So she told me I have to pay appraisal for $460. Then a couple of days later, she call me back, "I have bad news, you are not approved." Then I forgot to ask her about the appraisal money. Then I call her back everyday, she never answered my phone. Then she told my real estate agent my money was spent for application. She told me application is free.

I file a case to the court. The judge don't let me talk. But when I go to the court, she is not there. Her boss told the judge that I have to pay for application fee. He never say anything about I have to pay for appraisal. I try to talk but the judge just sit there and laugh. He said, "You lose."

You don't have to get my money back, but somebody stop her to steal people money. She doesn't have license to do loan, they have go to school and have license to do mortgage loan. Thank you.

For months now, we were trying to get approved for a home mortgage modification. After being congratulated numerous times and being told we were approved, we even have documents that were signed on August 17, 2010. Several weeks have gone by and we did not hear from Wells Fargo. I made a phone call to them and I was told that they have made a mistake with their calculations and that we were denied. Until I had initiated the phone call, we would never have known. I phoned Wells Fargo and they are now telling me we are delinquent over $14,000 and wer'e denied.

I have spoken to a number of reps (I have their names and ID#'s) and I was told I needed to talk to the processor. I then phoned the processor and when she picked up the phone, she stated she was not our processor and then disconnected me. I then began to call the number back and she does not pick up the phone. I have left numerous messages asking if she could please return my phone call within the hour and she still has not done so. We started this process almost a year ago and cannot seem to get any help or answers. The list of people I have spoken to goes on and on and we are never told the same thing. We would like some answers.

I'm writing this letter in hopes that someone can offer some form of help in my present situation. I am sure that you may hear various horror stories of honest word working individuals being taken advantage of by large companies and banks. Mine is no different, I work as a police officer with the responsibility to protect and serve my community but now I find myself in need of help from a different type of criminal. In the month of March 2010 I contacted my financial institution (Wells Fargo) and advised them that I was hoping to restructure my finances and needed to defer my monthly payment to the end of my loan.

Wells Fargo advised me to get on a Special Forbearance Agreement which would lower my payment and allow me to financially catch up. This agreement would defer one payment and reduce the others for a term of one year at which time it would bring me current on my loan. They then mailed me a contractual agreement showing me all specific on the plan and terms at which I must follow. I understood well that I could not deviate from the plan nor be late with my payments. I was given a case worker and advised to make all payments through her. This would seem to work fine if both parties stayed to the contractual agreement. Six months into the agreement my wife attempted to make our payment for the month of October 2010 she was informed by our case worker that the payment could no longer be accepted.

When she asked why, she was told that there had been an error made by someone at Wells Fargo and our type of loan should not have been approved for this type of agreement. I was advised of this information and immediately contacted the case worker to get some clarity on how this could have happened. I was informed by the case worker that she had received an e-mail from her supervisor to have account dropped from the program and have us contact loan modification to reapply.

I contacted Wells Fargo's loan modification and advised them of what had occurred, they then informed me that they could not approve me for a modification at this time and I would have to pay a $7000.00 past due balance. I advised them I was never behind in my mortgage, how would I have an incurred a past due balance. They then informed me that the balance had incurred while being in the Forbearance Agreement program and if I was unable to pay this amount I would have to liquidate the assets of my home or it would be sold under Foreclosure. I then contacted Wells Fargo and advised them that I could not understand how the Bank could make sure a gross mistake for five months, place me into a $7000.00 debt and attempt to force me into a foreclosure.

Wells Fargo advised me that they could see where the mistake was made but the matter was out of their hands and I would have to contact their attorneys for reinstatement before any payments to the loan could be made. Two days after receiving this appalling news I was contacted by Wells Fargo who wanted to know if I had intentions of paying the $7000.00 balance on the account. I informed them of why the loan was behind and how a mistake was made by the bank, they then stated that they were aware of why the mistake was made but they did not know why it was not caught sooner by the investor before such a large debut had incurred but unfortunately there was nothing they could do. I am appalled when think that a large entity like Wells Fargo could flagrantly breach a contractual agreement, see their mistake and hold me financially responsible. This is my situation and I am sure after reading this letter you can see why I am asking for any assistance in this matter.

In 2006, I purchased a 30-unit apartment building in Inkster, MI. The property taxes were estimated at $28,000 a year on a $1,050,000 sale price. The bank insisted on an escrow account that included the mortgage, insurance and taxes. The state of Michigan reassessed the property and increased the taxes to $52,000 a year.

I started a tax appeal and informed the bank of the problem. I hired an attorney to handle it. We went through the process. Meanwhile, Wells Fargo, who bought the loan from La Salle, decided to take my payment I was making every month and credit it to the taxes and put me in default. They foreclosed on the property and sold it for half of what I paid for it and now are coming after me for the difference. If they didn't insist on the escrow account, I would have continued to make my mortgage payment and insurance payment, and a partial tax payment until we got it resolved.

I entered into a stated income/verified asset construction loan to build a garage. I had to hire a licensed contractor, who let another person use his license to build a sub-standard building. Loan did not convert to permanent financing, as promised. Was forced to re-qualify (could not, as WF had inflated my income almost 4x), so tried to get a deed in lieu, as I then lost my job. DIL was denied six months later, four months after WF started foreclosure action. WF just got an fcl judgment against us and will take our home.

I've been working diligently refinancing my home in Cypress since July 2010. After not hearing anything for the last 3 weeks of August and first 2 weeks in September with a pending closing day of the 13th, I sent an email to the 2 people I've developed a rapport with, asked if we were still going to closing and if someone could at least email me with an update, since I'm all the way in Iraq and don't have the luxury of going into a local branch to ask. The processor tells me, "maybe not on the 13th, but definitely by the end of this month." She then informed me they were waiting on a document from my employer to verify I don't pay for housing and meals while I'm working in Iraq. I asked, why didn't anyone ask me long before now, especially since they were talking about putting my file in suspension.

I immediately got in touch with HR and furnished that document as well as the Employment Verification as requested. That was done on the 20th of September. So again, I'm waiting on a follow up. I told her it didn't make any sense to me to put things on hold instead of asking me for them and better than that, anything they were missing I could have given them directly when I was home in August. Heck, I was even able to go to KBR's home office in Houston had they told me what was needed.

On the 27th of September, again I've sent her emails and called leaving voice mails to ask where things are. It's common courtesy. As a consumer, I have honored every request that was asked of me immediately, even from Iraq; I still made good on all the requirements. In my voice mail, I asked if I should just consider shopping for another lender? I no longer feel like a valued customer throughout the process. I'm seriously feeling I've made an error in not allowing USAA to handle my refinance since I've been with them since 1993 and keep my banking and auto insurance with them.

My reason, I detest when I patronize a company with my business and in while we're still in the 'honeymoon' stage of our newly developed relationship, they soon forget it was the open lines of communication that attracted me to the products they were offering in the first place. I would never conduct business like this and expect to retain a consumers loyalty. It's easy for me to lose respect and confidence in their ability to be as informative as they should be when dealing with people's money and investments. I wish my representatives were as diligent as I've been in communicating with me instead of me having to find out last minute if there's an issue. When I purchased my home, I received updates from Taylor Morrison's Sales Rep and Real Estate Agents every week, sometimes twice a week from the ground breaking all the way through closing.

My husband and I decided to refinance our home of three years at 3.87 interest rate to pay off a 401K loan. We went through Abbey Mortgage of Ocala and provided all the required information. Wells Fargo sent an appraiser out to our home and at the end of the week the appraisal came back higher than we expected. We own a geodesic home (dome home) which was built in 1979. It went to the underwriters and they requested a second appraisal, comparing it to another dome. There is maybe one or two others but have been inhabited for a while so my house was compared to a log home (usual home too) with same size, etc. The second appraisal came in high. We were approved pending underwriting. Credit score 800 up,10, 20 years working, all good. I get the call today that they are rejecting us because of "no collateral". I feel we were rejected because of the 3.87 rate we were locked into and they could not make money.

I am being charged $450 for an appraisal that came back higher than the amount we want to finance. Our credit is excellent and because the appraiser could not compare it to another dome home they would not write us a mortgage. Our house is comparable to the area and the houses in our neighborhood for size, location and square footage. I feel they don't have proper cause to reject our loan; therefore, they should pay for the appraisal. If the appraisal came back low and that was the reason, but to reject two appraisals that they ordered and they both came back high and all other criteria were met, I feel it is because they do not want to loan money at such a low interest rate. I am out of pocket $450.00 for a bogus reason. The appraisal was to seal the deal and the "company" rejected their own appraiser twice.

I applied for a loan modification in 2009. I was granted a temporary loan modification and when it came time for the permanent, I was told I did not qualify and was denied the modification. I was never given a reason and I was told I had to reapply if I wanted a loan modification. I reapplied and was denied again this year as well. I would like information on how to sue Wells Fargo and what else I can do about this problem.

Initially I was referred to Keith ** for a home affordable refinance with wells Fargo. I am current on all payments and always have been. I was told by Keith I qualified for the HARP (home affordable refinance program). He requested $400.00 for an appraisal and if it was within the LTV (loan to value) program limits, we could refinance. I sent him the money and the appraisal on our home came out well within the limits to qualify for the program. I was excited that I would be saving several hundred dollars per month that I really needed to make ends meet.

Next, I got a letter in the mail saying my refinance was denied because my credit report showed too much debt. As I said, we have never been late on our mortgage or any other payments and I would not have sent the $400.00 for an appraisal if I had been told we weren't already approved. I asked for a refund since I did not feel I was dealt with honestly. I was refused and Keith gave poor customer service all around. He never disclosed information, kept me informed or answered my phone calls or emails.

I requested my file be transferred to someone local who knew what they were doing (Keith was in Fl). I now was assigned to Carol **. She answered calls and was apologetic about my $400.00 but did nothing to help me get it back. She told me to work on reducing my debts and call her back if I could do that. Months went by and I heard of new guidelines on the HARP program to help more people in good standing refinance at lower rates. I called Carol ** back and she said she looked at my file again and had good news with the new guidelines; we would now qualify and wouldn't have to doc income and assets under the HARP program.

She said she needed another $350.00 or underwriting wouldn't even look at our loan. I told her of my reservations but she assured me she would get me a refund if for any reason my loan did not fund. She said it would this time and I reluctantly told her to proceed. Next, the file went to underwriting, I got a commitment letter and sent the requested items to the lawyer for closing. We were set to close and then I got an email saying my loan wasn't going through after all because somebody screwed up in underwriting and now they wanted income and asset documentation.

Again, I was denied based on my credit report which still had all my accounts in good standing. Now I am out a total of $750.00 which I really couldn't spare in the first place all because of bad advice and incompetence of the wells Fargo employees. I have contacted carol green and her boss Marty ** requesting my promised refund of $350.00 never mind the $400 I'd already lost. They told me they couldn't refund it. I have sent many emails to them to plead my case and have gotten nowhere. I feel they are thieves and need to be dealt with. I don't what else to do but I really need that money. The whole idea of the HARP program is to help struggling homeowners and all they did was rip me off.

I have had my vehicle now for over 2 years. Up until March 2010, my payments have been on time and always up to date. Since I have been self-employed and things seem to get worse for everyone else, my bills suffer. When my clients want to pay me late, then my bills get paid late. My vehicle has needed maintenance and tires (very costly) and I have paid twice to catch it up. I didn't even fall behind and the customer service people began their ritual callings and harassing. Why can't we get these people in trouble for harassing phone calls? Like I said my payment wasn't even due and they call regardless (supposed recorded line); it should record them asking you and bugging you for an exact date and your bank account info. If you don't satisfy what they ask of you, then they threaten you.

I'm tired of these people calling. They force you to set an unrealistic date; then they call you and ask, "If you couldn't make the deadline, why set it?" If the line is recorded, MR or MS Wells Fargo CEO, check it out for yourself! Your people are unprofessional and uneducated. Your business sucks and as soon as I can, I will be writing Wells Fargo off! Refinance once these ** bankers and start lending some of our tax dollars that bailed them out, what we all should have got?!

After serving several years in the United States Air Force, I was finally able to afford the house of my dreams. My then wife and I purchased a home with the help of Wells Fargo Veterans Home Loan. All was good. Three deployments later, my wife and I divorced. I refinanced the home again with Wells Fargo into my name solely. After 7 years of serving my country, I was medically and honorably discharged from the United States Air Force.

My income went from about $3,000 a month to roughly $900 a month when I am able to find work due to my medical state. I was diagnosed with Seizure Disorder and have had difficulty finding steady, reliable work once I was moved back home to be taken care of. I was responsible enough to enlist in the help of a rental agency to find a tenant to cover my mortgage while I lived with family in my hometown. The renters recently decided to vacate the premise leaving me unable to cover the mortgage payment.

After being only 3 months behind, I receive foreclosure letters from Wells Fargo. I am now two days away from that date and despite my numerous efforts, I have found help with no one at any of the agencies I have requested with. Same story with Wells Fargo. In hopes of getting some sort of assistance or understanding of my options, I have been given the run-around. I call daily and get a different answer each time.

I was told I would be able to apply for a "short-sale" status, so I gathered all my paperwork (letter of hardship, past bank statements, last two years tax returns, letters of documentation from employers) only to have another Well Fargo rep inform me I do not qualify. I currently have a real estate agent working hard to find someone interested enough in the property to relieve me of this nightmare, but it seems to no avail

My only hope is that at some point the powers in charge at Wells Fargo will understand what disgrace their company has shed on the veterans of this great country. I work hard every day to get enough money together to support myself and I'm not asking for a hand-out by any means. I'm asking for information, help, a kind hand in the Well Fargo organization to settle this unfortunate set of events. They pride themselves on 'helping veterans' but as this and many other posts show, more times than not they are turning their backs on veterans. And they are doing it legally and with the help of the government in the way of 'bail-outs' and other numerous names most of the general public will never know about. My house will be foreclosed on. I will forever work to get that tarnish off my name and credit score.

I was having difficulty making my mortgage payment and Home Equity mortgages due to medical issues. I contacted WFHM to apply for a loan modification. After applying over the phone and submitting all the needed paperwork, WFHM offered me a Temporary Forbearance agreement on Jan. 25, 2010.

I started making payments as outlined before the due dates as described in the forbearance agreement. With a payment of $663.19 per month starting on March 01, 2010 up to June 01,2010. Along the way, I submitted additional paperwork of my budget and income. On July 12, I received a voice message from WFHM to return a call to a Micheal ******** @ 1 877-***-**** ext. ****. That is the number to a certain company named Freedom @ 1800-***-**** it sounds like a loan company with no chance of reaching anyone. The phone plays the message and disconnects.

Out of desperation, I called the caller ID number back and left 3 messages to have the underwriter call me as the phone number left on my voice mail was not a valid number. However, there was no return call. At the end of July, I called them as I had not heard anything yet to make my Aug. 1 payment per the forbearance loan. I was told that I had been approved for a refinance and that my new payment was $668.77 and I was asked if I did want to pay that amount. I said, "Yes, but I had not received any paperwork about this approval."

She stated that she would send a message to that department and have them resend it. The month of August goes by and no paperwork was sent. On Aug. 26, I called again to make my next payment and I am told the loan offer has been declined because I never returned the paperwork. I was $3,600 plus dollars behind and my house payment and was headed to foreclosure. I was upset, and I told them I never received the paperwork and was told that was the end and there was nothing I could do.

I asked to talk to someone else and was transferred to a Gilbert in Loss Mitigation. He said there was nothing he could do since I did not return the paperwork. It was over and I owed that much or they would foreclose. I was beside myself and finally asked for the tracking number for the package since it would have to come registered via UPS or FedEx. Gilbert had me wait to over 15 minutes while he looked up the tracking number **. After giving me the number, he asked if there was anything else. I said there is none.

I immediately went to the UPS site but I could not get very detailed info. I called my sister who works at UPS and she checked and said the label was printed but it was never picked up and entered into the UPS system for delivery. They never sent the paperwork that I was rejected for not returning. I immediately called back and appealed this and another lady took my information and was told to call back in 3 days. When I called back again, I was told it was denied.

WFHM has offered to put the house up for a short sale, which does no good as I have 2 other home equity loans I would still have to pay on a house I sold. I truly believe that WFHM did this as my mortgage is a FHA Fannie Mae loan guaranteed by the government. I am upside on the loan vs home value and this way WFHM reduced the payments for 6 months until I was hugely in debt and then denied the modification in an attempt to drive me into foreclosure and then dump this foreclosure mortgage back to the government.

This is wrong. I have irrefutable proof that the tracking number was never picked up by UPS, yet, WFHM denies me the loan modification. This has to be how WFHM rids their selves of high risk loans and dumps them back onto the federal government with guaranteed FHA loan. WFHM is defrauding the govt with this practice. I have read many articles of the same thing happening to people being promised help then denied because they did not submit all the paperwork. Well this is how the banks are making it look on the up and up. By creating a tracking number but never sending the docs. This is not right. WFHM is defrauding the government with these practices and destroying people's lives. I have sent a final appeal to WFHM with the tracking number documentation showing it was never delivered. I am awaiting this last appeal.

I have a property in Florida that is mortgaged through Wells Fargo. I have moved to California for education and job purpose. I have always paid on time and have paid in excess of monthly installments and paid more than half of the principal already. I went to Wells Fargo agent many times so as to modify my loan so that in difficult times I get better rate and lower my monthly payment rather than going bankrupt and stop mortgage payment.

We have been attempting to remortgage our home with Wells Fargo to take advantage of the lower interest rates and save ourselves a little money. We remortgaged just about two years ago with Wachovia Bank which was bought by Wells Fargo. We currently have an interest rate of 5.87 and were first quoted a rate of 3.47 on a new remortgage. We were told about a week later that my husband's credit score, which is in the 700 range, was not high enough for that loan rate, so we worked out a different loan rate of 4.37 and that rate was "conditionally approved", if after a list of items were met.

I was beginning to get the feeling that they had no intention of giving us a loan because there was no profit in it for them to do so. But, we agreed to go ahead with the appraisal, which was done on a Tuesday and by Thursday the bank was calling us with the results. It is important now to fill you in on what I consider important information regarding our mortgage appraisal done less than two years ago. At that time, our home was appraised by an appraiser picked by Wachovia at a value of $275,000, this was with the original 14-year-old kitchen.

We remortgaged at that time to pay for a new kitchen which cost us $30,000. I am aware of the state of the housing market right now and from some research I did, the depreciation of the homes in our area averaged out at 1.4% for the past year. So, I estimated that we should have been appraised around the same value because we had the 1-year-old kitchen this time around. Well, I almost fell over when the bank representative told me the appraisal had come in at $230,000. That is nearing a $45,000 drop in value in less than two years and well over the average depreciation rate for the area.

At this point, I feel they purposely mislead us, never had any intention of giving us a new mortgage even though there was no question that we could manage the payment since we have been paying more now and we were never late. I have never encountered such a hard time acquiring a remortgage in the thirty three years my husband and I have owned homes. And, I think we were taken advantage of by Wells Fargo and the appraiser, and I would like to get back the $385.00 I paid for this appraisal and just move on.

At this point, I was told Wells Fargo is allowing people to appeal the appraisal results, but I doubt this will result in a loan and I would just like my money refunded. We were hoping to remortgage and save some money monthly to pay off some bills. I lost the position and have been working temporary positions while I was going back to school to earn a degree. I am now looking for full time work and this $385.00 which we had to pay out is a real hardship right now, and we do not have the money to counter Wells Fargo's appraiser with one of our own. Frankly, it is devastating to think that a home you have owned for 16 years could have possibly depreciated in value by $45,000 in two years even with a brand new kitchen.

I went through Home Affordable Modification to save my home which started around March. I followed the guidelines and made all the trial payments, gave all documentations, and I was told I submitted everything correctly. I was turned down after waiting for 6 months. They want to take my home away from me. I found out that around 7 to 10 good people have been denied. I am livid and do not know what my next step could be. Can you help? Maybe a class action suit would be in order.

I applied for HARP refinance on my mortgage. The outstanding principal on my mortgage is $87,927. I needed an appraisal of $70,339 to meet the federal HARP 125% LTV requirements. My home is valued at $72,314 by epraisal.com and valued at $129,500 by zillow.com. Also, the comparables market value homes on the appraisal itself are in alignment with these websites. The house is in near new condition and free and clears of liens or second mortgages. The appraisal ordered by Wells Fargo accessed the home's value at $58,000 and denied the load for reason of "insufficient collateral.

I am confident the appraisal low by greater than 25% of the actual value. Wells Fargo clearly does not want to process my refinance. Their motivations are not clear. Maybe they do not gain from federal HARP program. Maybe they don't want to restructure the mortgage, because my current mortgage is already with them and a refinance will lower the amount of interest they collect on the loan.

My husband and I applied for the Wells Fargo Home Affordable Modification program during the first week of June 2010. In with the 6 page application, I included 240 pages of required documentation to support my husband and I needing this modification. Within a week's time, I was receiving repetitive phone calls requesting documentation I had already sent in. Then we were assigned a person to review our case for which he, too, asked us to send in the very same documents and because it took so long for him to review our application that now he wanted the information updated. This repetitive process went on and on and I was faxing to him (Wells Fargo) the same documents over and over and over again.

The Wells Fargo representative even made a point of telling me that my husband and I were paying over 32% of our income towards the home mortgage and that was a criterion to qualify. Today, I received a letter in the mail stating we were declined due to lack of documentation provided. This is Wells Fargo's way of misleading the consumer again. The worst part to this is I have been trying desperately to modify our home mortgage while helping my husband go through his radiation and chemotherapy treatments as well as enduring my own illness of severe Crohn's disease.

In November of 2009, I called Wells Fargo and ask if there was any way for us to refinance our home. We were struggling to make the payments because both of our jobs had been affected by the economy. The representative for Wells Fargo suggested that we apply for a Loan Modification Program that would lower our payments for a couple of months and give us some relief. She told us not to make a payment and we would begin the process in January, but that every payment had to be there by the first of the month.

They lower our note from 2,400 a month to 2,100. I made every payment on time sent in all my documents that were needed and we were accepted for a trial period. Every month, when I called in our payment I would ask is there any thing you need is everything okay? I was always told everything looked great. In April, I was contacted that we had made it through the trial period and the second phase had begun for the modification. I again ask is there anything that you needed. Once again, I was told that everything was in order and look good.

I continued to make my payments on time and thought everything was fine but I also noticed that nothing was being applied to our principle and interest. When I ask I was told that when everything was done it would be applied. Now I know that I have paid for 7 months and none of it will be applied. Then in June, I was told that we had not qualified for the second phase when I called in my payment and that I would have to start paying my regular payment again but that they would take new information and try to qualify us for another modification, but everything was okay. We never got anything in writing or a letter stating anything until weeks after the notice. No one ever called. So, I made my payments again as asked.

Then in August, I called to make my payment and was told that because I did not send in my paper work in time that we had been kick out of the loan modification program again and we owed 12,000 plus in rears money, but we could re apply again. At this point fear, angry and tears had begun. I have been on the phone with Wells Fargo for 2 weeks trying to work this out.

On August 26, I talked to a representative that talked to me for an hour and reassured me that we would not be foreclosed on. Took my info again, told me to send in all the documentation and a check for $3,111.15 for a good faith jester by September 10th and to check back in 24 hours to make sure everything was there. I faxed the information the next day and on Monday I called to check the status. I was informed by yet another WF representative that told me that they needed more information. I told them that I needed a couple of days to get.

I called everyday and spoke to someone different every day. Each day told something different. On Thursday of that same week, I had all my information ready to fax and was told that we were in foreclosure. And that we would be getting a letter from the attorney and that we could stop the process if we would just pay the rears money, which has not escalated to 14,000 plus, and we could re-apply for yet another loan modification. I then contacted a lawyer that suggested bankruptcy, chapter 13 to stop the process. We do not have enough debt to file bankruptcy.

Today is September 6, Labor Day. We have done everything we know to do. We are probably going to lose the home that we built for our family and financed for 20 years with only 12 left. We were just asking for help from Wells Fargo and in return they have destroyed our lives. Our family will now probably have to rent a home and walk away knowing that Wells Fargo did not care enough to help us save it. They, Wells Fargo, need to experience the devastation that each one of us have felt. I will never recommend that anyone uses WFHM for anything. If you have a mortgage with them try to refinance with someone else and don't do a Loan Modification with them. I may lose my home but you can't take my family. I look forward to seeing what your punishment will be when someone finally has time to stop and take notice of your unfair treatment of others. Shame on you Wells Fargo Home Mortgage!

In an effort to secure a mortgage loan and entice me to sell my home and move from NJ to CA, my employer made a special arrangement for purchase a home with an interest subsidy attached to the mortgage. This would make the mortgage more affordable. Wells Fargo knew what my salary would be had detailed financial information on me. At the time I spoke to Wells, my salary was significantly lower but they agreed to provide me with a loan with the understanding that I would receive a raise.

When I spoke to the Wells Fargo rep, I told her that I needed to know if I could afford to move. I told her that I was already a homeowner, and needed to be made "whole". It was clear to the Wells Fargo rep that I needed to understand clearly what I could afford. I agreed to move based on being convinced that if Wells Fargo approved the loan and reviewing their spreadsheets, I would be able to afford the mortgage.

Unfortunately, the mortgage payment plus property taxes turned out to be an amount that I clearly could not have been successful at paying. My house foreclosed on March 2010. I made several attempts to negotiate a loan modification. They kept asking me to resend the same information to them over and over again and finally sold my property to HSBC, which through my research, there is possible evidence of fraudulent partnership between Wells and HSBC with FBI investigation. I put about $200K down. Wells sold my property at about $699K but I believe the mortgage was about $645K. Wells made about $250K.

My mortgage payment was $4,875 per month and my take home after taxes was $5,100. Clearly, this could not work. In my letter to Wells, and in speaking to their reps, I had informed them that I had savings I could put down and wanted to continue to make payments. They simply refused the loan modification. I had a hardship and requested more time as well. I admit I was naive but I had trusted that Wells would act appropriately and not take advantage of me, particularly with the unique arrangement I had with the bank and between my employer. Please help. This is not right and I would not have put myself into this situation. I had owned a home for 7 years prior but never missed a mortgage payment.

I will be evicted Sept 20th and the realtor for HSBC, who now owns my house, will not speak to me or my realtor to negotiate the repurchase of the home. I need immediate help in this matter and have filed a civil case. Lost $200k, have poor credit score and will be evicted September 20th. Please help or send help soon!

I purchased a home in 2005 and Wells Fargo Home Mortgage is the company the home is through. About a year ago, I came into economic and difficult times. My wife lost her job and we could not afford to make the house payments anymore. Also, I filed for chapter 13 bankruptcy back in 2008. I rented the house for about 7 months to a tenant but had to evict her because of non-payment of rent. I explained the situation to Wells Fargo and they suggested a short sale. I hired an agent to start the short sale process back in December of 2009. I have not made any payments on the house since January of 2010 because of my financial situation. The house has been under contract twice. I have sent all paperwork to Wells Fargo in a timely manner and short sale is still under review. I don't want the house to go into foreclosure because Wells Fargo is taking so long to decide whether to accept the short sale or not. The buyer is getting impatient and might look elsewhere.

Wells Fargo offers a program of suspending up to 3 payments to help offset the cost of repairs, and then there was a 3 month period where all payments were to be caught up. We discussed this would raise our payments to $1400 or $1600 per month thru catch up. Wells Fargo was unable to stop June's payment due to the date we knew that was the case but we told them that the payments would be hard for us to catch up as high as they were going, and we were told there were programs to help us catch back up. We only used one payment to help put the house together which was the July payment, the August payment was kept in the bank.

On August 28th we contacted the bank to get the ball rolling on the payments because we could catch up the July Payment as outlined by Wells Fargo. With speaking with Mary, I explained the whole situation to her and there were no issues she took the payment (July payment made on the 28th). On August 31st I received a call from Wells Fargo in regards to our "late payments" I spoke with Shikera who first asked me if we had intentions of keeping our home and if we were living there I tried to explain to this situation to Shikera who admitted she was reading the notes in my file backing up what I was telling her but I had to make the payments now or she would take our home, I said if you want to take my home tell me now! And she stated she would just take my payment now the second payment was made (August).

I asked to speak to her supervisor and she refused She told me I had until the next day to make my next payment that the first damage was May 10th and I had to have my payments made in 3 months which would be August 10th I pointed out to her I made May and June Payments 3 months would have been July, August and September she again informed me that 3 months was August 10th.

I know the payments would have to be made but this makes no sense on how you can take 3 months to fix property which is declared a disaster by FEMA but the bank wanted all 3 payments I was defiantly mislead by Wells Fargo about this program, even when I repeated the program back to the rep in June she told me 3 Months suspended then 3 months to catch up. That does not mean to me the same 3 months!

I called on September 1st and spoke with Anita who is a Supervisor and was informed at that time my automatic withdraw was reinstated and would take a payment on the 10th of September she stated she suspended it until October. And actually my payments were caught up until the 16th of September which we will make the payment by then but their disaster program is a disaster for the homeowner and we have more stress than we did going thru 3 damaging storms in a 10 day period. Since I made the payment just a week ago Wells Fargo has threatened to take my home 4 times including the letter we received today telling us we had to make our payment or they would proceed with repossession on the property.

Again our payments are made not according to the agreement sent to me by Wells Fargo in June, not according to what I was told by Mary August 28th and today we received a letter in the mail from Wells Fargo and a certified letter threatening to take our home if we did not make the 3 payments. I have the original letter, and conformation of the 2 payments made with the last payment not being due until the 16th. And this is how Wells Fargo treats their home owners and their property in FEMA declared disaster areas based on their own Disaster program and the consumer is at their mercy by threats. And I guess it does not matter that in 5 years we have never missed or made a payment late, we took advantage of their program and we now have stress and 2 marks on our credit report too for late payments on suspended payments. This is the worst experience I can remember in my life!

Sine January 2010, I have been working with WF on a Loan Modification. 3 times, I have been told that there was a "repayment" plan written for me, but I have never heard from anyone at WF to move forward. When I reached out to them, I got nowhere, and now I am told that I am in "review". An agent told me that someone at WF dropped the ball, and because of that, it set me back.

I am trying not to lose my home and it seems like WF has a weak infrastructure, and it seems like they keep bouncing me around, and I am back to square 1. They don't have it together with these loan modification processes, and who are these programs supposed to be helping? They dropped the ball, and now I pay the consequences. I am now about to lose my home.

I feel like I am at the start of something that is going to turn out very bad for me. I already foresee damage to my credit report and hours of frustration and needless worry. I did absolutely nothing wrong and am at the mercy of Wells Fargo. I feel powerless.

I have a mortgage on my primary residence that is serviced by Wells Fargo (I believe Freddie Mac actually owns the loan). I have never missed a payment since the loan originated in 2006 and have never been late. I usually make payments online through my Bank of America account, but last month time crept up on me and I failed to initiate the payment in time for it to post by the due date. So I opted to make a payment at the nearest Wells Fargo branch on Monday the 16th (since the 15th fell on a Sunday, there was one additional grace day that month).

Since I normally make my payments online, I throw away the payment coupon and only had my mortgage account number with me. I wrote the account number on the checks memo line. The check was made out to "Wells Fargo Mortgage". Around two in the afternoon, I entered the drive-thru of the WF branch located at 2289 Howard St, Evanston, IL. A youngish black male teller greeted me and I explained that I needed to make a mortgage payment but did not have a coupon but wrote my account number on the memo line. "No problem," he said and he left the window with my check.

About 5 minutes later, a black woman came to the window and began to solicit me for a checking account. Apparently, they took the time to look up my information to see I did not have an bank account with them. I was annoyed by the solicitation, but also felt relieved that they apparently found my information and the payment was going to be posted okay. I declined the offer to open an account, received my receipt and went on my way. However, I misplaced the receipt and cannot locate it now. If anything, I will accept that this was a mistake on my part.

The following Monday the 23rd, I received a phone call from Wells Fargo Mortgage informing me that they did not get my August payment. I said that was not true and I told the representative, Christy, the story outlined above. As I was speaking with her, I logged onto my Bank of America account and saw that the check cleared on 8/17/2010. I could also see a front and back image of the check. I offered to immediately email her a pdf version of the documents as proof. Strangely, she could not accept them (weird that Wells Fargo people apparently do not have corporate email accounts!). Instead she gave me a mailing address to send them to. I immediately was concerned that this tactic would inevitably place them into a black-hole instead of delivering them to someone who could do something. Nevertheless, I mailed the evidence of my payment to them the next day. Christy promised she would flag my account and follow up with me in a few days. Guess what, I never heard from her.

On Saturday May 28th, I called Wells Fargo Mortgage and asked if the payment had been posted. No was the reply. Again I had to go through the same spiel of how I delivered the payment to the branch, did not have a receipt but had my canceled check as proof. She explained that Wells Fargo "Mortgage" is a separate entity from Wells Fargo "Bank" and most likely the Bank either failed to "send over" the payment or did so with the wrong information (my guess is that the payment posted to someone else's mortgage or is sitting in limbo somewhere).

That is not my concern, I told her. From my perspective, I do not care how your company is structured or your internal problems you have with your systems talking to each other. I handed my payment over to a Wells Fargo employee who assured me that the payment would be posted. I received a receipt and have proof in the form of a canceled check made out to Wells Fargo Mortgage for the exact amount of my payment that cleared a day after I made it. She understood my point, and took information from them to initiate an internal record search. I gave them the BOA routing info, my checking account number and check number.

I also inquired about credit reporting. I am not happy, as it appears they will report this as a late come September 1, 2010. In the event, they locate the payment, they will reverse the information. Considering the horrible job the credit reporting bureaus do, I am already certain my FICO is going to take a big hit.

I am currently underemployed and looking for full-time work that may involve banking. I am sure that having this information on my credit report will be enough for a prospective employer to dismiss me as a candidate. I am also very concerned that Wells Fargo is going to come back with the results of their payment research that they cannot locate the payment. What do I do then?

We respectfully requested the opportunity to do a deed in lieu of foreclosure on our property due to hardship. In October 2009, we placed the residence located at ** up for sale, hoping to accomplish a short sale in order to salvage whatever we can of this situation, our credit and a 10-year relationship with Wells Fargo. However, given recent market and economic conditions, the house has received no offers.

My wife, Danielle **, was notified on March 27, 2009 that her job was being eliminated effective April 10, 2009. We called Wells Fargo immediately to see about the Making Home Affordable remodification/refinance as our loan is Fanny Mae backed and we were losing one full income of $36,000. They told us we qualified for remodification, that we would go right to the top of the list since we were current and had a 10-year relationship with Wells Fargo. I explained that I could definitely make our monthly mortgages for 3 months but after that I did not know. Our paperwork was due by 08/10/09.

However, when I called in to get clarification on a few things to complete the paperwork on time, we were told that Wells Fargo recalculated some numbers and we no longer qualified for remodification anymore but could attempt refinancing. That blew 5 months for nothing and it was getting harder to make the payments. We felt Wells Fargo was not taking our problem seriously and cost us several months in which we were able to make payments while getting to a place where we could keep the house and continue to make the mortgage payments.

So in mid-end of August, we began the refinancing process, only to hit several bumps. The first was that our debt to income ratio was 6% higher, so we had to crunch some numbers, figure in any extraneous funds to get it into underwriting. This was a given since we are now down one income. Underwriting passed it on to a second underwriter because it was tricky. Finally, we moved on in the process until the FEMA map showed us in a flood zone.

We debated it because we bought the house in March 2006. At that time, we were not in a flood zone and have not carried flood insurance for the 3 years we have owned this property. However, the maps were rezoned in June 2006. We were never notified by the county or by our homeowner's insurance company. We could not afford an elevation survey to determine where in the premium spectrum we would fall. Allstate told us that our monthly insurance premiums would be anywhere from $133.25 to $333.33.

Then, Wells Fargo came back saying to continue the process of refinancing, we had to purchase flood insurance for 1 year in advance and show proof. The insurance will be $1599-$4000 annually. Which means instead of now saving $160.00 a month on our mortgage payments by refinancing, our payment will now increase anywhere from $100 - $400 monthly. How can we pay that much when we can't make our current payments now? Now that Wells Fargo has been notified of the map changes regarding flood zones, we received a letter saying Wells Fargo wants flood insurance on our current mortgage giving 45 days to obtain it.

So we are realized we were done. We have tried in very good faith to make this work. We called our lender as soon as we the suffered a job loss. We maintained weekly contact with them for 5 months only to learn that remodification was no longer on the table but refinance was an option. We made a healthy attempt at refinancing until our payments were going up, not down. We struggled to make our payments on time and remain current from the date of job loss until the due date of the second mortgage payment on September, 15, 2009, for six months. In October, we moved out renting a property we can now afford. We placed the property on the market (it is still for sale).

It saddens and devastates us to have lost our home but being the responsible homeowners we have been for more than 8 years with Wells Fargo both here and in Dallas, TX we did everything we could to salvage whatever we can and get as much money to pay off as much of our debts with Wells Fargo as possible. These two mortgages do not have PPI. However, the short sale did not come to fruition.

It only seemed to be that by November, Wells Fargo then seemed to care but we were beyond being able financially to do anything about it. Shortly after President Obama blasted the mortgage industry for not moving quickly enough or taking the economic atmosphere and job loss seriously enough, it was all too little and too late to help us.

We maintained the premises throughout the duration of it being listed for short sale. The house is currently listed with a realtor, has a lockbox and has an MLS number of **.

We have lost our credit which in March 2009 was in the high 700s to almost 800 for both my wife and me. Here it is March 2010 and my wife is still unemployed, collecting unemployment compensation. Please just accept the property in exchange for any debts owed. There is nothing more we can do short of filing bankruptcy. If we have to, we will fill bankruptcy but there is enough damage to our credit histories as it stands right now. All this because of a job loss and a mortgage company who did not act fast enough, seriously enough or care enough about us. We did the right thing from the moment of job loss and while in the end, Wells Fargo feels let down, so do we. Our lengthy relationship, excellent payment history and reliability meant nothing when we needed help the most in order to maintain our monthly payments and continue to be reliable customers.

In April, there will cease to be any home owners insurance covering the premises through Allstate. We are no longer responsible for property taxes. If you decide to pursue foreclosure, please furnish us with a paper copy of the deed held by Wells Fargo.

We respectfully request the opportunity to do a deed in lieu of foreclosure on our property due to hardship. In October 2009, we placed the residence located at Gainesville, FL 32607 up for sale, hoping to accomplish a short sale in order to salvage whatever we can of this situation, our credit and a 10-year relationship with Wells Fargo. However, given recent market and economic conditions, the house has received no offers. My wife was notified on March 27, 2009 that her job was being eliminated effective April 10, 2009.

We called Wells Fargo immediately to see about the Making Home Affordable remodification/ refinance as our loan is Fannie Mae backed and we were losing one full income of $36,000. They told us we qualified for remodification, that we would go right to the top of the list since we were current and had a 10-year relationship with Wells Fargo. I explained that I could definitely make our monthly mortgages for 3 months, but after that I did not know. Our paperwork was due by 08/10/09.

However, when I called in to get clarification on a few things to complete the paperwork on time, we were told that Wells Fargo recalculated some numbers and we no longer qualified for remodification anymore but could attempt refinancing. That blew 5 months for nothing and it was getting harder to make the payments. We felt Wells Fargo was not taking our problem seriously and cost us several months. At that time, we were able to make payments while getting to a place where we could keep the house and continue to make the mortgage payments. So in mid-end of August, we began the refinancing process only to hit several bumps. The first was that our debt to income ratio was 6% higher, so we had to crunch some numbers, figure in any extraneous funds to get it into underwriting. This was a given since we are now down one income. Underwriting passed it on to a second underwriter because it was tricky. Finally, we moved on in the process until the FEMA map showed us in a flood zone.

We debated it because we bought the house in March of 2006. At that time, we were not in a flood zone and have not carried flood insurance for the 3 years we have owned this property. However, the maps were rezoned in June 2006. We were never notified by the county or by our homeowner's insurance company. We could not afford an elevation survey to determine where in the premium spectrum we would fall. Allstate told us that our monthly insurance premiums would be anywhere from $133.25 to $333.33.

Then, Wells Fargo came back and told us to continue the process of refinancing. We had to purchase flood insurance for 1 year in advance and show proof. The insurance will be $1599-$4000 annually. That means instead of now saving $160.00 a month on our mortgage payments, by refinancing that, our payment will now increase anywhere from $100 - $400 monthly. How can we pay that much when we can't make our current payments now? Now that Wells Fargo has been notified of the map changes regarding flood zones, we received a letter saying Wells Fargo wants flood insurance on our current mortgage, giving 45 days to obtain it.

So, we realized we were done. We have tried in very good faith to make this work. We called our lender as soon as we suffered a job loss. We maintained weekly contact with them for 5 months only to learn that remodification was no longer on the table but refinance was an option. We made a healthy attempt at refinancing until our payments were going up, not down. We struggled to make our payments on time and remain current from the date of job loss until the due date of the second mortgage payment on September 15, 2009, for six months. In October, we moved out, renting a property we can now afford. We placed the property on the market (it is still for sale).

It saddens and devastates us to have lost our home. But being the responsible homeowners we have been for more than 8 years with Wells Fargo both here and in Dallas, TX, we did everything we could to salvage whatever we can and get as much money to pay off as much of our debts with Wells Fargo as possible. These two mortgages do not have PPI. However, the short sale did not come to fruition. It only seemed to be that by November, Wells Fargo then seemed to care but we were beyond being able, financially, to do anything about it. Shortly after President Obama blasted the mortgage industry for not moving quickly enough or taking the economic atmosphere and job loss seriously enough, it was all too little, too late to help us. We maintained the premises throughout the duration of its being listed for short sale. The house is currently listed with a realtor, has a lockbox, and has an MLS number.

We have lost our credit which in March 2009 was in the high 700s to almost 800 for both my wife and me. Here it is March 2010 and my wife is still unemployed collecting unemployment compensation. Please just accept the property in exchange for any debts owed. There is nothing more we can do short of filing bankruptcy. If we have to, we will fill bankruptcy. But there is enough damage to our credit histories as it stands right now. All this happened because of a job loss and a mortgage company who did not act fast enough, seriously enough or care enough about us. We did the right thing from the moment of job loss and while in the end, Wells Fargo feels let down, so do we.

Our lengthy relationship, excellent payment history, and reliability meant nothing when we needed help the most in order to maintain our monthly payments and continue to be reliable customers. In April, there will cease to be any homeowners insurance covering the premises through Allstate. We are no longer responsible for property taxes. If you decide to pursue foreclosure, please furnish us with a paper copy of the deed held by Wells Fargo.

I currently have a home that is listed for short-sale and my real estate agent has been working with Wells Fargo to obtain the approval from them on the short sale so that the closing can move forward. The property was listed for sale in April of 2010 and a buyer put in an offer on June 6, 2010. The offer was accepted and immediately sent to the lenders for review and approval by mid-June. The interior BPO was also completed mid-June.

Wells Fargo is the lender for the 1st mortgage on the property and would need to provide their acceptance so that approval could be obtained. The buyer's financing is also approved by Wells Fargo. Wells Fargo's policy is that whenever a short-sale contract is assigned to a reviewer, that reviewer has 25 business days to review the file. It has now been 2 months since the paperwork has been submitted to Wells Fargo.

On Monday, Wells Fargo informed my agent that the file had been assigned to a 3rd reviewer, thereby resetting the review time for an additional 25 days. I have also been sent a notice by Wells Fargo stating that foreclosure proceeding have now been started on the property. It is my belief that Wells Fargo is intentionally delaying the approval of this contract so that the home will end up in foreclosure. When my agent tries to contact a reviewer, they are not responsive. The home may end up in foreclosure as a result of Wells Fargo constantly delaying the review and approval of the contract that was submitted. If the property does go into foreclosure, it will have a negative impact on my credit rating and will take me many years to recover.

I applied for a loan modification in March of 2009. All of Wells Fargo's required documentation was supplied. A three- month payment trial period was completed with my payments being $1280/month. At the end of the trial period they offered me a loan modification with a monthly payment of $978/mo which included my taxes and insurance. All the final modification paperwork accepting the offered terms were submitted back to Wells Fargo at that time, I confirmed this as all documents were faxed in prior to originals being sent overnight via UPS.

In Dec. 2009 I received my first statement in the mail reflecting the new monthly payment, and no more came after this. I called in to make payments and each time I called in spoke with a different person each time and a representative that had no idea what he/she was doing. It was very obvious that the "conversation log" they read from previous conversations was so cryptic that they had no idea what transpired in the conversation as well as no clue what the actual status of my loan was. I was referred to senior customer service reps who would merely tell me that they had to refer my account for research and would call me back.

On August 18th, 2010 I received a notice in the mail stating that my account was being sent to an attorney and the foreclosure process had begun. No notice from Wells Fargo was ever sent to me letting me know that the modification was rejected or denied. And obviously the modification was never made official.

I have applied for loan modification with Wells Fargo in about Feb 2009. On April 1st, 2010, they denied my application. I filed chapter 13 to stop the sale date and resubmitted the paperwork for loan modification. In the meantime, my BR hearing came up and I let the BR fall out. When the BR has fallen, WF told me that I have to resubmit paperwork since now I am not in BR. So I did and at the same time, WF put the house on sale. My loan server requested for postponement of sale. But WF did not postpone the sale till 9:30 am, just 30 minutes prior to sale.

And I did not have that information, so I went ahead and filed chapter 13 again to stop the sale. Once again, my file was taken out from the process. I was told to refile the paperwork with bankruptcy department of WF for loan modification, which I did. Finally, they assigned a negotiator on Aug 2nd, 2010. But they are telling me it could take up to 90 days before they reach to a decision. My BR hearing is coming up on Sep 15, 2010. I was hoping if it could be done before so I don't have to go with BR. But it seems like it will not happen.

This is actually within the main corporate numbers like the one above. I have called them numerous times and have found that they have the worst customer service on the planet. I get cut off. I get misinformation. I get people who say they are going to do one thing then not do it. I don't know who else to complain to that will make a difference.

I am letting my house be foreclosed and want to file a complaint about Wells Fargo Mortgage. I lost my job last year and up until this year (2010) I had perfect credit. I contacted Wells Fargo for a loan modification and went through ** with them for 8 months, only to be denied on the day I got a new job. When I told them I had a job, they informed me that if I could send them $2,500 and raise my mortgage payments by $300, then they would work with me.

I was furious. They did nothing to help, nothing at all. Even in the end, they never would put anything in writing. I sent them 40 page faxes at my expense for 8 months. They waited until 3 weeks before the foreclosure date to deny me. I am now renting a house and letting my home go to auction. Wells Fargo is horrible and I can't fight them anymore. They don't want to help. It was all a game to them for months.

I had done a loan modification, which was approved on May 14th--it shows that the paper work was complete. On July 2nd, they declined me stating that I had sent it on the 2nd of July, which is not true. I had been working with a modification law firm who also confirmed that my paper work is now in order. Now, they say it wasn't. Wells Fargo began to put my home up for short sale and foreclosure, not to mention that I have money left to hire another team to handle my case.

Wells Fargo said that they need to do another review and pre-qualify me. And if I do not get qualified, then I will owe them over $30,000 behind mortgage--yet, I have been paying them for over 2 years of $2,899 while the modification has been in process and never had I been late. They said that those payments were not part of of the loan. They were only processing the payment for the mortgage until I was approved. Now, I am facing the fact of losing my home and everything I had worked so hard for.

In 2009, I was accepted into the HAMP program with Wells Fargo. I completed the program in early 2010. The final, "take it or leave it," offer from Wells Fargo resulted in a total reduction of my mortgage payment of $57 a month, leaving my mortgage payment at well above the 31% goal of the HAMP program. I was told that if I disputed the offer, I would be "locked out of the HAMP program." With that information, I decided to accept the offer in the hope that Fannie May can help me work out a plan. I was unwilling to allow my mortgage to fall into the hands of Wells Fargo without the help of a third party at that point.

Wells Fargo could have modified my mortgage to as low as 31% of my income by simply giving me the full reduction of interest allowed in the HAMP program. I have never been given an explanation as to why they failed to allow me that help. Shortly after that modification went through, I received a call from Wells Fargo offering a "free appraisal of my home and property." Then, I began getting calls from their short sale office several times a day for weeks on end. I have never been late on a payment in all the years of home ownership.

I know of other people who had the same non help of a $50 reduction in mortgage payments. I feel that a class action suit is in order on this. The result of this lack of help from Wells Fargo has been extreme financial hardship. I have had to hire an attorney and I am looking at either a Chapter 13 bankruptcy or having the lawyer help me with debt resolution since I simply cannot keep going at this current level of financial strain. The stress from the whole event has been very intense. I have a health condition that makes stress very difficult for me. Thank you for the chance to tell my story.

Our house was flooded and sewage back up. Home owners insurance would not cover and considered flood. I asked Wells Fargo if I could skip a payment so I could fix part of my house to make livable. WFAF answer no. I took it upon myself to fix my house and be behind a payment hoping to catch up later on. After late fees were over $1,000 plus past due payment calls started for repo. I spoke to the gentlemen and told them I would pay $400 or $500 a month to catch up. I began paying in March, April, May, June and July 2010. The first three months, I paid $500 cash. Next 2 months, I paid $400. I let them know that my son had moved back home and not working. I could no longer pay the $500. WFAF agreed to the $400 there after. The payments were well over the original payment.

After reviewing the receipts, I realized what WFAF was doing, putting all payments towards late fees and interest (16.32%) only, causing me to get further behind. When I called to question why they choose to do this, the response because and I quote "I am Wells Fargo!" I was due to pay August payment. I had a personal emergency matter happen, out of town, planned to pay but there were no Wells Fargo in the area I was at. I had the cash on me because the gentlemen said they would not accept a check.

I returned to town August 12, 2010 7:30 pm. I told my son we would get up and go pay it in the morning because I was tired after driving 2 and 1/2 hours. Wells Fargo was closed. Between 2 am and 6:30 am, the car was repoed. Thank goodness, I removed my suitcase with my medicine in it. Some of my other personal belongings are still in the car. I found out where the repo place was located, 65 miles away. I have to retrieve my items and I may have to pay storage on them!

Praise God the phone calls have stopped, I found a "buy here pay here" auto place and gave them the $500 and financed the remaining balance for 24 months at a much lower payment including a smaller interest rate than with Wells Fargo Auto Finance. I believe what they did was wrong, I did bring the problem on but I do believe as big a banking industry, they are they could have acted more professional.

2 days before closing Wells Fargo informed that they had made some mistakes on the loan and GFE. In all I was going to have to fork out an additional $4000 to close. When I complained, they said it was not their problem. They are within their rights.

I was given a loan modification approval mid June (14th) of 2010 and found out later on June 29th that the loan mod had to be modified based on an error on their behalf and for me to send payment as is until they figured it out. To make a long story short, I have been calling every day to get updates (have all the documentation) and on Friday 8/6, I received my check back with a letter saying that there was no record of the loan modification papers on their end. Today, 8/9/2010, I called and they are sending me to foreclosure. I need an attorney to sue these guys. Please, can someone help me?

We only met Teresa ** recently who is part of a new team in the President's office trying to help us understand the loan modification. Our complaint? Many. Bad advice during the excruciating process of their demanding financial info every single month. No telephone calls made clear the seriousness except letters explaining that we were "delinquent." We made it clear to Wells Fargo that we are experiencing hardship and after bills are paid, we have no budget for food, and must use credit cards which are close to being maxed. This represents $22,000 of debt because of need for food and gas and auto expenses.

I had mental exhaustion and was depressed at their outrageous decision to only lower by $40.00 monthly on our modification. Wells Fargo says it was not their decision, but the investors at Freddie Mac. This was totally unfair to us, who always paid on time, electronically. We have a second mortgage also to Fidelity Bank, Leominster, MA, always paid on time.

I'm a disabled black female, senior citizen now that purchased a home from Wells Fargo in April of 2003. Wells Fargo claimed they had to rework my loan twice before they could get approved. Even though I was a first time home buyer, I wasn't given any kind of breaks or incentives; I had to pay off all of my creditors before I was allowed the home loan. One creditor got paid twice and I had the proof to show that the bill had been paid. I had to put down more money than I wanted to in order to get the loan. I was charged property taxes for the year that I purchased the home even though the taxes should have been paid before I purchased the home. I was listed as a previous homeowner on my documents.

I tried to get my home refinanced in 2005, but Wells Fargo refused because they said my credit was too bad. There was nothing on my credit at the time because I had paid everything off to get the home. In April of 2005, Wells Fargo financed an auto loan. How is that possible if my credit is too bad? In 2008, I started having health problems and contacted Wells Fargo about help with my home loan. I was told that I had to be three months behind before they could help me. This created a financial nightmare for me.

By then, because I'm on a fixed income, I couldn't catch up. I was forced into bankruptcy to try and keep my home. The payments got too high and I had to take the home out. I've tried working with Wells Fargo, even with the help of NACA, to get a home modification loan. Wells Fargo won't reduce the payments and each offer is always for a higher amount than I'm paying now. I started out paying $900 a month and I'm still in that range with the huge deposit that I put down.

I've asked about their Save Your Home program and they deny they have one. I'm constantly being put in foreclosure and at the risk of losing my home because they won't help. They keep charging outrageous lawyer fees and billing for things they are having done and adding them to my account, for example, home appraisal, and not letting you know when or why or how much the home is worth. They have played all kinds of head games for at least a year now, but won't really help.

I had a forensic audit done and found out how they had violated a lot of my rights, for example, fair lending practices, fee gouging, or adding a floating rate when it was supposed to be a standard flat and fixed and not telling the customer that their mortgage payments would go up each time the interest rates did. If I could find an attorney to take my case, I would sue them for all the refusal of trying to help work with the homeowners like they claim. The man who did my loan disappeared as soon as the loan was approved. You could never contact him to ask any questions or about paperwork you didn't received. It was always something or he didn't work in that office anymore or he was moved up north to that office and finally he doesn't work here anymore and he was the only one that was supposed to be able to answer any questions about the loan.

Since I'm disabled and on a fixed income, constantly raising my monthly payment is putting me in the position of becoming homeless, which is very frightening. I'm not physically able to go out and look for another home nor do I have the money for that. I just want to keep paying on my home and stay put so that this doesn't cause any more stress and health issues for me. This is definitely not helping my health issues at all.

Over the last 18 months, we have had some really bad things happen, and we missed a house payment in August 2009. I contacted Wells to see what the options were, as our 1st mortgage payment was $2,500, and it would be hard to make it up. They took our information, and said we qualified for a Home Affordability Mortgage Modification, and they would send the paperwork. It took over 60 days to get the paperwork and when we received it, the modification was a 40 year note vs. my 30 year note (both fixed rate at 5.25%). I contacted Wells, and said I was not interested in a 40 year note, as I would be 90 years old at pay off. The representative said this was a "bridge loan" to cover the 3 months of new payments, $2300 vs $2500, and we would re-evaluate after that period. If the payments fit, and our finances were stable, Wells would modify the interest rate on the original 30 year note.

I made the payments, and in January this year, I found out my father in Illinois had almost died from malnutrition because of a throat cancer that had caused him to stop eating. I found out when he went to the ER at the VA hospital on December 29, 2009. Dad is 75 years old and lives alone, and we spent several thousand dollars in air fare, hotel, car rental, etc. to get him through the surgery in May this year.

I give you this background to understand my position. At the completion of the 3 months payments, I contacted Wells Fargo to renegotiate the interest rate on the original note, like the loss mitigation representative from Wells had told me when I signed the modification documents. Imagine my surprise when I was told my modification was over, and the 40 year note was what I had. I asked about what I had been told, and the agent indicated that could not be the truth, as there is no program or means to accomplish what I had been told.

I thought this was wrong, and not being someone who accepts things at face value, I started to research my options. I surfed the FDIC web site, and discovered federal regulation that prohibits any banking institution to represent falsehoods as truth in order to get the customer to sign a document, specifically a loan document. This applies to both written and oral statements. This is known as Deceptive Practices, and so everyone understands what that is, this is the branch of the Treasury Department responsible for enforcing banking regulations. I learned this from the FDIC when I attempted to file a complaint. Below are excerpts from the letter referenced above, sent to all national bank CEOs, almost a decade ago. The actual regulations are available on the FDIC web site.

Deceptive acts or practices. Practices may be found to be deceptive and thereby unlawful under section 5 of the Federal Trade Commission Act (FTC Act) if the following three factors, derived from principles applied by the Federal Trade Commission, are present (These principles are derived from the Policy Statement on Deception, issued by the Federal Trade Commission on October 14, 1983): -There is a representation, omission, act or practice that is likely to mislead. Practices that can be misleading or deceptive include false oral and written representations; misleading claims about costs of services or products; use of bait-and-switch techniques; and failure to provide promised services or products.

For example, there is an implied representation that a product or service is fit for the purposes for which it is sold or marketed. In addition, the focus of this inquiry is on whether a practice is likely to mislead, rather than on whether it actually misleads. The OCC will consider the entire advertisement, transaction, or course of dealing in determining whether practices are misleading.

I include only the first example of deceptive practices, as it covers what has happened to me. I have filed a complaint with the OCC, and are awaiting the review of the case. We also had a wedding in June, and the substantial expenses related to Dad's cancer surgery and recovery in May I previously discussed. As a result, I missed the June payment. Wells Fargo called me on June18th, and asked what they could do. They offered another modification, but said they would call back after July 1st to work through the paperwork. July 1st came and went, and I never heard from them, so I gave them a call on or about July 16th to find out why we had not heard from them. I was again told there was nothing they could do.

When I pointed out they had called me in June, I got the "so, what do want us to do?". I was again informed our modification was done, and there was nothing Wells could do for me. That is when I filed the complaint with the Treasury department. Wells Fargo contacted me this morning, and we began discussing a modification, again! When they asked to update my financial status, I discovered they have no record of our conversations in either June or July, as we updated our financial status in July.

The reason I contact you is because if this is happening to me, it must be happening to many others. As you can see from the excerpt, and false statements made orally falls into the deceptive practices bucket. I am confident the OCC will help me resolve my situation, but how many more people who don't realize what Wells is doing is illegal have been victimized? Then there are the stimulus funds Wells receives for every modification. Only, if they are repeating this behavior, they are getting money from the Fed, plus taking extra thousands in interest payments made by changing the load from 30 year to 40 year. I am stuck with a 40 year fixed loan. If I carry it to maturity, I will pay an additional $129,000 over the 10 extra years.

I asked if there was on origination fee. I was told by Richard, Susan and Chris ** that there is no origination fee, but they are charging a processing fee and list it on the HUD form on line 802 as origination fee. I have an email stating no origination fee. I was told that the original form where it was listed was wrong and it would be fixed.

I am paying $425 dollars for an origination fee that they say does not exist, but they are calling it a processing fee. The definition of origination fee is a fee for starting a loan. Wells Fargo is lying to the customers, then tacking on the fee and calling it something else.

November of 2009 I was placed in one of your affordable mortgage programs. Before I started this program, I was not behind on my mortgage at all. I was informed, that the modification starts with a 3 month trial period with lower payments. This process turned into a 7 month period of endless inaccurate information, and endless phones calls. I was also informed that while in the program, the mortgage information would not report on my credit, until the loan was modified. At that point, the new balance and payment would show on my credit report.

For 7 months the mortgage information did not show on my report as previously stated. June 19th, I finally received a call from Tonia ** ext. **, that my loan was modified, and the paper work would be in the mail. I have since obtained the forms, and returned back to your company. On July 1, 2010, I did a three way call with Kevin **, from New American and Wells Fargo, because my mortgage information was not showing on my credit report.

He wanted to inquire about my status before the modification. It was confirmed by a Wells Fargo representative, that my mortgage was not past due, in any way, before the modification. Mr. ** asked your company, if they could update my credit report with the information, before the modification for the first 14 days the information was correct. As of July 13th, my credit report is now showing a negative.

Loan amortizations show that I am current, but I owe $4,800. I have been calling your customer service department continuously for 3 days. On July 13th 5:45 PM, I spoke with Sharon. She stated that is how Wells Fargo reports modification, and this information is in the fine print of my documentation. She was very nasty and rude. She stated nothing can be done. I have reviewed my forms there is no information stating this fact.

I am asking Wells Fargo to remove the negative information from my credit report, so I can continue to finish school, and obtain my school loan. I am asking that, they report the new modification amount noted on my paper work, and/or the fact, that I was not late before the modification. This information is critical to my education and school loans.

This case will be reviewed by a complaint specialist at the Better Business Bureau, and then forwarded to the business for their response. Please allow around 30 days for possible resolution. This incorrect information has dramatically affected my credit score, which has started a domino effect with my credit approval. My school loan has been denied. I am unable to attend school, and unable to apply for any other loan, or refinance my home. This will also affect my ability to purchase another home in the future.

I have my application approved for mortgage refinancing but I canceled the deal because it didn't meet my expectations. They made me pay for the appraisal upfront for $455 and told me that it can be refunded anytime if ever I change my mind not to refinance. After a week, I finally decided to call off the deal and I requested to have my $455 back to my credit card.

Then this person named Justin, the manager, promised me a 7-10 days waiting period. But nothing happened. I called again to follow up and he asked me my credit card # so he can expedite the process but, again, after 10 days nothing happened. After 5 weeks, I tried to call him but he never returned my call.

Built a new home and loan officer wanted us to add extensions to the final loan by increasing the interest for a few months and then coming back at lower interest. Wells Fargo wouldn't come back and lower the rate as promised in writing as this loan officer left their company. Then they put us into a moratorium and then through a HAMP loan. (we were told this was the only way they would modify our loan) We missed the three payments purposely as they told us to do so & also destroying our credit as they told us it wouldn't. Then they told us we passed the HAMP loan period and our new mortgage was to be at 3.875% as what they received from the Federal Government but they forced us into the note at 5.375% which we never agreed to and after 2 years of paying 7.625%. It has been discovered lately that they are keeping the difference from the Govt. loan and charging us more 2%+ difference.

There may be a class action lawsuit from their unlawful practices in several states. Our guaranteed payment by our original loan officer when up $1,000 each month causing us economic hardship, stress beyond belief and extra costs for financial, sleep disorders, and other counseling. We never signed any modification but they went ahead and adjusted our mortgage without our consent. This must clearly be a crime in any state to force a couple to make high payments against what was originally agreed upon.

My interest is high and I did apply 9 months ago for a loan modification. I was on a trial process while my loan modification process was continuing. Suddenly, one day, a person from Wells Fargo called me to send documentation, and I called Wells Fargo to get the extension and one of the workers had told me that I have been removed from the loan modification process without any notice and they sent me a letter to pay them the original payment from the trial which is $1,553 to $2,300. They threatened to put my house in foreclosure while we are still and have been living in it for 8 years.

I hit hard times, like everyone else, due to the economy. Placed on disability, lost my job due to the economy and down sizing and I reached out to Wells Fargo Home Mortgage for help so I don't lose the house that I have worked so hard to get and keep. Found out that Wells Fargo sold my loan to Bank of America which is totally screwing me all the way around.

It's been seven months to date. I have complied with every request, update, etc that Wells Fargo has asked for. The 800 number for Loss Mitigation that you call for assistance is a joke! The agents have no authority, no internal connections. Everyone of higher authority either won't take the calls or direct the calls. The agents either can't read the records or don't document them clearly and effectively so the next person is clear and the processors and negotiators don't even put their contact number in the file and the agents have no way of reaching out to them internally when the customer calls back.

I have been told that I am in review, status is active, processor is reaching out, negotiator is reaching out and recently that I should have received a "welcome" call to discuss the terms of my modification. None of which can be confirmed or has happened to date. And again, these agents cannot help nor can they find someone internally to answer or clarify the process. I get the same old story, the apologies and they understand how I feel and my favorite "I will send an escalated email and someone will reach out to you. "

Yesterday, I was told to fax a request to have a processor call me, which I did. Today, I followed up with a phone call to find out that in lieu of a phone call a three page letter has been mailed out to me today. I find a few things hard to swallow.

People are in jeopardy of losing their homes. I would think WF would set up a functional operation to effectively assist customers in need and who are under tremendous stress because of this. This is so not cool! If their homes were on the line, I am sure they would want someone who is effective and consistent to jump in and help. None of which WF seems to be.

I notified Wells-Fargo on June 10th, that I was refinancing my home. They have called me everyday, twice per day, wanting their June payment. I closed my loan on June 24th. I am still getting harassing calls and am now being threatened to put into collections and subsequent credit reporting adverse marking. They refuse to put me through to a supervisor. It is more emotional and mental stress fatigue.

Even though they have said that they are sending a form that we need to fill out, they have not sent it! But each phone call results in reaching a different person who has no idea what is going on. Each person give us a different amount owed, but they ALL promise us that our home isn't going into foreclosure and not to worry. We have the money to send, if we knew the correct amount to send and that we would receive a guarantee that this would be applied to our mortgage and keep out home out of foreclosure. But we receive NOTHING in writing and no guarantees. What are we supposed to do?

I attempted to get a loan modification through wells fargo. From the beginning of the process they continually asked me if I would be willing to setup an escrow account for taxes and insurance. Of course, I did not want to, because that would simply raise my monthly payment. However, after they insisted that it was necessary I agreed. Well, my loan modification was DENIED. And guess what???...Wells Fargo put the escrow account on my mortage anyway. So now my monthly payment is HIGHER and Wells Fargo gets extra money from me each month. NOTE: My mortgage was never late and my taxes were always paid on time. Wells Fargo put me through this entire loan mod process, to sucker me into getting an escrow account.

I would like to speak with someone about Wells Fargo. I know what I have gone through is what thousands of others in this state are going through and it is time the story be told. I am a hard working woman with an MBA. I pay $2400 a month to this company that now tells me a mistake was made, my loan modfication was canceled and I am now facing foreclosure if I do not come up with 22K by the end of the month?

For someone who pays a company each month-with NO coupon book, NO statement, NO evidence of payments being applied, simply on the words of employees saying "just keep paying what you are paying until things work out" is insane. I am not asking for a handout. I am asking that someone make this company accept responsibility for its actions and the lives it destroys without forethought. I have been dealing with this nightmare for over 15 months and I have never experienced a more disorganized, chaotic, uncaring, unethical business in my lifetime. Wells Fargo needs to answer to someone. The government has given them millions to help people just like me and it is not happening.

I'll basicall copy/paste a letter sent to Wells Fargo describing the whole ordeal. They offered $450.00 to reimburse us of our losses. AFter this horrible ordeal, they are now wanting to increase our mortagage by $400.00 because our property taxes went up. Not true, assessor says they went down. Enjoy the reading, when I read the letter it takes me back and makes me want to hyperventilate. We are struggling and trying to work on a loan modifcation now. I hope the ordeal won't be as painful, but I'm looking towards losing significant hours at my job. Enjoy!..

"January 12, 2009
To: Wells Fargo Home Mortgage
425-A S. Telshor Blvd.

Las Cruces, NM

This letter is in regards to the circumstances regarding our home loan, closing date, and expenditures acquired due to not receiving our home loan on the date previously given to us by Wells Fargo as December 30th, 2008.

We were told several weeks in advance that we were scheduled to close on December 30th, 2008. We closed on our home on December 29th, 2008 to which we pushed our own buyer to close early so that we could provide Wells Fargo with the HUD document needed for our own closing. Our builders came through, our buyer came through, their bank came through, and we were packed and ready to close and move in on December 30th as scheduled. We did our home inspection on December 30th at 9:00 a.m. By closing time, 11:00 a.m., Wells Fargo was not ready; we waited all day until we were told it would not happen until the next day. The 31st came and once again Wells Fargo was not prepared and by 12:00 p.m. it was too late as businesses were shutting down for the Holiday. January 2nd, 2009 came and we still were not able to close on our home, as Wells Fargo was not ready. This continued and we were living at the Motel 6 for 12 days, as we had nowhere else to go.

We continue to be disappointed to have seen the combined problems of inadequate procedures and the continuous probing into our loan packet. These problems should not have occurred as we fully believe the full audit of our loan packet should have been completed months in advance. It is our belief that this incompetence is at the hands of the underwriting department. There were numerous items of concern to which the underwriters needed clarification via letters of explanation, and the revision or completion of new documents to which not only did we have to sign but our parents, Manuel and Susie Munoz, who reside in Silver City, New Mexico also had to sign and re-sign. It caused a great deal of stress for all, not knowing why this was occurring when the loan packet and gift letters and other documents had been in the hands of Wells Fargo for 4 months.

We are very aware and confident in knowing that we provided everything in a timely manner in order to secure our loan on December 30th. The concerns and items to which needed clarification had been in the file for months without no question, concern or need for clarification. The fact that each time we submitted items of clarification, revised documents, or provided new documents a completely new underwriter looked at the file and came up with more items is beyond our belief, is completely unfair, and brings up questions as to the policies and procedures of this institution. We feel it is these reasons that put us out of a home, living in a hotel, and having to spend money each day to provide the necessities to which we did not have access to because we had packed our life away in a U-Haul truck which stayed parked at the hotel to which we resided, waiting to move. It is not known if these underwriters were aware of how their failure to look at the documents prior to the closing date cost us time, money, and much stress to our family of 8. We strongly believe that we need to be reimbursed for our time and all the expenses we incurred. Had we closed on the scheduled date our family would not have suffered these losses or stress. We know it was not our doing, we were prepared, and Wells Fargo was not. Wells Fargo knew we would not have a home to live in after December 30th, 2008. Wells Fargo knew we sold our home, Wells Fargo knew all of our belongings were packed away.

We feel that it is necessary to mention that the staff here at the local Wells Fargo office worked hard to get these issues clarified and continued to work with the underwriters to get us into our home up to the very last minute. We appreciate that they understood our situation, specifically Rick Montoya, who acknowledged that we were under extreme stress at having been unfortunately displaced. For him we are grateful to at least have had someone whom we could speak to even though he did not have all the answers. We are grateful, as he understood the predicament we were put in; he understood our frustration, anger, and grief.

It is hard for anyone to understand the predicament our family had been in with an uncertain future. We were basically homeless and running out of money to support our family. The new school semester begun and our children had to live in a hotel until we could move them into our new home. Our children doubted that it was going to happen and were unsure that we would ever be able to live in our new house. No one can fathom the amount of disappointment, stress, and insecurity our entire family went through. For our children it was difficult to explain why we could not move into our house. We could only ask them to have patience.

We feel completely justified in asking Wells Fargo to reimburse us for all the financial losses we have incurred throughout this time. The loss of income to which we took time off work to move into a home we never obtained on the dates that we took off. The continued days taking time off having been told we would close on other dates given, but never did. The hours spent having to call and come into Wells Fargo to see what the status was regarding our situation. And finally, having to take even more days to finally be able move into our home. The money spent to rent our hotel rooms, to feed our family, to care for our hygiene, to buy clothes for work as our clothing was stashed in the back of furniture, appliances and boxes thinking that our clothes would only be there briefly. And finally the additional costs to rent the U-Haul for many more days than expected.

We are providing receipts of all our expenses and we believe that Wells Fargo should provide for the reimbursement of all for had it not been for Wells Fargo delaying the closing date many times we would not have had to endure any expenses. To this day we are struggling as our funds were depleted, this was money we could have today to fill our home with food and purchase other necessary items to which we cannot because of this whole ordeal.

Please find the attached receipts dating back from December 30th, 2008 to January 9th, 2009, our leave records dating back from December 27th,, 2008 to January 11th, 2009, and our bank statements dating from December 29th 2008 to January 9th, 2009. This shows the financial costs totaling approximately $5,584.32, which we incurred while having to be without a home for this duration of time. "

I did get a call from a real person at Wells and I resubmitted my modification and was told I would receive an answer in 30 days. WOW But the real question is does Wells prefer to foreclose on a property and take the total writeoff rather than help save a lender's home. OR - are they hidding the true default amount of loans they are holding from the government and their investors? We will be in foreclosure and we just want the same interest reduction and principal reduction that other lenders who didn't take bailout money are getting - lower interst rate and reduction of principal in line with existing home values.

My husband and I ended our marriage in July of 2009. On August 7, 2009 I requested a new loan modification from my mortgage holder due to the reduce income and faxed in all require documents in initially and every month after that. It included income, a hardship letter and a list of monthly expenses. I also faxed in at least 2 times a copy of my divorce decee (which incorporated and my separation agreement), that was also faxed. On 3/24/10 my divorce lawyer spoke to a Nancy H from Wells Fargo and followed-up with an email regarding who has legal right to the property and they both concurred that I do.

I later received modification documents from Wells Fargo April 22,2010 giving me a payment which I could not afford. The document still had my ex-husbands name and a place for him to sign and of course he wouldn't because he is not legally responsible for the property. It looked like they still were considering his income in the new monthly payment amount. They closed my account without prior notification and I started to get collection calls again. Today I spoke with Josie a supervisor and she informed me that I have to start the whole process over again. In the mean time I have an extra $21,000 in back payments and interest because everytime I asked a CS rep to make a partial payment I was told they cannot do that, until in 3 months ago when one rep said I could mail a partial payment in.

I have turned in my modification loan paperwork to them on a monthly basis since October 2009 yet they have NOT RECEIVED THEM and therefore cannot work with me on this issue. Therefore, HARASSING phone calls until payment is received. Due to the current financial situation and my constant search for a job, the HARASSING PHONE CALLS are causing undue stress to my and my family.

Wells Fargo had assured me several times that they would help us work something out so that we could keep our home. I have been working with them for the past 6 months!!!! I have applied for a mortgage loan modification 5 times with Wells Fargo, and they keep denying me for one stupid reason or another. I have been assigned a Government stimulus coordinator named Tony who has been working with Wells Fargo on my behalf, because of my families circumstances. My husband and I own our own business and we are both 46 years old. In late 2009 my husband was injured and had to have surgery to fuse is back to his pelvis and needs another surgery to fuse his neck.

We had to shut down the business for about 5 months due to his surgery, and for the first time in the 10 years we have been in our house we fell behind on our payments. I have been diagnosed with a rare and unfortunately terminal cancer called Multiple Myeloma and I am in the process of dying. I wanted to be able to die at home and not in a hospital. My husband is now partially disabled due to his accident. In total now he has 54 plates in his head, lost 1 eye, has frontal lobe damage, his lower back is fused down into his pelvis, and in the fall he has to have his neck from C4 to C7 completely fused. The bank has all of my information. I can't tell you how many times things had had to be resent because they had lost the information. The coordinator that is helping us also has all of my information and has gone over all of our financial information and tells us that we qualify for a loan modification more than anyone else she has worked with, yet Wells Fargo keeps denying us over and over.

The first time we were denied the bank said we were denied because we made to much money, the secound time was because they said they didn't have certain information that later they admitted to having all along. The 3rd time we were denied because they said we had signed a "pay back contract" and that we hadn't followed through with the payments. The bank admitted later that we had never signed a payback contract so once again they had denied us due to false information or information the bank had lost or couldn't find. The 4th time we were denied for not making enough money. It is a joke. When My coordinator called yesterday they told her that they were not going to do anything to help my family and that we should do a "Deed in lieu" and give the house back to them. My husband went back to work in mid April and we have the money to start making payments to the bank but my husband refuses to give them a dime because of this huge mess and the fact that they will not do a thing to try and work with us and could care less if they are throwing a dying women out of her house. What has happened to human descentcy?????? My coordinator tells me that she has never seen a bank put someone through what they have put my family through. I finally had to tell Wells Fargo to deal with my coordinator because the stress was literally killing me quicker, but they ignored me and I still receive numerous phone calls.

Unpaid Principal Balance Goes Up Not Down.Payments ,Principal,Interest,Escrow,Are Some times Unapplied to account.Escrow Balance Are Never Right!!,Missing Moneys From Escrow Then Advanced Moneys Back to escrow that was mine in first place!!.Then Escrow Shortage shows up Increse of $100.00 Now Paying $234.23 From$102.56. Also Will Get Escrow Refund one month and following month a shortage shows up once again this happens all the time!!. overdue payments show up on statement when there is not a overdue payment and have confirmation Number and bank statement to show that there was not overdue payment .

this also happens all the time from 2000 to 2010 have documents Bank statements Confirmation # to prove this have called wellsfargo,sent fax,e-mailes went in person But does not matter. the bill goes higher and higher then they wont except your payment because its not Payment plus overdue payment plus late fees plus other fees I dont even know what for!! So to make a long story short PAY IT OR YOUR IN DEFAULT!!!!. AND THIS HAPPENS ALL THE TIME!!. ALSO FHA# ARE differnt on my 1098 interest statements And there Is always A different Federal Identification # Number On my 1098 mortgage interest statement!!.

Also FHA# Number for Audited Loan 703---------- Is Different On 1098 Mortgage Interest statement then the PAY OFF Statement That has the right number for the FHA Loan number!!. So in all and all there are so many things that are done in error but when told this nothing is ever done about it so it just keeps on happening SO IF THERE IS ANY BODY OUT THERE THAT CAN HELP PLEASE LET ME KNOW!!. Thank You.

P.S. I Have Documents That Can Prove Everything I Have Said Here From Bankstatements,1098s Monthly Mortgage statements Every thing and any thing I Have Kept It From Day One Of this Loan That started in April 1996!.P.S.S. I Also Had A Refinance Done with wellsfargo called the silver bullet in 2005-2006 with up front fees charged (have bank statement to prove charged upfront fees) and closings fees where taken out of Equity of home and at day of closing of Refinance the wellsfargo loan officer Said I Called And Reqested Not to Refinance But I did Not Do I Called About What Happened Told His Secretary I Did Not Reqest that AND I Wanted To SEE Proof Fax,Phone,Letter Something But they Had Nothing She Said He Had Left for his vacation at 1:30 that Day for Hawaii Closing was to be over by 3:00 that after noon and he did not want to wait!!. the end.

not willing to help me bring mortgage payments down so that I may be able to stay in my home. losing my mind, don't want to lose my home

People, listen to this and you tell me if i have a case? Took five tries a year ago, finally get a modification on my loan. I was still struggling after the modification due to my small crown molding business and as we all know the housing sector has stunk for the last couple of years. I called to make payment arrangements and they said hey you pre-qualified for the HAMP program! You know the story documents up front, and three payments on the 1st day of the month and if all is well you have your new hamp loan! Great, provided everything, made payments and then mid January, I got the letter we need documents, we will call, send someone to your house to help fill them out and answer questions or whatever we can do, or call us and get an extension, which I called and did and promptly got my docs faxed over 01/29/10 and called back a week later to see if all was well. I forgot to date and sign my profit and lose sheet and was told to do so once again and I complied and sent it and called to make sure this time all was well and they got it.

Made February payment, my 4th payment in a three month program which is said to have a decision in 30 days from last payment, called to see status, "oh you made the qualifications, we are just processing it to see if your excepted. Let it go, first of March, I called to check again, oh in process. I was told just make your payment when you can. K, sure. Mid April comes I get a letter saying pay 18,200 and change by May 14, 2010 or foreclosure begins? I called and was told to forget letter, that I was in program on 04/16/10, so make your payment. I had not made my April payment so on 04/19/10, I get another letter saying I was denied in the program due to not getting documents in on time. I called and told no you need to provide them every month on your profit and lose as your expenses and income may change on a monthly basis? I did my mod the year before with a 3 month p/l sheet the same way five times before I got qualified the first time and did it again the same way this time, but no language in the contract stats that at all, only provide documents upfront to qualify and I assume I did since they took money directly out of my bank account.

Well, I was also told yeah you're pre-qualified for another program and your payment will go from 1550.00 to 2149.00 a month and we have a three month trial period again. How did I qualify for this program? Oh by your documents your sent in October 09. What? How can you use documents from 7 months ago to qualify for a more expensive plan and you can use them for this program but not for the cheaper one even though I have proof I sent them again and updated 01/29/10 and again 02/10/10. Explained situation to customer service and they said call back tomorrow, maybe we made a mistake and can get you back into program. Called back 04/22/10 and told not the 1550.00 program, but the 2149.00. I said I can send proof, but not hearing of it, but was told to at least make the 1550.00 even though I was not in program?

Why, if they want 2149.00 on 05/15/10, I wouldn't qualify myself as I would be short about 600.00 dollars. Not to mention I received the letter on 04/19/10, three days after I spoke to someone 04/16/10 who said I was in the program. The letter was dated 04/14/10. Why didn't the guy tell me I was disqualified already because I was trying to set up another payment that day to be taken out the first of May? I got another letter dated 04/26/10 that states I was delinquent on payments as I was entered into a 7 month installment period from 10/01/10 to 04/01/10. So what contract for seven months did I sign?

Nothing! It's called bait and switch. They know I sent the documents and they screwed up and I can prove it, so lets go after him for a lack on an April payment and twist it into a seven month program. Complete garbage. I hired an attorney yesterday. They have ruined my credit and anyone who is in any of these programs, they report you delinquent even though you pay. I called the hope program and got a mediator and went to battle yesterday to get no where but we can see if we can get you back on the 1550.00 program. They will get back to me. Before the three way call with asc and the lady from the hope program couldn't find any record of any modification attempt into Freddie or Fanny on my behalf form asc? Was I ever really in a program? Were any of you ever in a program? Here is my conspiracy thought, I owe 300k on my house, bought it at a bargain for 375k almost four years ago. Have equity in it, back yard has gate to a park, quiet, nice neighborhood.

I think that ASC/Wells Fargo wants to keep me in another program for the next three months and once I don't qualify again they will threaten me for a month or two and then start on foreclosure proceedings and tie it up for about another year till the housing market rebounds and sell for 400k and steal my home by fraud. The hope program is managed by an entity on Bank of America, will they turn against Wells, hell no. I think I was never in a program, only upon me calling in April did I go from no program to another to potential of foreclosure. They claim documents missing, but turn around and send a letter about a BS contract I'm not even in and make it a payment issue now. When was the last time you ever had a seven month contract? They are ** at me as the comptrollers office slapped their hand a year ago when I was at 9.9% interest with an arm. They stand to lose about 250k if they put me into the 1550.00 payment a month. It is clear, there is no real hope program and if there is they never had me listed ever and ASC said I was in the program?

My states attorney generals office said they can't handle the case but an attorney in the office called them very skeptical and said sounds like if I have the paper documents and proof of sending and their lack of communication and bait and switch that I have a hell of a case and call the comptrollers office. I have filed the case with them again and got an attorney. If you're in a program, you better check with hope and see. Do I have a case? Stay tune.

I am separated and we have two homes. I have never had a problem with my other mortgage (National City/PNC) or Home Equity Loan (PNC) bank. In our (my son and I) primary residence, I have my primary FHA mortgage and unfortunately, now my home equity loan through Wells Fargo. Several years ago, I used their services and paid their appraiser for an appraisal ($750+) in order to have PMI removed from my mortgage. They denied their own appraisers claims, did not remove PMI and told me they never would and refused to discuss refinancing with me on both my primary mortgage and now my HE loan.

Wells Fargo has systematically denied any and all attempts to work with me. They had rolling surcharged my primary mortgage payment over several months "other charges" even after the fee was paid several times over. Their excuse was they didn't know how to remove it. I finally sent three separate checks and placed several phone calls to have it removed. I was one month late on primary mortgage (October 2009) which rolled (paid October in November and November in December and I believe I made a double payment in either December or January 2010) for which they threatened me that they could and would start foreclosure proceedings after first 45 days the entire time, regardless if overall, I was only 16 days late. No other payments were made late.

I received no less than 10 certified letters and multiple daily phone calls. They pinged both mine and my husband's credit rating and they then and have now currently denied me re-finance (30 days late for 3 months) loan combination and loan modification options stating that I am ineligible. I am unemployed as of today and as of today I still received nastiness and got nowhere with them. They constantly (with enjoyment) threaten my credit rating even after they have already impacted it. It seems that defaulting on my mortgages is preferred and even desirable. I am very, very sorry I ever got involved with them and even more sorry when they acquired Wachovia. If I had any idea, I never would have took the HE loan.

I applied for loan modification program eleven months ago. Wells Fargo insisted that I stay in three-month trial period which represented reduced mortgage payments. After the program was over, it is not that my loan modification process was not over. I was reported to credit bureau and charged three months' worth of late payments. After endless complaints, Wells Fargo refused to refund late fees and what is more important, never finished the loan modification process. Customer service is completely incompetent and useless and they do nothing but provide you with wrong information and prolong your financial and mental struggling. When will it end?

On the 19Th of April, I went to the auction (trustee sale) that is conducted by Nevada Legal News in South 4th Street, Las Vegas, NV 89101, and I made a bid on the property Silver Knoll Av, Las Vegas, NV, 89123, I spend my live savings of $27,300 just to find out a couple of minutes later by a gentleman that was at the auction that in fact I was sold a second loan alone.

I went running to the office were the auctioneer lady was holding my cashiers checks and I ask her to return them to me. They refuse to do so, they told me I had to deal with the company National Default Servicing Corp, I call them and they told me to send a fax requesting a refund and they will forward it to their client Wachovia Bank. So I did, I also ask them for a contact person in Wachivoa and they refused to give me any contact information. I waited a few days like they told me to and I didn't get any call back. Meanwhile, I tried to call Wachovia Bank, now wells Fargo, I was transferred to many departments, no one in the bank knew what I was talking about and not understanding what happened to me. I was finally transferred to the foreclosure department manager Mike L. in Texas, I explained him my situation and he told me there is no refunds and if I wanted the property I had to pay off the first loan of $265,000. (on a house that is worth maybe 160,000).

This is all the money I have. I don't have a stable income and I have a mortgage to pay and little children to take care, I haven't sleep more that 4 hours straight for over 10 days from all the stress.

Wells Fargo has given me the runaround regarding my mortgage loan, and I believe they purposely came up with excuses to delay my closing because they do not want to process this loan. I have been approved and was supposed to close this loan on April 15, 2010. What's amazing is they have sent me on a wild goose trip stating the only hold up is that I needed to surrender the title of my double wide home to DMV since this was never done to have the property turned into real estate.

I contacted the county were I reside to learn how or why I have been charged taxes on my home if it never was turned into real estate. The county advised per VA state law code: 58.1-3522 Assessment method for Manufactured homes shall be assessed at the same time as the assessment of real property on which the manufactured home is installed. The county advised the title never had to be turned into to DMV to be classified as Real Estate since my home is double wide. This property is and has been listed as Real Estate since 2001!

I don't understand how the Manufactured Specialty Team could not have known this. I sent the information to Wells Fargo that I received from the County along with my tax card and wanted to know why my loan has been held up regarding a title issue that wasn't applicable to me in this situation in the first place, causing me numerous trips to DMV and several missed hours of work to try and get them this information. Also I would like to add the real estate appraisal they used to approve my loan expired on 4/24/2010; if this loan does not close by 5/05/2010 I will have to start this whole process again.

They currently already hold the mortgage on my home and I was attempting to refinance and pull out the equity in my home. After sending a copy of the State code, backup paperwork, etc. to Wells, I was told they would need to check with post closing department and see if this is what they need. That was on April 27, 2010. To date no one has returned my calls or will advise me of the status of my loan. I contacted Rachel ** of the president's office (complaints department) on two occasions regarding this process and she has never gotten back with me. My loan is an FHA loan, which I have recently learned FHA is no longer financing any type of manufactured home at this time and the program has been defunct. I believe this is why Wells Fargo continues to use delay tactics regarding my loan process, in hopes that when the locked rate runs out on 5/5/10, I'd just walk away from the whole thing.

Since 2008, I was dealing with Wells Fargo to have a modification done on my house. They gave me a runaround all year and didn't do modification. When I got my taxes, I paid the balance that I was behind. I was late paying this month for couple days. They call me everyday, seven days a week, 5 and 6 times a day. And then, they sent somebody to take pictures of my house every month, and they wanted to charge me extra $30.00 for the pictures. I refused to pay for those pictures. Right now, I have my house for sale, because I don't want to deal with Wells Fargo. Advise for everybody: Do not use Wells Fargo for nothing please.

In 2008, we took a pay cut at work and at that time our mortgage rate was being adjusted to a higher rate. We contact them because our house was under water and couldn't refinance. They allowed us to modify the loan. They raised our rate and gave us a fixed term mortgage. The new loan was for $402,000.000 and the house is own worth $365,000.00. We were okay with that because we wanted to stay in the house. We spent our entire life savings on the house.

In Sept 2009, we found out that we were expecting our 4th child. Work was picking up and all our bills were being paid. I went out of work May 9, 2009 and my company did not offer any paid time off for maternity leave. I call Wells Fargo on May 2009 for help. I knew we weren't able to make our May payment. They told us that they would help us. Again, I was out of work for May 9 2009 to Aug 4 2009. The mortgage company told us not to make any payments until they could set us up on a forbearance agreement. We did not hear from them until Aug 12, 2009. I explained to them that I was now back to work and could make a regular payment by Aug 25, 2009. That would only leave us 3 monthly payments to catch up on. The rep told me that she could now put us under a new forbearance agreement. All we had to do was make 3 payments of $2,586. Then they would re-modify the loan. The payment amounts they set up were less then are regular payment amount. We made all 3 payments but they were still charging us late fees and each month late again. They caused us to go 6 months behind at that time.

After we made the payments under the forbearance agreement, they served us with foreclosure papers for being 6 months behind even though we made all the payments on time as they requested. They lied to us. They weren't able to help us after all. They took our money, over $8,000.00, and couldn't help us. We contacted the mortgage company in Nov 2009 to see where the $8,000 went because it wasn't showing on our loan balance or on the pass due portion. They couldn't give us an answer.

In Nov 2009, we were contacted by Dustin from the office of the President at Wells Fargo Mortgage division. He told us that they will again review the modification that was turned down by the investors of the bank. That they were putting us under another forbearance agreement and that this time, our payments were raised again to #3105.05 for 4 months. Then the pass due amount would be placed to the back of the loan and our rate would be lowered from 8.25% down to 6.5%. We made all 4 payments totaling over $14,000.00 and after the last payment was made on 3-23-10, we were told on 4-15-10 that the modification went through at 6.5% with a new payment of $3,377.00, 30 years fixed. We were good with that even though the house was still under water. They told me that our first payment was due on 6-1-10 that we had to sign the new loan docs and send in $479.00 by 5-6-10.

On 4-22-10, I called Wells Fargo trying to find out where our loan papers were to sign. The rep told us that on 4-21-10, the loan modification was denied by the bank investors and that he was deeply sorry for our trouble. I asked him where our $14,000.00 went that we had paid to them over the last 4 months and again he did not know. He told my husband that even if we paid the $27,000.00 in late payments and pass due payments, they would still have to raise our monthly payment to $4,350.00 a month. So now in the past year we paid them $19,000.00 and they are still taking our house. They never tried to help us. They just wanted more money from us. Now, we are out $19,000.00, exhausted all saving and 401k money we had and now we have to move out of the house with our 4 kids and we have nothing. Wells Fargo not trying to help people. They are taking a house away from a family that is willing to make their monthly payments. Can someone help us? We lost all our savings and we paid them over $19,000.00 in less than as year and it got us nowhere.

Wells Fargo has neglected to handle my school and county taxes properly. The end result has caused interest and penalty to accumulate with the Tax Department with possible impact to my credit score. Their negligence has also shorted my escrow account and subsequently will raise my monthly payment to make up for this shortage.

I purchased my home on 11/24/09. At closing, the escrow account was set up and payment amount was based on tax calculations with zero exemptions. The previous owner was a retired vet and received several exemptions. Shortly after closing, the mortgage was sold to Wells Fargo.

On February 8, 2010, I received supplemental tax bills. Payment was to be made by March 19 to avoid additional fees. The original mortgage lender faxed these bills to Wells Fargo on 3/3/10 with a request to pay. On 3/26/10, I realized that the taxes were not paid. I called Wells Fargo. They asked me to refax the information. I refaxed the bills, including the original letter from the tax department as well as the fax confirmation from the 3/3 transmission.

On March 30, 2010, a tax payment was made in the amount of $524.44. On 3/31/10, I received a nasty letter from Wells Fargo stating that they do no pay supplemental tax bills; they paid these as a courtesy to me, and in the future, I am to pay any supplemental tax bills directly. As a result of this tax payment, it may impact my mortgage payment once my escrow account is reviewed.

On 4/5/10, I spoke with rep Tim at Wells Fargo, asking for a breakdown on the $524.44 payment. I was told that an investigation would be opened and I would receive a call back within 15 days. I never received a return call. I found out from the Tax Department that the payment was for the supplemental county taxes for January 2010, April 2010, July 2010, and October 2010 for $130.11/ea. An additional $3.90 disbursement was made from my escrow account for the interest that had accumulated on the January 2010 supplemental county tax bill. None of the school taxes were paid nor did they pay any of the interest charges that had accumulated.

On 4/16/10, I spoke with a supervisor (Paul). At this time, I requested that the escrow account be closed and the funds be sent to me immediately. Paul said he would investigate the matter and call me back. Paul called back two hours later and apologized for all of the errors and said they would pay the supplemental tax bills for the school and cover the interest and penalty charges at their expense, close my escrow account, and send me the balance. I could then pay the April taxes due for the county/school.

Upon checking my mortgage statement on 4/21, I found they paid additional taxes but not in accordance with my discussion with Paul on 4/16. The payments are as follows: 4/16/10-$598.55-supplemental school taxes for October 2009, January 2010, and April 2010; and 4/20/10-county taxes-$213.21 for April 2010. They did not pay the regular school taxes for April (paid only the supplemental bills. I have left two messages for Paul to call me. I contacted the Tax Department. The payments made have not yet posted, and they have not received notification that the escrow account is being closed and future tax bills should be sent directly to me.

I will follow up with the Department of Finance to see if the payments are posted and if the interest and penalty has been paid. I have spent countless hours dealing with this situation. As things stand now, regardless of whether the escrow account is closed or not, it will end up costing me money out of my pocket to pay the July taxes that should have been covered by the escrow monies. Because Wells Fargo paid the supplemental county taxes before they were due, funds were expended that would have been put toward the July taxes.

Ideally, I would like my mortgage transferred to another lending institution. However, I do not want to go through the time and expense of refinancing. I appreciate any assistance you can give me in this matter

Did you know that Wells Fargo has a deferred program? Well, I found out six months later when I asked for help after losing my first job--November 2009. I lost my job and my income dropped from $55,000 to $27,000. I have three sons in college and I am a single mom. I asked this company, Wells Fargo Auto Finance if they could help me. They said no, so not long after, I lost my insurance. They put me on forced insurance for an extra $200 towards my car payment.

Last month, a very nice lady told me in our conversation that maybe I can qualify for the deferred program. She went on to explain the program to me then gave me the number. I called the number, but before I could explain my situation, the rep said, "No, no, no. You don't qualify for this program." I told her this must be a scam to get more money from consumers like myself.

Me, a woman that has been asking for help since I lost my job in November 2009 was put on force insurance because I could not afford insurance and my car payment. I'm head of the household. The only way I knew about the program was a nice young lady who was trying to help me find a solution. I think that the deferred program would have helped me. Pushing my payment back one or two months, I would have been able to catch up on my bills and keep my insurance. The most important thing is my credit score and my SUV. Now, I'm about to lose my SUV and I am close to two months behind. Anywhere and everywhere I can put a complaint in, I will.

I, like millions of other people, have struggled in this economy with increased debt and decreased income. I fell behind on numerous payments therefore resulting in collections. To avoid foreclosure on my house, I applied for what I thought was a modification under President Obama plan to help Americans keep their homes. Wells Fargo has misled me to believe my mortgage would be made affordable according to my financial status. I was given a so-called "trial mortgage" which basically resulted in me now owing the same amount I was struggling to pay in the first place! I'm told my payments are now over $6,000 behind and will be added to the principal.

I'm appalled that this was not explained to me in the beginning. I was initially told my mortgage would be $1296.72, now I'm told it is still $1813.43 and they are charging me a late fee. This company has not followed through on anything to help me. I'm basically being led more in debt with no clear way out and basically being told to deal with it. They asked for a financial worksheet twice, I complied. They are promoting unfair business practices and I will continue to complain until a resolution is satisfactory. I am still struggling with debt and possible bankruptcy. Wells Fargo is practicing unlawfully and misleading homeowners to believe they are providing assistance, which they are not.

Had loan modification gone bad, WF did a foreclosure. We filed a wrongful foreclosure and went back and forth in court. I, Linda, had stage 3 colon cancer with chemo treatments also going on during this time. I won the right to repurchase our home and then could not get it due to foreclosure on record. I want to sue them again, our home is sitting in the dark, no repair, no nothing, due to the pushing of Mike, etc.

After going through a 9-month loan modification application process including 3 months of temp. payments, I came out without a government modification, based on deception by employees in the loss mitigation department consisting of advising me not to pay my mortgage because during application my payments were not going to my original note. [Suspense fund] then at the end of the process in January, I received a call from an employee in loss mitigation stating, I do not show enough income.

Now, after being in the program since July 09, which my gross income was in line with the 31 pct. of my mortgage after that call saying if I don't show enough income to show. I can afford program, I will be denied, so I got o.t., sent in new financial information and was denied immediately after. I am now $6550 in debt to Wells Fargo due to missed payments and modified temp. payments. I now have to refinance with someone else obviously, which will add on $4000 more [closing].

Wells Fargo Mortgage Company, its officers and employers are incompetent. Why? Wells Fargo requires flood insurance to match your home owners insurance (fire & theft) up to $250.000. However, they state in their own documents, that flood insurance needs to be sufficient for replacement cost coverage. As a result of their incompetence, individuals are carrying FEMA flood insurance higher than replacement cost coverage. This is wrong and Wells Fargo Mortgage Insurance practices must stop. Please help in this effort by having your flood insurance reduced only to replacement cost coverage and as such save on FEMA flood insurance premiums. Individuals are carrying FEMA flood insurance higher than replacement cost coverage. This could be a class action suit.

Wells Fargo Home Mortgage had an active modification with my home with tax returns and financials submitted on 2/10/2010 and three confirmed trial payments, the first drawn from my bank on 3/1/2010 by EFT. Suddenly, my home was sold at auction on 3/5/2010 without notice as required by state and federal law. I did not receive any certified mail notice, no notice was posted on my door within 14 days and no notice was posted in this county within 14 days. Wells Fargo has betrayed their trust, contract and promise by selling my home while under agreement without proper legal notice. The Wells Fargo Bank where this loan originated is in Sacramento, California where the property is located. The purchaser of the property has given me notice to move. Wells Fargo has not responded as they know they have perpetrated a serious mistake.

Wells Fargo is the lender for my home mortgage. Due to a financial hardship I had experienced, I applied for a loan modification. It took the 6 months to even respond. Then they put us on a trial period to pay a modified amount which was only about 300 dollars less. During that time, I became employed and advised them of that change. Once they were aware, we no longer qualified for any modification and got a bill with all the back owed amounts past due about five thousand dollars. Our account became delinquent for the first time in four years. They didn't care that I had just began working. All they wanted was the money. Every person I spoke to each gave different information, most of which was inaccurate. Now that I am caught up I would like to refinance because my five year arm rate is up in September. But yesterday I was told that I don't qualify for anything because of my late payment history.

This is a very long story. Last year, I was hit financially with the economy crash and I was finding it hard to pay my mortgage and asked if I could be considered for the Hamp Program, which helps to modify mortgage. I was told that I did meet the criteria for the Hamp and was told to pay a trial amount of $883.37 from my original $1,194.28 for 3 months as they try to finalize the modification. Please keep in mind that up until that point, they told me to stop paying the $1,194.28 and pay the lower amount. I was never late or delinquent. I just find it hard to pay my mortgage of 3 yrs. I was sent a financial package within a few days of the initial phone call. I filled out everything promptly as request. I was also given a company that was helping Wells Fargo with consumer credit counseling, which I did faithfully and they gave me a budget and said that I did meet the Hamps guidelines and that Wells Fargo would be calling me later on in the process and they would be keeping me informed. The trial payment started August 1, 2009.

I was told to call in the payment and I did without a hitch, two weeks before the payment was due. As the time went on, I didn't hear from them so I called every month to ask how things were progressing and every time I would call I would get a different answer as how things were going from, "everything is okay" to "we need an update of your financial". I again gave everything I was told to. Also keep in mind, they kept telling me sending in the quote trial payment of $883.37, which I did via phone two weeks before the due date on the first of every month during the trial. Now remember, I was never late or delinquent, just was finding it hard to pay. So this went on and on until the final 3 months ran out which was December 2009. I called again to see if everything was okay and they told me that I didn't qualify and I was refused the help.

Then Wells Fargo found out they had my financial wrong and they corrected it and told me that they had to reprocess it all over again and that I should continue paying the trial payment $883.37, which again I did faithfully. This went on for another 3 months. Again, I would call every month with my bank info for payment the same as the account that I have been paying them from the beginning of my original home mortgage of $1,194.27, which I quote never was late or delinquent. Again, no phone calls from them the whole process.

So I get a delinquent notice and phones calls saying that I am $5,000.00 dollar delinquent and that I needed to make current or stand the chance of losing my house. I could not believe what I was reading and remember no phone calls or notices until this one so I called and found out again that I didn't meet the criteria and I had to bring my account up current or I would be in default .Remember, I was told to pay $883.37 not my original $1,194.27 for all five months. I ask several times throughout this process do I continue make the trial payment and I was told yes. This is all recorded because Wells Fargo makes it a costume to record the call. In the final call, I was told that the trial payment ended January 12 2010 and I had to make it current. I also found out that my last two payments Feb and March was so called returned to them because they had my bank account number wrong by one number. Imagine that after all the years I used the same bank.

Again, no phone call or notice until it was too late to recover. I then went on the internet and found several families that have lost their house because of, in my opinion, Wells Fargo's shady practices. I know you can't believe everything you read on the internet as being valet but when you see thirty and more complaining about the same thing, it warrants an investigation to see if there is a problem. We owe it to the consumer. I found the above 1-800- to the offices of the president that was posted in one of the complaints on the internet and I called it out of desperation and Semir told me that he would look into it and in a matter of a few hours.

I received a phone call from Wells Fargo that they above some other modification which only brought down my payment to $1,085.27, which I was appreciated very much. The only few concern I had was that this ruined my good credit because of the process which they could have told me to continue to make my original payment until I was approved. I took the difference of the $1,194.27 and paid down bill during the trial to help my credit load. I also received a letter stating that I didn't qualify because my mortgage was previously modified and that's why I didn't meet the criteria for the Hamp program which is a complete lie and I have a paper trail to back my complaint up. So I am asking your help in trying to get answers. They will not explain how this happen and why I got this notice only to say it was mailed by mistake.