Wells Fargo Mortgage Reviews

Then, I decided to do the Loan Modification. I submitted all my documents: hardship letter, my Income & Expense report and my check stubs. I contacted them by phone and was told that I would receive the paper work needed for me to fill out in a couple of weeks. During that time, I received a letter that said all my papers had been received and I needed to call before a certain day so that I could be placed on a modified payment plan for 3 months, lowering my payment by $1,000. As the letter stated, I called and the guy did exactly what the letter said.

For 3 months, my payments will automatically be taken out of my account on the 5th of each month, starting October. The first payment was taken out and I received an automated call from "Jessica" saying my paper work was in and I would be hearing from them within 5 days. Since I didn't hear from them, and didn't get the additional paper work I needed to fill out, I called on 10/16. I was shocked when I was told that I was not supposed to be on any payment plan and I asked to speak to a supervisor who was extremely, extremely rude and told me that the late charges will apply unless I could get to a Wells Fargo bank before the end of the day.

I told her I didn't have the $1,000 to complete my payment because I was put on the 3 month payment plan. She said the letter I received was just an advertisement; so I asked how about the Well Fargo person with whom I spoke and who set up my payments? She could care less and just reiterated that if I didn't want to be charged late fees, I needed to make it to the bank before they close. Fortunately, I did have the money. So I left work early and went to my branch to make the payment because that was October 16, the end of the grace period.

Since then, I have been harassed with automated phone calls on my cell phone. They call early in the morning, late at night and on week-ends. I returned one phone call and I was angry so the person got mad at me, and told me that I needed to submit my financial statement. When I asked why and told her I've been a homeowner for a long time and with different institutions, and have never been asked to do that, she stated that other people have told her the same, but this was new and I needed to submit my financial statement every month and angrily hung up on me.

Yesterday, 2/15, I was off work and decided to answer the harassing and annoying phone call, but to my surprise even though I was angry. the girl was very nice and polite. I was amazed! I explained what I've been going through with the phone calls and told her I'm not behind, I have never been late with my payments, so I don't understand why I'm being harassed. This wonderful lady's name is Ashley. She apologized and told me she would take me off the automated call system.

I thanked her but I told her I will never have a mortgage with Wells Fargo ever again. I didn't suffer a major economic damage because I had the $1,000 in the bank, but I was very stressed because the calls are throughout the day and I'm at work; and even when I answered the automated system told me to hold and then the person would come on and give me the speech about "an attempt to collect a debt". I would end up hanging up because the person on the other side didn't get it. It upset me to the point of consistent headaches.

We found out today that they are continuing with the foreclosure even with a contract/offer for the property. Wells Fargo is only interested in their financial gain and not those of their customers'. We had a solution that would benefit us, the buyers, and the lenders, but they are not considering it even though no one else would purchase the property until now. They have been given money from the government to help with situations like ours and unfortunately,Wells Fargo is too consumed with making more money. They are hurting us, the consumer. We are facing foreclosure and a major hit on our credit. A short sale would have hurt our credit, but not as much as a foreclosure.

Every time we dealt with these people, there was a new excuse of why we should either deed over our home or go into a short sale to rid ourselves of our property. When we returned home, Wells Fargo did not let up one bit. Our payments are due on the first, but not considered late until the fifteenth. Faithfully, our phone rang no fewer than five times a day beginning at 6:30 in the morning on the second of the month with hateful representatives demanding that we allow Wells Fargo to take automatic payments from our account. When told that our payments were in the mail on their way to Wells Fargo, the representatives came back with mailing your payment is a privilege we do not have. I responded equally as hateful that until Wells Fargo opened a bank in Oklahoma, they could forget it.

Finally, I removed my phone number from my account, sent in a cease and desist letter demanding that if Wells Fargo had anything to say, they would have to say it in writing. Wells Fargo had a reputation of being a premium lender. We received the best rate for our home at the time, thanks to our 720 credit score but now that Wells Fargo has annoyed our credit reports with a mile long list of 30-day late and nasty comments, we are locked in a constant struggle between the credit bureaus and Wells Fargo that we're going to have to hire an attorney to sort out for us. People may talk about Countrywide being a bad lender but Wells Fargo took the number one seat over the past two years as the absolute worst lender anyone could choose.

Now, they have offered me a payment that is six hundred dollars more than the normal monthly payment. We have been struggling to keep current on the payments due to my wife's parents who require being in a nursing home have caused for my monthly expenses to go up. Due to their declining health they are requiring more and more medication and medical needs, which have caused me more of a financial hardship than we would have ever thought possible. I am now turning to you for help. I have been trying everything in my power to keep current on all my monthly obligations. Please help me to keep my home and get Wells Fargo to do something productive and help save my home. Thank you for your time and consideration. I well lose my home and my in-laws will not be able to live out the rest of their lives in peace.

I began calling in the fall of 2008 due to my concern regarding my high mortgage payment. I stopped making monthly payments in December 2008 - calling, writing letters and filling out applications until in May 13, 2009 I received notification of the trial period during which I made three payments of 970.48 for the months of June, July and August, sent in the provided envelopes. This document states after a successful trial period all fees would be waived.

The missed payments for this period were added to my principal, to the tune of $13,009 as noted in the following document, dated September 08, 2009, explaining terms to be effective October 01, 2009 with payments of 1142.69; paid 9/28 for October check #1857, 11/02 check #1866 for November, #1876 on 12/3 for December, and #1887 for 1113.19 per statement for January 2010 - all of which were hand carried into the local branch office to obtain a receipt because I had no statement. Again, complying completely with the written instructions. During much of this 13 month period, I did not receive monthly statements but made weekly phone calls to check on the status of my application. When I received the September 03, 2009 statement, I was told to ignore it because the loan modification letter was in the mail.

In the past few weeks, I have made numerous phone calls to try and understand why I am now showing a balance due. I am also wondering why a foreclosure fee of 1838.28 was been subtracted from funds paid when I was always told the foreclosure was suspended pending the modification - never being told about a foreclosure fee.

At this point, I need a statement showing the breakdown for the 13, 000 amount added to the principal and details on the breakdown of my 3 trial period payments of 970.48, and the four payments that followed for October 2009 through January 2010 before I can in good faith send February's payment.

Then the phone calls started, 15-20 calls a day, "where's the money?" I tried to talk to the foreclosure attorney in Portsmouth, NH, Flagg Law PLLC. That was a joke. After five months of trying to solve this problem, I hired an attorney, Thomas ** of Sanford, Maine. He was very good. My gripe isn't about him. He took the case that cost a fortune to me. Wells Fargo would not communicate to him either. Months went by with no answer from Wells Fargo. Finally, we went to court and I won the case. Well, it's pretty hard to lose when you have certified checks cashed by Wells Fargo for mortgage payments. So Wells Fargo lost.

Months went by and no answer. I tried to mail in the payments to Flagg Law and they were returned. Not enough money included for payment to Flagg Law. They lost. Why should I pay them? This went on forever. This was getting stupid. I contacted (finally) Elizabeth ** attorneys that hired Flagg law. I explained the situation and she said, "I'll speak to my superiors." After about 7 months., there is still no answer to my attorney.

Finally, on Oct 08, we go to court. I ask my attorney, "Have you heard from Flagg law? No was the answer. I'm starting to get into financial trouble here all brought on by Wells Fargo. In the end, I lost anyway and relocated elsewhere because this has been going on two years and the problem still isn't resolved. I have written more letters to the courts, Flagg law, etc and these are the end results.

On Jan 2010, Wells Fargo gets the house. I've relocated to Mo. What's wrong with this picture? The last letter my attorney sends explains that the banks have laws to protect them. The only excuses I have heard in this case is that they're protected. You can't sue Wells Fargo for being incompetent. They have a lot of cases to deal with. I was paying my mortgage and this is how it winds up, not to mention the credit report and that's only part of the problem. I had my accountant look at this problem; he doesn't get it. I had other banks look at this. Why such a long wait? It's a simple foreclosure. I had friends in real estate try to call Wells Fargo. No luck,does this bank not exist? I've never seen anything like this in my lifetime.

4. Shut the bank down. They need to get their act together and not at my cost. This isn't over. Wells Fargo can sell the house. It's not in that great of a town anyway. I tried to work with the bank and you people take forever to do anything to try and solve it. I'm out $80,000 and you're out $164,000 and this seems to be all right with them. And when Wells Fargo can't make it, go get a bailout from the government. What kind of system is this?

These people have actually said they will continue calling me until I pay them. How can I get a job when they tie up my phone? How can I answer my phone in a manner which impresses potential employers if I answer with masked anxiety each time wondering if this harassment is going to reveal yet another phone number from which to stalk me? None of the representatives of this company have given a name but instead asked who they are speaking to and then begin to bully and threaten as if I am a criminal rather than someone suffering alongside 14% of my state during the worst economic recession since the Great Depression. Is this how American-lending agencies do business after we bail them out with our tax dollars?

It turned out that I did indeed owe back this money. It was explained to me by Ms. Ruther, Floor Supervisor, that when I was denied, I owed another full month's mortgage plus the $94.56 for the three months of reduced payments. They kept using each reduced month payment to pay for the one before and that is why I owed so much back. I read over the paperwork and found nothing to indicate that if I was denied, I would have to pay back hundreds of dollars, $409.74 to be exact. Plus I was threatened with late charges and a bank official called to remind me that I owed this money now, and if it wasn't paid by a certain date, I'd be late and more charges would be owed. I read all the information sent to me.

One piece of information said "since the installments may be less than the total amount due, you may still have outstanding payments and fees". This would indicate to me that I may owe back the $94.56 from the three months of lower mortgage payments. It also says "your remaining trial period payments set forth in the Trial Period Plan should be sent instead of, not in addition to, your normal monthly mortgage payment". I did exactly what was required. Had I known that they were going to turn around and charge me all this money, I would have simply kept paying my regular monthly amount of $315.18. I did as they instructed me to do. The reason why I applied for the rate modification is because I am in a financial hardship. Why would they turn around and charge me over $400 and put me in a worse financial crisis?

This is cruel and doesn't make any sense at all. Are they taking advantage of a person in a very vulnerable situation? I continue to receive mail from Wells Fargo Home Mortgage stating that they are sorry that they could not work out the rate modification, but I should contact them so they can see if they can work out another plan for me. Not likely! I do not trust that they would work honestly to help me. I faxed and mailed them a complaint letter on January 6, 2010, requesting that they reevaluate my situation and what they say I owe. I have never been late on a mortgage payment and my credit is excellent. There is no reason why I should owe this money back, when I followed their instructions. I would very much appreciate any support you could lend. Thank you.

I was contacted by the Wells Fargo Home Modification representative and filed the papers for home modification after being threatened with foreclosure. We have lived in this house 31 years and that was very stressful thinking about losing our home. My husband began having medical problems as did I. I told the Wells Fargo Rep. that our home was not worth what we were paying and if they were going to sell it for a loss why not just reduce our amount to the amount they could get for it and let us continue to pay for our home. He tried to explain that the property values in '06 justified the loan amount and I explained never was our home worth that amount and feel we were scammed with the appraisal.

Needless to say, he didn't like that remark. Our payment was reduced due to the adjustable rate and I contacted Wells Fargo again because we were told we could lock in the rate when it dropped. The representative advised that no we could not without a refinance and our credit was not good enough now. He also stated that if they foreclosed, we would be responsible for any remaining balance if the home did not sell for the amount owed. I informed him that the home would never sell for that amount even 10 years from now, as we are in an old area of the county.

We feel they have us over a barrel with the upper hand and they know this. Many times I would like to just walk away but we have never filed bankruptcy or had a foreclosure. We have great jobs, just like a lot of other people, everything went up but salaries. My husband and I have full size vehicles that are paid for and unfortunately are gas/diesel guzzlers and we commute 54 miles to work and work separate shifts so our fuel bills are a major expense. The Wells Fargo rep. told me we should trade vehicles for more economical ones. I explained that with our credit score that is not an option.

I believed we were scammed on the appraisal and how many others in this area have also faced this problem? The local paper is full of Wells Fargo foreclosures. Someone needs to investigate them. The representative told me that no one forced me to sign and he was correct; however, I expected Wells Fargo to be a reputable company and now have serious doubt.

We are struggling to pay and now with the adjustable rate lower we are trying to catch up. I explained to the representative that we really needed to lock in the new rate as a fixed rate which we were told we could do after having the loan for 3 years, but now they are telling us we don't qualify due to credit score. So when the rate begins to climb, we will be right back in the same mess. This is all the fault of a high appraisal and if anyone checks the selling prices of homes in our neighborhood from 2006 to present, it will show that this appraisal was outrageous.

For what we are paying for this home, we could have a beautiful home in a nice subdivision that would be worth the money. We feel we are throwing money down the drain. We are not wanting to walk away or have them foreclose, we just want a fair value on the home. We will never be able to sell it for what we owe, not in our lifetime. Wells Fargo seized the opportunity to use their resources and jack up the appraisals. When Wells Fargo forecloses on a property they take a write off/loss for tax purposes and also charge the owner with the balance.

Talk about double-dipping. We realize there is no hope for our situation. As for the modification, I believe it is a lie also, because we haven't heard anything and it's been since October '09. I've heard all the talk about cracking down on how banks loan money, so this will be Wells Fargo's next reason why we can't get a fixed rate. No other bank will finance because it will never appraise to the amount we owe. Someone needs to review Wells Fargo and contact some of their foreclosure customers and I'm sure the real truth will be exposed. Thank you so much for your time.

Two weeks went by after we received the disclosure paperwork and returned, and I called to find out about the process. I was told that the loan was cancelled due to incomplete application. When I called back, I spoke to a Cheryl and she told me that it was noted as incomplete application because they had the wrong social. They had the same Social Security # for both my brother and I.

This Cheryl lady said that they will investigate and call back right away. Two days later, after no call, I called back to check on the status and there was no answer. Finally, a third person answered, sent an email to Janet and asked for a reply. Janet sends out an email saying that the application was declined for other reasons--when two people say it has been cancelled for incorrect Social Security number.

On the 29th, I decided to go online to Wells Fargo and make a payment to avoid being reported to the credit bureau. I scheduled the payment to be taken out on Dec 31st. On Monday, Jan 4th, I called the online support and the mortgage branch, concerned that the payment had not been deducted from my account. I told them I was refinancing and I was told not to pay it because of the holiday being on a Friday, they would have not processed the payment until Monday. I called everyday trying to get to the bottom of it.

To make a long story short, the payment was never taken out. I was told by one agent that was supposed to be helping me that his supervisor said I never paid it online. I'm trying to research if there may have been a computer glitch that would have caused the problem since the year and decade changed. They could have looked at my payment history and seen I had never been late before, but no one there was willing to help me resolve the problem. The online tech said they couldn't see any activity and the mortgage agent said they couldn't see any activity until it processed. Unbelievable how dedicated we are to them and the lack of compassion or helpfulness has caused a lot of problems!

In our case, I guess it was a good thing that they only responded by email. We've kept a record of their ongoing inconsistencies and poor performance. We have also had one specialist be very unprofessional and call us a "pet" name, rather than referring to us by first or last name. Again, as many others have stated, we are very unhappy, frustrated, etc. with their service. And BTW, we are not finished with the process and they are now telling us nothing.

On January 8, 2010, we called again, and they said, "Well, the lady who handled your case no longer works here. We never received any papers stating why you didn't qualify for the refinance and no papers were sent to us." We called the main corporation, and they stated that they did send the papers. We believe that the lady who handled our case never submitted any papers.

They also raised the payments of the home, after we tried to refinance to $1700.00. No one called us, unless we called them. We haven't heard from no one from Wells Fargo. Please help us.

I applied to the program this past spring. I was surprised by the seeming lack of internal communication at the company and their system of customer service. I would fax my documentation, their requested method and call to confirm receipt. I would be told that they received my information and that they would contact me if anything else was needed. I received a letter saying that additional documentation was needed. The documentation requested was a duplication of what I had already sent. I called customer service and they told me that it looked to them like everything was in order, but that since it was requested, I should re-fax their requested information. I did so, making sure to include the cover sheet showing the date of my initial fax. I then started receiving automated phone calls (they have a computer system that automatically dials customers and the poor customer service rep has to figure out the reason for the call while it's dialing).

I would answer and the rep would tell me that they were calling because the system was telling them that I had not sent in the required documentation. I would tell them that I had already sent in everything that was requested of me, twice. Upon further review, the rep would get confused as to why the computer dialed me as it seemed that they did have a record of receiving all required documentation. I asked that they stop calling me and was told that a note was made in their system for this to happen. Despite this, I continued receiving these phone calls to the point that it seemed pointless to answer them. So I stopped and after a week or so, they stopped calling me. I then found out that instead of calling me, they started calling the home phone number of my in-laws. How they got this number or why they called it is a mystery to me as my in-laws have nothing to do with my mortgage.

After learning about these calls, I called in and requested they take that number off of my record and use my phone number exclusively from then on. My in-laws stopped receiving calls and my wife started receiving multiple calls per week. I called again and asked to speak to a supervisor, who I demanded remove all phone numbers on my record except mine. I also asked if there was anything they needed from me, to which I was told that they had everything they needed and a decision would be made about my modification shortly. In early July, I was informed that they had agreed to modify my loan and that I would start the trial period that month. This trial period would last for July, August and September, at which point they would make a determination about my loan going forward. They gave the impression that I would have an answer in October. I stayed current on my payments, never missing a trial period payment and never paying late.

After the trial period ended, I continued paying the trial period amount monthly according to the advice of customer service. In late October or early November, I was contacted by Barbara at Titanium Solutions, www.titaniuminc.com. Barbara said that she had been hired by Wells Fargo, at a considerable cost, to meet with me in person and collect my documents, which she would then send to Wells Fargo through certified mail. I spent an hour with Barbara putting together the same documentation that I had already sent in and received confirmation of receipt. Through my meeting with Barbara, it became clear that Wells Fargo was not the only company that was outsourcing to Titanium and that a critical mass of Barbara's customers had also sent in their paperwork multiple times. Barbara let me know that she had sent in my information and I called Wells Fargo to confirm receipt. I was told that because my trial period was over, I should hear from them shortly regarding the future of my modification.

It is now late December and I just called in to make my payment for January, the 7th month of my trial period. The customer service rep I spoke with said that she would issue an escalation, which should be handled in 7-10 days. After which, I should call in and inquire about the situation. They would not be calling me, I had to call them. This week, I also received a second letter from Titanium Solutions, as if we had never spoken before and Wells Fargo still required documentation. When I called Wells, I was told no documentation was required. My understanding is that mortgage lenders like Wells Fargo are basically being forced by and subsidized by the federal government for the HAMP and HARP (refinance). I would assume that the money being spent on Titanium and other similar vendors is also coming from federal tax dollars. If this is true, it is either wasted tax revenue due to the incompetence of the lender or outright fraud.

What makes this situation most frustrating is not the terrible customer service, the harassing phone calls with no purpose, the seeming inability of Wells Fargo to communicate internally or create a system to keep track of information or their unresponsiveness and lack of decision-making, it's the fact that I have no consumer control over the situation. I did not seek out Wells Fargo for their services, they purchased my mortgage from my original lender, Leader Mortgage, www.leadermortgage.com. I did not choose to work with this poorly run operation or buy in to this mess. I would appreciate any advice or aid that might be appropriate to remedy my situation or prevent future homeowners from experiencing a similar fate.

Days later, they said that all documents were back at the modification department but that they weren't correct and needed to be all resubmitted differently again! At this point, I have received and documented that all documents were correct by Wells Fargo and everything was in order. But they won't modify the mortgage loan. I am 100% convinced at this point that they do not want to modify the loan and just keep the property and that they will never modify the loan! It is shameful to me that a bank does this to people!

We are still paying the trial payment, which it is affecting the balance on the account. Recently, they said that were are not qualifying for that loan and they are changing it to a newer loan. We had been dealing with WF for over 9 months and each person has a different saying, some of then even hung up on me or my wife. They are so stupid, rude and ignorant that they can't even do a basic compound interest to resolve a regular loan. We are still dealing with WF to try to keep the house, which it is becoming a better option to sell the house just to get away from WF.

Someone needs to get fired, including managers that allow their employees to be rude with low customer service. Whether they like it or not, I am paying their salaries. I also feel that filling a report with the BBB or any other agency is nothing but a waste of time as they don't do anything. They only collect the information for others to read. Even knowingly, if anyone get a loan, any company can buy it from the original company without any consent from the person that requested the loan.

They are bad about returning calls; they just keep calling and wanting more information, which I gave them. Still, there's no solution. The latest event is a local TV station got involved and the company sent 250 employees here to resolve many of the problem mortgages. They were supposed to send letters to all people with mortgages that are in trouble. I never received it. I contacted the phone given and spoke to a lady, and she gave me another person to speak to and advised me that if I didn't hear from someone within 24 hours, to call her back. Someone did call me, and I was told that I would get a 1% for 5 years and then revert back to 7%, which is where it is now. I was told that I would have to wait 5 to 7 days for the title check for any liens. My payment would be $811.00 for 5 years starting on December 1, 2009.

Since then, I have not been able to reach the person in charge of my account. Now, I'm getting letters of foreclosure. Every time I call the said individual, all I get is a recording he is in the office but can't answer now. Also, it said to leave the loan number and good phone number and he will return the call. That's been over three months now, and still nothing. People like us need some help with these idiotic companies.

Apparently, the seller knowingly listed the property as a townhouse when indeed it was technically a condo. I am learning that the approval process for getting a home loan is much different for condos than it is for a townhouse. I am also learning that the staff at Wells Fargo had been trying to pass through this loan paperwork (with the property being listed as a townhouse), which kept on getting declined by the title company. The title company told them repeatedly that this loan will not go through as is because the property is indeed a condo.

Now I am finding out just how much advance notice Wells Fargo Mortgage had regarding this issue. If I would have known this information when they found out, rather than the evening before closing, I could have certainly come up with some fallback type of plans. The explanation I received from the Wells Fargo branch manager was disappointing. He basically told me it was out of his hands and placed the blame everywhere else, but his office. It took me driving down to their office in Eden Prairie, MN to finally get some communication from the staff. They apologized and offered to cover the appraisal fee on the next home I'll peruse. This compensation offer is completely insulting.

I have been given too many inconsistent reasons as to why I don't qualify. I was even told my payments were not reaching them in a timely manner. I tried to outsmart them by watching my postman postmark the dates on my envelopes and then I made copies of these post-markings to prove my payments were indeed mailed. Boy, did Wells Fargo not like it when I told them the lengths I went through.

I proceeded in reporting them to the Better Business Bureau, and when I first made contact, the first thing out of the rep's mouth was, "Sounds like Wells Fargo Bank," without me even having a chance to mention whom my complaint was against. I also spoke to the attorneys who were retained by Wells Fargo to foreclose on my home (I am still making monthly payments, mind you.) and the legal personnel just laughed and agreed they had shrewd business practices. I recently re-married someone with decent credit, and they won't allow my spouse to re-finance the loan or to be added to it. They sure are customer-friendly, aren't they.

Now mind you, on this so-called help program, they have messed up my credit by mistake and reported me late in March 2009 on two of my credit reports and April 2009 on one. When I found this out, I called them immediately and they sent me a letter on 5-26-09, at my request, for them to review the tapes and they did in fact as my notes stated on the specific dates that I was not going to be reported late. So they sent me a letter apologizing and it stated they would fix it. After a month or so, it was never fixed. To this date, I have faxed them copies that they confirmed receiving of my credit report and my complaint over the phone. Then I disputed it as one of their reps told me to do. They have ignored my request.

Now I checked my credit again a few weeks ago and now they have me down for two months late, 30 days. This is fabrication and I can prove that I have never had to pay a late payment nor paid late, and I can prove that and they know it. I have every record on file to set up a lawsuit against them. On December 5, 2009, I received a notice of insufficient funds because Wells Fargo went into my checking account and requested $775.00 payment. Mind you, I owe for the month of December only and never late. I pay them over the phone by check, never did I ever, under this moratorium program, authorize them to automatically debit my checking account. That is why I am complaining. They have now messed up my checking account and have never tried under this program to do that before.

Now that I sent them the letter via fax and have confirmation that they have received, now they are using illegal means of messing up my credit as well as my bank account. I am going on Monday to close this account so this will never happen again. I have been told on two occasions by their reps, and I have the date, time and who I spoke to, who stated that they are going to reset my loan. One person did verify that my payments are up-to-date and that I do not owe the balloon payment of $6,000+ in December. I told them that I did not sign anything. I was told that they will reset my loan for more affordable payments and now they have done this to me. It is illegal. I am stressed out about losing my home. I have made every payment to them in full while under this program and can prove that.

I know that I am being discriminated and harassed by them, and being treated unfairly. I have history that shows that my payments were made in advance. I am seeking an attorney, who is affordable, to fix my credit and my reputation and whatever I have to do. This is unfair practice and treatment to a good standing customer. One of their reps told me that they have to show me a month behind so they can reset my loan. I specifically asked her if this would affect my credit report and she said no. It has and this is the 2nd time this has happened. I was specifically told that they would not my account with the credit bureau, but they will not show late payments. But even if they did, I have never been late! Otherwise, why would I have not been charged a late fee? I want justification and I want it fixed now. I am not stopping at this letter. Trust me.

I asked for a supervisor and that was a mistake. Angel, the CS supervisor, proceeded to tell me she won't have a conversation because I'm trying to talk over her. When I asked what happened to the check that has cleared, she told me again that she won't talk to me because I disagree with everything she says. I have records to show that they sent me 3 statements from Oct. 23-29 in reference to my check received in October for November 1 payment. When I got the 3 statements, I called and asked why was the payment reversed and why did one show an amount not paid. I was told by Cha on November 12 that it must have been a system problem and that my payments were up-to-date and no problem. Well I'm thinking that's where my problem started and why the last payment is showing up late.

When I tried to explain that to Angel and get her to look at my account for October and see what happened, and if that was indeed the problem, she told me she can only see my account for the past 3 months. This conversation took place on December 2. Doesn't October fit in that time frame? When I asked Angel that, she again accused me of trying to talk over her. The conversation ended with Angel supposedly sending me a copy of my account for the year and I have to pull all my records for the year. None of my statements through the last 3 received in October show me having an overdue payment or late charges being applied.

In the meantime, I sent with my own note attached my January 1 payment but apparently, they will see that as a late December payment. When I asked to speak to whomever was above Angel, she gave me another name. I understood her to say it was their lawyer. I left a message for a call back, which hasn't been received at this point. What worries me is the last time, about 2 years ago, when I was one payment late, WF started foreclosure proceedings for the one payment and it cost me around $2,000 in lawyer's fees to resolve the issue. I can't afford that again, but yet I see it developing again that I can't win even though the facts are on my side. I have the 3 statements from October that show something was done to my account 3 times even though one payment was made (2 weeks ahead of time).

So we waited again because they had to reassign it. Again, we talked weekly. Then four months went by, and I received a letter saying request was closed because they didn't receive the documents. So I called and never got bank statements. Their answer was foreclosure's in the background still and so we could restart loan mod again. So now we're doing short sale but have to do loan modification process before the short sale. Auction is on December 21, 2009, and well, they will have all documents for it.

On top of that, they tacked on what I hadn't paid for those eight months to the back of the loan and basically refinanced instead of modifying! It was a good rate (5.125%), but our payments are still only $30 less than original and we're locked in for 30 years again! I signed the paperwork, fearing that they would take my home if I didn't. Now, I may be stuck with owing much more than my home is worth. I didn't think it was legal to finance a home for more than it's worth, but maybe I'm wrong. I never talked to the same person twice during the entire year I was dealing with them! I don't understand why they can't arrange for one person to deal with a certain amount of customers, like a case worker. I may end up having to file bankruptcy, but I plan to contact Wells Fargo again to see if something can be done.

Several phone calls were made over the next month to ensure all paperwork was received, and repeatedly, we both were told that our file was under review and to keep checking back but that nothing would be done until the review process was finalized. In April, we received a letter about the possibility of foreclosure and once again called to follow up with the status of the review. Then we made a payment of $1,020 and were told this would be a down payment toward the repayment option and to wait to hear back regarding payment arrangements. The check cleared on May 1, and we waited for a letter from Wells Fargo on what steps to take next. On May 11, we called to follow up, only to be told that we did not qualify because no paperwork had been received and have copies of when it was faxed in March but that they would try again if we resent all the information, which was done. By the end of May when nothing was sent, I then called to ask what the status was and was told that the file was still under review and to check back. I then asked about how I could make a payment and was told to try back in a couple of days.

On June 17, I finally received a letter from Wells Fargo stating they had not received any information on our file and payment arrangements would not be made. I immediately called to find out why and how this could happen based on my repeated phone calls. At that time, I was told we were in foreclosure and the $1,020 payment was never applied to my account. In addition, I was told I would need to make a payment in the amount of $3,381.40 and that would bring our account current to take us out of foreclosure and remove the short sale/liquidation. Two days later, I called back to ensure the short sale was removed and was told to try back again. I then called a couple of days later to be told the same thing. After a week of calling, it was finally confirmed that the short sale had been removed and that a repayment plan with the option to retain was pending and that if I wanted to make a payment, I could at one of the branches. I then took a check to Wells Fargo for $1,000 to apply to the account, only to be told they could not take a payment on this account but would make the check, which was done on 6/25/09.

I also asked what it would take to make all this go away and was told to pay $2,292.80 by July 11 and that would bring the account up to date and another payment would not be due until November 1. Financial statements were requested, which were faxed with a note requesting if more information was needed, to please contact me. Nothing was heard for another couple of weeks, and the payment of $2,292.80 was made via Western Union. After a couple of weeks of not hearing back, I called again only to be told the payments made were in a suspense account and had not been credited to my account and we were still in active foreclosure. Once again, the calls continued only to be told something different each time. When we asked how to make a payment or get this handled, no one could tell us. Numerous letters and faxes have been sent, not to mention the phone calls and hours spent on hold getting no answers.

This process started back in March with us trying to resolve the issues and work out the circumstances to take care of business. It has only been met with delay and misinformation time and time again. I am not trying to make excuses for us falling behind and have attempted to bring the account current. However, with this type of treatment, no wonder so many people are having a hard time catching up. If Wells Fargo would have followed through with the first request and responded, we would not be here today faced with this large amount due plus attorney's fees, which I do not feel are fair based on the documented contact with Wells Fargo since March. I am still trying to pay to bring this account current and still cannot get a straight or consistent answer from more than one person. Even in my last call to Wells Fargo last week, the representative mentioned not understanding why this account went so far and accrued attorney's fees based on the call history and payments made.

Now, I am basically being blackmailed into either signing a loan modification that adds 15 years and $14k to the basic loan or paying the outstanding balance plus almost $3k in attorney's fees or be foreclosed upon. I have agreed to pay the outstanding balance, as I have been attempting to do for months; but I am being told that if attorney's fees are not paid, then the foreclosure will proceed. However, details regarding attorney's fees and why I should be responsible based on documented history and attempts to pay are not being provided.

I called in Wells Fargo and sent a new modification (so-called relief), stating what was owed before. And now, the new terms interest went down about 1%. $11k late fees and all other back payments added to the back of the loan, not interest-free, mind you. Most of this money was already interest. And now, I have a new 30-year mortgage for more than I paid for the house five years ago, mind you, in a good market.

I called Wells Fargo and said this is unacceptable. Wells Fargo in short simply said take it or leave it. Now since I fall on hard times, I will pay $8336.22 more for this house, when today it is worth maybe $60k. I owe $107k. I asked them about this hope for homeowners program, and they would not talk to me. I owe the back payments for sure. There's no dispute there, but I do not expect to pay more money now for the house than when I bought it 5 years ago. The money I owe was interest and should not be costing me more interest over 30 years. What can I do about this? Thank you for your time, and I look forward to hearing from someone soon.

However, approximately every 30 to 45 days of this loan period, we receive repeated bills for $2,225.00 for "lender-placed cover." Every time, I then call this lender and re-explain the existing documentation (which is always confirmed). There's frustration in receiving such repeated bills and incorrect statements (not to mention, the money on postage and paper that is wasteful and costs the consumer more in the end).

I am on my 6th notification and 6th phone call with this bank. Each call re-affirms that they have our insurance information on file. Each phone call ends with their promise to mail a cancellation letter for the lender-placed coverage. Each time, I then receive another bill and another policy. This is nonsense, and no one needs threatening bills in the mail on an every 30 day basis. Wells Fargo has a terrible customer service process/result for monitoring insurance requirements.

We have complied with all the documentation required to be considered for the HAMP program, and have confirmed that those documents were received on 10/7/2009. On 10/11/2009, we received three letters from Wells Fargo: (1) stating that our loan was going to be accelerated; (2) a letter insinuating that we have not been in any contact with Wells Fargo to discuss our financial situation; and (3) a letter stating that we were denied loan modification. These letters contain conflicting subject matter, and are extremely confusing. Contrary to letter 2, we have been in constant, documented, contact with Wells Fargo prior to and during the Forbearance Agreement and HAMP approval process. It seems that there is a disconnect amongst the Wells Fargo departments and the left hand does not know what the right hand is doing. As such, we have no confidence that Wells Fargo is truly trying to help us.

Today, I spoke with a customer service representative who told me that we were not approved for the HAMP program because our mortgage payment is 31% of our net income. The financial documentation that we presented in our application clearly states that our mortgage payment with Wells Fargo does not include insurance and taxes. As such, they are using a number of $1,540.17 instead of $2,061.08, which includes principal, interest, taxes and insurance. Our housing payment is almost 45% of our income. Furthermore, when I was explaining this to the customer service representative, she hung up on me. I was very amicable during the whole conversation, and she hung up on me. I know they record all conversations, so there is evidence of that.

What kind of organization, who has read our financial hardship situation (see attached) and agrees to forbearance, demands money earlier than agreed? Furthermore, what kind of organization declines Home Mortgage Modification when our documentation clearly states that we meet the HAMP Program Guidelines? My health is now suffering from this recent turn of events, and we have drained all of our resources trying to keep up with our payments in good faith. Now, we are forced to drop essential needs like our health insurance in a time where I just received a borderline EKG report on my heart. This process is literally killing me! We were never offered the HAMP program initially, although we were clearly prime candidates for the program.

Having us come up with a large amount of money earlier than the agreement we have signed with Wells Fargo is not acting in good faith. In addition to our present hardship, we are forced to go into further debt by paying $6,160.68 prior to our agreed upon due date. It is apparent that scare tactics (i.e. Mortgage Note Acceleration) and inconsistent correspondence are a means to get the money owed. We are small business owners and are trying to keep our business running, so we can continue to meet our obligations. Let's not forget that small business has been the backbone of the United States of America for years! We have deduced through Wells Fargo's actions that they really do not want us to participate in the HAMP program, and I encourage SIGTARP and the media to investigate this mismanagement and misrepresentation of assistance.

There needs to be a system of checks and balances for the people who are enduring this financial crisis and who are being treated contrary to the intentions of the HAMP program. It appears that Wells Fargo has taken the monies from the Federal Government, but is not using those funds to help those of us in true hardship. Sadly, when I spoke to the SIGTARP representative, I found out that all we have on the government end is a toothless tiger, as they are not in a position to do anything to the loan servicer; that is, the banks have incentives to help us, but they do not have to.

We have not missed one payment since 2006 and found out that the end of the line is approaching. Meanwhile, Wells Fargo could care less. As a taxpayer, I am appalled that my hard-earned tax dollars went to bailout thieves like this bank and many others. Meanwhile, all we hear is about how much money they are making and these huge bonuses they are paying themselves. Simply unacceptable and outrageous!

I feel they have been less than truthful and need to recognize the agreement that was signed by both parties. I talked to their rep about the paperwork on 9/24. I called on 10/9, and they said the paperwork was in the mail and I have to start all over. You have to be kidding me. Those people are nuts. Do they really think I'm going to allow them to push me out my house. PS. I need help. ASC is trying to screw me, and I'm sure they are doing the same thing to other people.

Again, I reminded him that I needed cash back to pay bills or it would not be an option for me. He then emailed additional documents, which I promptly completed and returned. I also mailed a check for $400 to cover expenses for the appraisal. On March 4, 2009, I was contacted that they had received the documents and check. I was advised that the appraiser would be coming from out of town, from Tulsa. I also received an additional disclosure that day from Stephanie **, Mr. **'s assistant, which was again promptly completed and returned. On March 24, I completed and returned FHA disclosure documents and explanation letters. Again, on March 31, I responded to further documentation requests. I was told to get a termite inspection on April 4, 2009, which was again promptly done. It was at this time that I was also informed that two appraisals would be required. Two appraisals were done on my home; one by an independent from Tulsa and the other a representative from FHA.

I have never understood this, as regardless of the results of the first appraisal, they were required to use the FHA appraisal. So why did I pay for the first one? At this time, I had not received any information about the appraisals and again questioned Ms. ** about the results and if I was going to be able to reach my goal. I realized now that I should not have allowed the termite inspection without first seeing the appraisal results. But I was trying to move forward with the deal. After again not hearing any news, I called to inquire about the appraisals, and reminding them that I could not go through with the deal if I couldn’t pay off some bills as a result. I did finally call and was then told that the appraisals came in lower than expected. I was very upset by this news. On May 18, I received two appraisals via email. I did not receive a call or any explanation. I studied these appraisals very carefully, and was not at all happy with the locations selected as comps for my property.

Several that were used on both appraisals were in very undesirable parts of town, on homes that were the highest priced in those neighborhoods. The appraisals came back at $70,000 from the independent and $66,000 from FHA. As a result of these appraisals, Wells Fargo would only loan me on the $66,000 amount. I had originally told them that in order for this to be worth the expenses I would incur, I would need the appraisal to be between $72,000 and $75,000. It was also on May 18, 2009 that I contacted Wells Fargo to dispute the appraisals. Mr. ** told me that there wasn’t much chance of the appraisals being overturned. But he told me to research and find some other comps which I thought were more comparable to my home and neighborhood. I thought this would have been his job, but I did a huge amount of research and found other comps that could have been used.

I should mention that for some time I had gotten the impression that my small refinance was of no consequence to Wells Fargo. I don’t believe they ever put any effort into the project because it was not a big money-maker for them. On May 21, 2009, I sent Mr. ** numerous reasons to dispute the appraisals, as well as additional comps for properties more similar to mine and in neighborhoods more similar. I had no further contact with Wells Fargo or Mr. ** until July 2, 2009, when he sent me a copy of the response to the dispute. Again, I did not receive a call or any explanation for the results. In reviewing the denial, I realized that Mr. ** failed even to submit the correct new comparables as part of the dispute, but instead submitted a location from the original appraisal. There are several reasons why I have disputed the appraisals. One comp, ** Fresno, did not adjust for brick. This would add $5,000 to the adjusted price she calculated. Not really her fault, as her info indicated the house was brick.

The comp at ** Fresno has the same issue with brick adjustment, which would add $5,000 to adjusted price total $71,500. In addition, she did a $10,000 deduction for condition on this one, good vs. above average. This cannot be correct. I have supporting documentation to support this claim. Most of her comps were active listings. Based on what I see, she missed two good comps: ** Fairview and ** N Irving. Overall, this whole project has been a nightmare of no communication and non-concern by the representatives of Wells Fargo. I have lost valuable time, and have paid for an appraisal and termite inspection and have nothing to show for it. Mr. ** has not called me since and I have not tried to contact him. I did receive a call from the termite inspector and was informed that Wells Fargo said the inspection would be my expense. I don’t think I could have been more fair and straightforward with them from the very beginning.

Their delays and failures to conduct business in a reasonable manner have placed me in a very difficult financial situation. I have copies of all documents I have mentioned and have retained all emails related to this situation. I will be happy to discuss this situation with anyone else. I don’t feel that I should be responsible for the cost of the termite inspection or the appraisals based on the company’s failure.

There are overwhelming evidence proving that Wells Fargo Bank and Rels Evaluation are systematically forcing real estate appraisers to inflate property value. Here is what happened: We purchased a property in Reno, NV in August 2005 for $718,000. We put 20% down payment and applied for a mortgage loan of $560,000 from Wells Fargo Bank. Wells Fargo Bank contracted with Rels Evaluation to appraise our property. The appraisal value came in as the purchase price $718,000. In June 2006, we found out that Wells Fargo's original appraisal report done on our property, ** Chipshot Trail, Reno NV, was fraudulent, and contacted Wells Fargo Bank right away. Wells Fargo Bank promised to investigate by ordering a review appraisal and informed us that if the original appraisal was proven fraudulent, Wells Fargo Bank will help us to rescind the contract and recover our losses.

In July 2006, we filed a complaint against the appraiser ,T.J. ** with the appraiser association and the Attorney General's office in Nevada. In August 2006, Wells Fargo Bank got its review appraisal report and initiated its cover-up and refused to carry out its promise. And further, they refused to have any conversation with us and challenged us to report them to OCC or file a lawsuit. Wells Fargo did not even send us a copy of the appraisal review that it promised us. Later with the help of Senator Feinstein's office, we found that Wells Fargo's appraisal review was $475,000 or $235,000 less than our purchased appraised value of $718,000. In August, 2006, we contacted OCC and filed a complaint. OCC promised to investigate and regulate Wells Fargo if proven Wells Fargo was conducting predatory lending practices.

However, after OCC obtained both of Wells Fargo's original and review appraisals, and it informed us that based on the two Wells Fargo appraisals, the value difference between the original and review appraisal didn't make any difference and should not cause any financial damage to us. Furthermore, OCC refused to send us a copy of the appraisal review and stated that it lacked authority to regulate Wells Fargo Bank, which left us with no alternative but to file a lawsuit. In November 2006, we contacted Wells Fargo Bank senior management who told us that there was no value difference between its original and review appraisal. Wells Fargo Bank would not help us. If we were not satisfied with its response, we had to file a lawsuit against the bank. In March 2007, after the clear indication and indifference from Wells Fargo and OCC, we had no choice but to file the lawsuit against Wells Fargo Bank, Rels Valuation and appraiser, T.J. **, for our financial damages caused by its fraudulent appraisal.

In July 2008, Attorney General’s office suspended T.J. ** appraiser license due to its fraudulent appraisal done on our property. After we obtained Nevada Attorney General's judgment, we forwarded it to OCC right away. This time, instead of telling us that there was no value difference between the original and review appraisal, OCC came up with a new excuse not to regulate Wells Fargo Bank's predatory lending practices. OCC told us that our case was now in litigation, and that it was not be able to make any comments. In March 2009, with the overwhelming evidence, to our shocking surprise, the Reno superior court judge awarded not only Wells Fargo Bank summary judgment despite its predatory lending practices, but also awarded the summary judgment to a convicted real estate appraiser, T.J. **. On top of it, the judge also allowed Wells Fargo Bank, Rels Valuation and convicted appraiser ,T.J. **, to seek their attorney fees against us.

Who are the true victims? Where is justice? Where are the watch dogs for the security of the American general public? It's obvious that OCC and Reno superior court judge are not exercising their duty entrusted by the American general public. The house next door to ours at ** Chipshot Trail is larger than ours and has one more bedroom, one more bath and 2,094 square feet is in contract for $330,000. Another house on our street of 2,553 square feet is also in contract for $320,000. Our home is 1,879 square feet, 3 bedroom and 2 baths. OCC had 10 months prior to our lawsuit filing to investigate our case but they sided with Wells Fargo to defraud and victimize us. It's obvious that OCC is incompetent in enforcing their duty entrusted by the American general public. During our four-year ordeal, we have been constantly pushed away from our "regulatory agencies" claiming that there was nothing that they can do to regulate Wells Fargo Bank and Rels Evaluation.

At our second settlement conference, we were told by the sitting judge that "you can talk to your senators and congressman as much as you want, I can assure you that nothing will be done for you. You are better off to accept $10,000 that Wells Fargo Bank is willing to give you and put everything behind you, move on with your life." We were in shock. How can the sitting judge and Wells Fargo Bank be so sure our Congress will okay its predatory lending practices? Please help us get out of the sad situation. Wells Fargo Bank threatens to take away all our assets if we default on the mortgage loan even though we are victims of its fraudulent appraisal and predatory lending practices. From August 2005 up till now, we have been victimized by Wells Fargo Bank and Rels Evaluation for over 4 years. Can you recommend an experienced consumer attorney specializing in appellate court appeal for fair house lending? Thank you very much for your time.

We made several inquiries to Wells Fargo about at least giving us back some of our line of credit and it seemed that the scripted answer was always that we had to reapply for the loan we supposedly already have and of course paying all of the fees again (Is Wells Fargo trying to make money off loan fees? Need we mention the appraisal scandal that they were caught doing?). We would welcome Christine ** or anyone else from the Collateral Department at Wells Fargo to come out and view our property which is a 4000 sq. ft. all-brick home with a 550 sq. ft. sunroom and a 2000 sq. ft. shed on 10 acres of land. There seems to be a feeling at Wells Fargo that Colorado property is inferior to California property.

We never saw a receipt, a document, nothing. But the final cost of the house was $210,000 after 9 months. The only significant change we made was to install a forced air furnace. I guess, I thought that had added $40,000 to the cost. We kept asking to see some receipts. We got the runaround from Terry **, Deb ** and the manager at the building center. We moved in, it seems, on the day that the housing market went bust. We didn't have the instant equity that we had been "assured." It was not their fault, of course, but we put $40,000 down at the closing and we were paying a mortgage of $187,000. That's a significant difference over our planned $137,000.

We have been treading water (drowning) ever since. We went into foreclosure. No one cared that our contractor went over budget. The loan was modified (after some incredible experiences of being put on hold, disconnected and forwarded to the wrong department) and the payment increased (to include homeowner's insurance), from $1070 a month to $1365 a month. How were we supposed to pay $300 more a month?

It's life in hell. We're fighting foreclosure again, but I've lost my teaching job, probably due to stress. We're talking to a bankruptcy lawyer, but it feels like we're writing our last will and testament. I wish that the legislature would hear the consumers crying.

I have attempted to get an answer as to what my true interest rate was and received no answer. I then attempted to research my account online and was denied access to the account. I then attempted to contact them via email and was told they couldn't find nor verify my current mortgage. I gave them all the information they requested in regard to the property and was told repeatedly there wasn't a mortgage on that property, in my name, or with the account number, nor the property address that I've made payments on for nearly 3 years, and lived in the home for 9 years.

I attempted to contact them by phone; however, after being placed on hold, I have been disconnected 3 separate times. Because they have denied not only to me the existence of the mortgage, but also to the other companies I had contacted, I have been denied an opportunity to refinance my home. My credit was good until now. Now, I have been notified that there is a foreclosure notice to be served on me through an emergency contact number I had placed on my home.

When I made an appointment to meet with these people, they also failed to show up for the service of these papers. Now, I don't know what I should do. I believe that Wells Fargo has stopped me from obtaining a refinance through another mortgage lender by their inability to verify my existing mortgage, and have virtually taken my home. I am so frustrated at this point that I have vacated the home and no longer wish to have either the home or the mortgage with this Wells Fargo company.

I am 100% disabled Vietnam veteran and live on disability. I don't have the financial resources to pursue this matter through an attorney and have nowhere else to turn to. Could you please advise me on what I should do at this point? The house is empty and I am now living at my son's home who is active duty Air Force, currently serving in Iraq. I believe that Wells Fargo has acted in bad faith in the contract by listing 3 different interest rates on the loan, allowing me only an ARM mortgage, and now, by attempting to stop me from refinancing through another mortgage company - by denying to these companies the existence of my current mortgage. What should I do?

In May, my husband found a job; and I contacted Wells Fargo to get the fax number to send our revised income information. I was told then that I could not come off the plan early and that I could not turn in revised information until July. I was told that once the July payment was made in July, I could turn the information in then. At that time, I had already set up payments with my online bill pay, so that Wells Fargo would receive them early. Just as an addition, the address that I was sending the payments to, while a part of Wells Fargo, was not set up to receive ACH payments. So, my bank was cutting a check to them each month and mailing it to be received on the date that I specified.

On July 3, 2009, I saw that the payment had been sent and was set to be received on that day. So, I called and got the fax number to send in our information. The lady I spoke with said that the payment was not yet showing up and that my paperwork would not be processed until it was posted to my account. I was to call back in 2-3 days to confirm they had received my fax. On July 8, I called and was told that they had received my paperwork. I was also told that my payment was showing as being received but that it hadn't posted to my account yet. I was concerned as my "official" due date was the 9th, and I was assured that since the check was already there, it would not affect my repayment plan.

I continued to call in for the next five days to find out whether my payment had been posted or not. On July 14, I was told that the payment had been posted to my account and that my payment had been late. When I told Mesha that my payment had been showing up on July 8 when I called in, she told me that I could get a copy of the check from the bank and fax it in to Wells Fargo and that they would look into it. However, I was not given the fax number, because I didn't yet have the check back. I called back and spoke to Nate, who said that once the "problem" was taken care of, the modification would go forward and that instead of calling in, I should check on their assistance website to find out the status. At that point, I was also told not to send in payments until I was given the new reduced payment information.

During the next month, I continually called in and was told that my modification was being processed, I had not broken the agreement, and to just wait to hear from them. I became more and more frustrated as the days went by. On August 20, I received a letter in the mail that said I had a past due balance of almost $4400 that was due by September 15. I called in and was told that it was simply a form letter that was automatically generated, my agreement was still being processed, and I was once again told that the notes in my account showed that I had paid the agreement as agreed.

On August 22, I started receiving phone calls from a number that I associated with Wells Fargo. Every time I would pick up the phone, no one would speak, and I would be hung up on. On the evening of August 23, I answered the phone, and a man (I did not get his name.) said that he was with Wells Fargo and what did I intend to do about the $4600 that was due on our account. I told him that we were on a workout plan that was still under review. He said, "Well, your plan was denied on August 21 due to nonpayment." When I told him that I had been checking the website almost daily and had spoken to someone on the 30th, he said, "Well, they sent you out a denial letter on the 21st (The 21st was on a Friday, and this conversation was on Sunday evening)." He attempted to make me arrange payments, but hung up when I told him I wouldn't do anything until I received the letter.

On August 24, I started calling to the 800 number and was hung up on on two different times. I finally talked to Tashyra, who told me that my modification had been denied due to late payments. I told her I had proof of the payments not being late, and she accused my local bank of not sending the payment in. After finding out that I had already talked to the bank, she told me that it must have been delayed in the mail. She also said it was my fault because I didn't set up checks by phone with Wells Fargo. She told me I had no recourse in this action and refused to transfer me to a supervisor.

On August 25, I went to my local bank, since Wells Fargo was pulling them into it. Records showed that the payment was mailed on June 30 - a full 10 days prior to the payment due date. They attempted to contact Wells Fargo on my behalf and was told that they couldn't speak to a supervisor either. They refused to accept proof of when the payment was sent, saying that the only date that mattered was when it was entered into their system. I made the comment that I felt it had sat on someone's desk until after my due date, and she told me, "Well, you can't prove that, can you?" I have been told by my local bank that they would assist me in any way and suggested that I retain a lawyer.

Three months later, I received a letter from Wells Fargo Financial saying I was 3 months delinquent even though I paid my $1100.00 a month. I called and talked to Brad. I told him about talking to Chris Hammers, and he said Chris was no longer with the company. So basically, what I got from the conversation with him was what Chris said didn't matter because he no longer worked for them. Brad told me I had to pay $1000.00 or I was gonna go into foreclosure. I talked to his supervisor, and she told me I only had to pay $532.00. So, I got $532.00 together, and when I called with the payment, Brad told me it was $1000.00 or I was going into foreclosure. They tell me one thing, and nobody has the same story or answer.

Nonetheless, I faithfully called WFHM every week and sometimes two times a week. I was told over and over, week after week , by representative after representative, that as long as my loan was in review that my house would not go into foreclosure. I got several foreclosure notices and called and the representatives assured me that until I had a date, they would just keep postponing the date and the house would not go into foreclosure. Not only am I in foreclosure now, I have to pay WF lawyer fees because their attorneys are now giving me an option to pay or they will foreclose on the house. Every representative that I would talk to swore that the house would not go into foreclosure and now that the house is in foreclosure, the canned response is that, of course, WFHM can foreclose on the house.

My son went out and got rehired with the same company for a lower pay with the hopes that we would now qualify for the modification. Again, we were declined. When we finally got a letter telling us why we were declined, it showed more debt than what was true. I contacted them and was told to resend everything all over again. I was told by phone it had been declined again, but the debt was still incorrect. They were including in our debt a medical collection as a monthly payment, which was not, and we provided a letter stating that.

My daughter moved in and we were told her income could be used to qualify. We were told to resend - so we resent everything they said to resend and updated the budget and income documentation. First, they told us to fax it to the wrong number. Then, they finally received it. They said that everything that we sent was what they needed and they would be sent out to be setup. The next day, they had requested the foreclosure be postponed so that the loan modification negotiator could work on it. A day after, I was told sorry but it has not been sent to a negotiator because the hardship letter is dated two weeks ago, even though the hardship didn't change, only the income. Two days ago, someone had reviewed our documents and said nothing else was needed.

Now, we are stuck with no home. They were rude, they kept making mistakes and seemed to do it on purpose not to help. They could have helped him when he had asked for help before he was late. But they decided to just take the property without worrying about putting us out on the street. They chose to put the house for a starting bid of $140k on the trustee sale instead of working with us through a modification and let us keep the home we had worked for our whole lives. It is not fair. Wells Fargo home loans are heartless crooks!

Now, I sent in the updated information on 5th of August. They had to remove the home from liquidation, which they were requesting when I was on the phone. I just got off the phone to update my financial information and to my surprise, it was never updated in their system to remove from liquidation nor has it gone back into the queue for modification because this wasn't done. What options does a small guy like me have? They have me by the balls. I have no recourse. Now, I have to wait another two days to call back to check if this has been done so it can get assigned for modification. When does it end?

This whole time, we have been living in a motel because we sold our home thinking we had a pre-approval from this place and they said probably 2 weeks. Well we are going on week 8 and we lost the home we were trying to purchase and in the process of looking for a place to live. We are trying to get our money back at least for the appraisal that Wells Fargo had us do on the first house since we lost it and nobody will talk to us. We have spent $3,000.00 living in a motel because we were told we were pre-approved from a letter stating so from Wells Fargo. Dogs being boarded and whole house in storage.

When we complained to the CEO of Pinnacle Estate Properties, we found out that the brokerage house was not approved to deal with Ocwen and that no other agent in their brokerage besides the agent we had was authorized as well. We made Wells Fargo aware of all these things, including that the agent/property manager was submitting a false termite tenting (we proved it was not done by video and paper evidence). Our banker, Charles **, refused to send a different appraiser to make sure the FHA requirements were met. In the interim, the brokerage house allowed the agent to bring a real estate developer to the property under the guise of a contractor qualified to do repairs.

When confronted with the truth, they continued to bill seller for repairs that were never done including fixing cracks in the foundation. We were also barred from entering the property after we would not sign a buyer's agreement with RE/MAX where the agent moved to on 5/15/09. He also would not permit entry to the DWP, city inspectors or contractors that we wanted to use for further repairs. The transaction closed on 6/26/09. Our accepted offer was on 4/04/09 with a projected closing date of 5/08/09. We voluntarily agreed to extend to 5/22/09 so that all the issues would be resolved, but they were not.

Pinnacle Real Estate Properties offered us $4,500 for our out of pocket expenses for having to use a hotel (we gave 30-day notice to our landlord on our rental on 4/15/09), but it had a caveat that we would not contact any authorities. We declined the offer and have filed a complaint with the California real estate board on 8/05/09. Ocwen said to "sue them", they would not assist us further. It is our opinion that as soon as the bank (and our banker did tell us he had prior dealings with this agent when we first presented this contract) told the agent that the house appraised for $45K over asking price that they all tried to get us to cancel the deal any way they could. Eventually, we were able to reach the seller directly and forced them to do the necessary repairs, but now we are still finding that some of the work billed were never completed.

Unsure of what to do, we continued to struggle along, depleted our savings, then surrendered my 401K and paid off our credit cards that had grown to a considerable amount as well as our vehicles loans. We have never missed a loan payment and our credit rating was 785 and 775. During this 8 month period, we reached out to a loan modification firm advertised on TV. Before they would help, we had to pay them $3,500.00. Once paid, they began the very slow process of trying to modify our loan with Wells Fargo.

Then we ran into a wall, when the people we were working with at the loan modification company became no longer available. Phone numbers we were to use to contact them were disconnected. We thought for sure we had been scammed. Finally, we saw the commercial aired again on TV and we were able to make contact with them and with a bit of pressure obtain a full refund.

In April of this year, we broke down and stopped making payments to Wells Fargo. Well of course the phone has been ringing off the hook with them calling us, wanting to know why we were not making our payments. Wells Fargo’s staff was to send us documentation explaining short sale, foreclosure and deed in lieu (non-judicial foreclosure). It took Wells Fargo 6 weeks in which to finally get us all these documents. They would call asking for a payment. We would explain everything again. And again at every call, and when we would ask them for the requested documentation, we were assured it would be sent out.

Since it has taken so long for Wells Fargo to follow through on their promise to send us these documents for us to review, so we could understand our options, they have initiated the foreclosure process. We contacted an attorney for advice. She advised we should attempt to work something out with Wells Fargo on our own, versus incurring her cost of handling it for us.

We began making calls to the attorney for Wells Fargo, to seek their help in working out something other than foreclosure. After two weeks of unanswered phone messages, we finally made contact with Wells Fargo's attorney’s supervisor, and were told there is nothing they can do for us, as it is not their policy to work with the homeowner once the foreclosure process has begun. We went back to our attorney. She advised she will contact Wells Fargo's attorney, as they cannot just throw us under the bus. It has now been three weeks and our attorney has not been able to get the attorney for Wells Fargo to return her calls or respond to her letters. Beginning next week, we will meet with our attorney and begin the bankruptcy process.

I apologize for the lengthiness in explaining our situation. Now for our questions. Do we have any legal recourse against Wells Fargo? They forced us to ruin our credit before they would even speak to us? Secondly, when we did begin missing payments so they would talk to us, we couldn't get them to send us the necessary documents to begin one of the previously mentioned options. It seems to me Wells Fargo is in violation of some type of greater duty owed a customer, or fair banking practices, if there is such things.

We really want to file suit against Wells Fargo, not for the loss of our home, but for the fact, that they forced us down this path, with the missing of payments. We have lost my 401K equaling to $72,000.00. We lost a Roth IRA equaling to $14,000.00. We are losing our home valued at $895,000, now depreciated to a below the loan value of $639,000.00.

My mother is 73 years old and in constant pain from her arthritis after being a nurse for more than 50 years. She doesn't sleep well, lives on a limited income and has high blood pressure. This constant worry and harassment is raising my mother's blood pressure and making her unable to sleep. Wells Fargo is threatening to ruin my mother's credit and they are charging her an extremely high rate for home insurance that she already pays for.

Yesterday, Tuesday July 28th, we called back and got a girl named Ebony (desk # **). Ebony was a horrible customer service representative. She was rude and disrespectful. She immediately cut us off and said that there were absolutely no notes in the system about Saturday's call. She added that this was our fault that the payment wasn't keyed in correctly, that we should have caught the error and that our mod would be dead and we were going to lose our home and there would be nothing that we could do about it. She refused to go get a supervisor. Then she went and spoke to a supervisor. When we asked to speak to the supervisor again, she stated that her supervisor had just walked out the door and that we couldn't talk to her. She then said she would transfer us to someone and disconnected us. We called back the 800 number and got a different employee.

We were very upset at this point and explained to him what happened and he stated that all the notes from Saturday were in there and he doesn't know why Ebony hadn't seen them. Ebony was rude and got us upset for nothing. Wells Fargo still states that someone will call; however, our second payment is due this Friday, July 31, and if we don't make that on time (which they won't allow us to make the payment since the mod is deactivated due to Wells Fargo's error in keying the first payment wrong), then our mod will be dead for good and there is nothing we can do. We fought over 100 days for this mod. We faxed in everything Wells Fargo asked for and worked with them for hours to get this MOD going. We would not kill this MOD over $40! We paid it in full and Wells Fargo keyed in the payment wrong. This is their error and they stated that a short pay on a mod was impossible. So we aren't sure how they were able to give us a confirmation number and accept the payment that they keyed in wrong that was less than what we owed by $40.

I would like to report Wells Fargo and Ebony for being horrible to work with and treating us so disrespectfully after we have done everything in our power to work with them so we can keep our home and keep paying them. We could have walked away and screwed over Wells Fargo, but we would never do that. We are honest people and the way we have been treated is absolutely ridiculous and unbelievable. No customer service person should be able to act that way and speak to a customer that way and get away with it. I hope Ebony gets fired! I was told that all conversations are recorded. The conversation was on Tuesday, July 28th, between 6:30 and 7:30 CT. They should listen to the conversation and the way she treated us and they would be horrified that someone like that works for them. There are a million people who are great employees and are unemployed and can't find a job. There is no reason someone that is that bad of an employee should have a job over the other million people who are way more qualified and courteous.

In the meantime, I request a new PMI payoff letter, assuming that the new principal pay gets down to 80%. To remove the PMI, it should be either $26,217.65 or $8,217.65 depending on whether the $18k check was posted. The new PMI payoff after the $12,100 I paid, now says I owe $34,271.49! Wells Fargo added an additional 2% required to the mortgage PMI deletion requirements, which in my case is an additional $8,500! No notification, nothing. Now, I have paid down my mortgage for nothing. I don't even have another $8,500 right now.

I unfortunately had to be delinquent for 3 months to find out by Wells Fargo again that I had to be now current to be considered for loan re-modification. I paid the delinquent balances after 3 months of bad credit score in dropping more than 40 points in my credit score to be told by Wells Fargo again that now I am current with the payments and I will not qualify for loan re-modification again as was ground zero. This has been a nightmare experience with Wells Fargo and I have complained to the PA attorney general and to President Obama, but no response or help has been offered. Any help and suggestions will be greatly appreciated.

Wells Fargo deliberately forced us into foreclosure. I have never been late before that and have continued to pay the monthly loan amount. This bank is out of control and too big to have any matter resolved over the phone. In addition I sent the financial hardship forms over 3 times. I need help or we are in danger of losing our home.

Now, they want a divorce decree, more info on my 2nd job, and me to re-sign all new papers as they are outdated. Then to top it off, they told me they were still not sure they were going to lend me the money. And even if they did decide, it was going to take much longer as they were so busy. So thanks, Wells Fargo. You have forced me to sell in a market that is soft. I will not make enough to be able to purchase my sons another home. And at this point, I don't even know where we will live. Thanks a lot. You could care less about the lives you mess with. I hope you all sleep well in your comfortable houses and beds.

Let me add this. I have worked 2 sometimes 3 jobs over the past 2 years to save my children from having to move. I am not late on any of my bills. Yet, let's bail out people, who over-extended their selves on million-dollar houses. What about us, hardworking mothers? I worked my backside off these years for what? I will be a failure in my kids' eyes no matter how hard I worked. Thanks again.

I asked her specifically if doing this would break the forbearance contract and the Wells Fargo representative assured me that as long as I made the payment by June 19, 2009, the contract would not be broken. When I called in on June 19, 2009 to make the payment, I was told that the contract had been broken because I had not made the payment. I feel this is an unjust business practice and that they should have honored the payment as being made on time. Nowhere in the paperwork that I received did it say that if I stopped a payment that the contract would be broken. It only states that if the payment is not made by the due date, the contract would be null and void.

So as time progressed, the more and more I needed to get Wells Fargo management involved to assist with the loan process! Luckily, they were able to help! This local Peoria rep needs to be fired, but unfortunately, there is no management around.

Long story short, I gave feedback directly to the agent from my personal email account to her Wells Fargo account. Since she did not like the results of the feedback, she took Wells Fargo emails from her account and gave them to her husband. He works for the same company I work for. Now, I feel that confidential information is jeopardized because of it. Since the email was addressed at work, I was told that my HR department will review. More importantly, my information that is confidential such as W2, SSNs, and credit card info resides with this woman. If an email(s) were given to her husband, what other information was given out?

I explained that I needed the personal loan because I was selling the house. That I needed the money to get the closing completed at the end of this month. I have perfect credit. I have little to no other debt. I provided proof of our buyer's financing. Still they said no. So, essentially, it does me no good to have good credit, etc., because I can't get a loan. Additionally, this makes no sense to me because all I'm trying to do is establish a new borrowing agreement with them. I'm not foreclosing that would cause them to never see their money again. I'm not even doing a short sale where they'd lose some of their money. I'm being very responsible and saying, "Look, I'll make sure you don't loose a dime because of my divorce; just help me get to the closing.”

If I did foreclose, or do a short sale, I'd have nothing to worry about. I'd owe nothing. My credit would be lowered, but again what good is good credit when you can't even get a loan when you need one? So my question is, what is Wells Fargo thinking to offer no other option for anyone selling their house at a loss right now? Plenty of people are, and it even makes bad business sense for them to offer no alternative other than not seeing their money. It loses their profits, it's bad for their customers, and it's bad for everyone.

Financially, it'd be a ton easier for me just to foreclose because then I wouldn't have to do anything but sign my name a few times and within a couple years I could have my credit back up at least enough to get another house. I just can't fathom their logic. Without the help of family, I would have been forced to do a short sale, etc., just over that stupid $8k. And the result? They'd lose money; I wouldn't. But it'd all be due to their own loaning policies because they won't help me give them their money back. They shoot themselves in the foot and leave customers out in the cold.

I will never again bank with them. I have been a customer of theirs for a long time, keep a good average in the bank, never been over drawn, held several accounts with them, and always paid my mortgage on time. And this is what they do for the first time I've ever asked for their help? So, I'm writing here, on MySpace, the BBB and even writing local news stations. I'm sure nothing will change, but what an awful policy to do to good customers, especially when so many others are foreclosing.

The homeowner has tried to contact them and the same story for them. The buyers are getting frustrated and in fact are looking to withdraw due to never receiving a response. I have worked with other lenders on short sales that stay on top of things and you can speak to "humans". Wells Fargo acts like they want the homeowner to go into foreclosure. In fact, I heard that Wells Fargo gets money for each foreclosure they have. Is this correct? Aren't there watchdogs out there to keep Wells Fargo from purposely making a property go into foreclosure?

We were supposed to close escrow on April 30th. We are currently in limbo and we still cannot get a date from them on when the documents can be drawn up. They claim it's being held up due to a duplicate loan doc number. Right now the only status we can get from them is, “any day now." I have to cancel all my business trips in case the docs are ready.

So far we have had to cancel movers and other deliveries. I work from home so I need to have my internet installed the day I move in and I can't even plan that. We're two months behind schedule on the house. It sits there vacant and all delays are due to Wells Fargo.

First, I did not seek a repayment plan. I asked for a modification under Pres. Obama's Plan. Then, another veteran's agent got involved and said that the bank needs "financial statements, hardship letter, etc." And I told this new veteran's agent that the information has been sent to them twice already. She argued with me and said "you have been behind for a year" and I said that Pres. Obama's plan has only been out there for a few months, but she didn't want to hear it and she told me to fax it again and then call them every day to make sure they receive it.

The veteran's agent was making me out to be the villain here when all I have gotten is nothing but lies and a runaround from Wells Fargo mortgage. And, the investor in my loan is Countrywide eg. Bank of America. And they have received billions in taxpayer funds, it makes me sick. So I asked the veteran's agent point blank if any Veteran's loans that she knows of have been modified under Pres. Obama's Making Home Affordable Plan and she said that she didn't know of any but that the banks have their "own modification plans" etc. and that Veteran's doesn't have anything to do with it! Will someone please tell me that if the Veteran's Administration people don't know much of anything about Obama's plan, and if Veteran's is not forcing the lenders to modify the mortgages of qualified veterans pursuant to President Obama's Making Home Affordable Plan, then what good is it?

I am headed to foreclosure in the next couple of months and Wells Fargo keeps lying to Veteran's and telling Veteran's things that they have supposedly tried to do, and Veteran's is believing their ** lies.

Anyway, the whole thing was a waste of time because my appraisal came back way too low to get a refinance. I bought the house for $312K in 2005 and they said it was only worth $240K. I know that has happened to a lot of folks, but I am in Alaska and we have been fortunate that real estate here has actually gone up about 2% these past few years. So anyway - no refinance either. I can't help but wonder if the checking account "sales" incident had anything to do with it. I guess I'm suspicious of banks these days.

Here I am, thinking that I owed Feb.'s and March's and what am I going to do now, and if I went ahead and pay Feb.'s and he is going to go ahead and draft Mar.'s payment and that would cause other checks to bounce. So I decided not to pay anything yet, since, he had said nothing was going to happen to my credit. By April 6th, what do you know, 30 days late showed up on my credit report. I called, and talked to at least 4 reps. and 2 managers. They all made me feel like ** and that I didn't know what I was talking about. All they just wanted was to argue so they could win and get off the phone. According to them, I lied. It turned out, I didn't owe them Feb.'s at all, but they still refused to reverse the negative credit and they promised to listen to all conversations from the first, second, third and fourth reps. They all insisted that I was late on Feb.'s payment.

My credit is now ruined. Some creditors have already reduced line of credit and raised APR. My score went from 700's to a low of 600's. I can't sleep at night anymore because I am about to let go on high interest credit cards and that means they are going to place lien on my house. I would have to close my business because I can't borrow money anymore. What is so sad is that I had requested supervisors to review conversations with their reps. and they don't bother to call me back.

I got the roofer started, had the flooring replaced, had some painting and other odd jobs done by a handy man and did some things myself with the help of family. When the roof was 50% complete, Wells Fargo sent someone out to inspect, who then signed off on it and said they would submit it for another disbursement. He mentioned the interior work and I told him that the floors were complete and some other odds & ends but he did not tell me he had to go in to see it; he just took out papers that said the roof was 50% complete and signed off.

When I called over a week later to find out when I could expect the check, they told me that they needed contracts for everything, including odd jobs. I told them that I was not told this and that I don't have contracts for everything. I told them I could supply the flooring invoice and that I would call the painter / handyman to ask him to supply me with an invoice but that I did not contract out all the work that needed to be done. The information on the Loss Draft website says to supply all contracts that are obtained but since I only had one contract and one statement for flooring, that is all I could supply at the moment. It does not say "You must contract all work in the insurance settlement statement," only to supply the contracts that were obtained. Those are two vastly different requests.

My issue is that they changed the rules in the middle of the game. I was never told that I had to get contracts for everything State Farm put in their settlement. I was told that the only required contract was the roofer, which I supplied, and at which time a check was released. Now Jackie, the resolution specialist, says they will not give me another cent until all the work is 100% completed. I asked how she proposed I would do that without the $20k that they were still holding and it seemed to be of no concern to her. I asked what she would do in my position at this point and she said, "That is not a fair question since I know the rules." I also told her that the Public Claim Adjuster told me that she had never heard such a thing as a mortgage company withholding funds for anything other than a roof and she told me that I heard what I wanted to hear. I told her, "No, this is what the adjuster said to me."

I am up-to-date on my mortgage payments and my home is in a good state of repair. Wells Fargo is giving me a runaround for no reason. There is a pile of roof tile sitting on my roof waiting on money so that the job may be completed. We are two weeks from the beginning of rainy season here in South Florida and I need the cooperation of my mortgage company to release half of the remaining $20,000. Upon receipt of the $10,000, the roofer will finish his work and I can get on with my life.

I pulled my credit and Wells Fargo reported that I paid my mortgage 30 days late and they state that it's a long process to retract that, and that they are unsure if they will go through that process because it's time consuming! Omg, I almost fainted! How could they not correct their mistake? This is fraud! This is my credit on the line. It's unbelievable that Wells Fargo hurts their customers in this horrible manner. I'm appalled, totally!

In August through December of 2007, we started calling Lime and then Wilshire to help us work out anything that could help us keep our home. Believe it or not, they actually said they would. That's when I sent in all the paperwork they requested. I called weekly and waited for 6 months because Wilshire told us our new loan package was on its way and they would lower our note, and interest rate so we could keep our home. By January of 2008, there was no note. As a matter of fact, they claimed it was lost. So we had to fill out another package of paperwork and we were told they would get back to us. They didn't so, I started calling again.

Now the story is that the gentleman that we were working with was no longer in that department and we were assigned a new person and guess what? We have to fill out the paperwork yet again. This back and forth went on for 19 plus months. My wife and I are Real Estate Agents here in Las Vegas and, of course, our income has dramatically been affected. At the same time, our home in Rhodes Ranch is now 60% below our 2005 value. Our subdivision has been hit one of the hardest in this Sub Prime Lending nightmare.

I work 3 jobs and my wife is working 2 jobs just so we can bring in more income and keep our home. We've now lost over a million dollars in Commercial Real Estate, over $300,000 in savings and this home is the only thing we have left. We want to keep it at all costs. Right now, in May of 2009, it is only worth about $436,000. If we could negotiate that at 4% to 5% interest rate, we could keep our home. Wilshire told me last Thursday that we do not qualify for a loan modification but that Wilshire and Wells Fargo would allow us to sell our home to someone else at "Fair Market Value". They won't sell it to us but will allow us to sell it to someone else at "fair market value".

Now does that make any sense to anyone except them? I hope not because if it does, then millions of families are in serious trouble. That means that families who purchased homes in the past few years get screwed by the Big Banks that caused this nightmare and millions of families across the United States will be homeless while other families will be allowed to take advantage of our nightmare. Why don't the banks stop all foreclosures, redo the loans at "fair market value", lower the interest rate on money they are receiving from our government for 0 to 0.25% and use some of that bailout money to save homeowners? Don't punish millions of families, because more homeless families on the street while putting other families in our homes. This will increase the Crime rate and certainly won't encourage these other families to purchase new homes.

I find this tactic to be extremely unethical and a new way to obtain free money from trusting home refinancing citizens. I realize that this particular area has suffered from home foreclosures but my wife and I are trying to maintain our retirement pensions without this type of service from the banking industry. It will be difficult to pay $3,500 at a government sponsored program with higher interest rates.

I gladly volunteered to buy a house in this area in order to support them since they are on a fixed income. I have been under contract to purchase a home in Beachwood since 9/26/08. The home is a short sale due to the owner falling on hard times after being transferred with the military. Despite my qualification and ability to obtain a mortgage, the current lien holder, namely Wells Fargo Bank, has forestalled this transaction for six months without good reason. The current owner has not paid his mortgage in many months due to financial constraints and yet the sale is on hold.

I have suffered through months of waiting, living out of boxes and hearing the frustrating pleas of my realtor and this bank to be patient. The offer I placed in good faith is a fair and reasonable offer given the current market and value of the home. Inspections and appraisals have been long completed, financial paperwork is in order, and the seller has grown more and more desperate to sell to save himself from more financial woes. Following the seller's last communication with this bank when he questioned the continued delay despite claims to have all necessary paperwork, the bank hung up on their own client. There is also a second lien holder on this home that had previously agreed in writing to a settlement for the monies owed them. That lien holder, Countrywide, has become so frustrated that the settlement is set to expire within days if no action is taken and no closing date set. Wells Fargo, aside from receiving bailout money from the federal government, posted $3 billion in profits last quarter.

So, I guess my question is, how can a bank that received bailout money to assist a struggling economy refuse to facilitate the sale of this house from a home owner in distress to a well qualified buyer? The taxpayer monies that have provided these bailout funds are intended to help the individuals that need them, are they not? The bank's failure to approve the short sale, as well as their failure to decline the sales price offered, has left me in real estate limbo. I don't know what you are able to assist me with, or if you are unable, please tell me where to find someone who can assist me with this issue. Your reply would be greatly appreciated. I have also taken the liberty of forwarding this to Wells Fargo Bank, Countrywide, as well as the Ashbury Park Press. Thank you for the opportunity to be heard.

But I was pulled through the application process, got to the point of getting a commitment letter, a closing date, a closing officer and was all set to close. Then I got a phone message left on my machine that I was being denied due to their so-called benefit to borrower criteria. No explanation. The message was cut off and she didn't even have the common courtesy to call back and complete her message. I got no replies to my calls or emails. It's impossible to get through to this representative again, but eventually she did leave another message on my machine. This message said she was going to try to refund my appraisal fee. That was weeks ago. I am not holding my breath.

They are also guilty of breach of contract due to the fact that I have a signed document stating I must receive a copy of the appraisal report within 30 days of it being done and I did not. The Good Faith Estimate was sloppily done and actually wrong on a couple items. To add insult to injury, the closing agent called my homeowner's insurance policy holder and changed my coverage without my authorization. I have since talked to numerous banking professionals, lenders, attorneys, brokers and all say they have never heard of a benefit to borrower criteria policy. All say is I have legal cause of action and I am actively pursuing that option.

Our property is a farm, zoned Ag Residential. It includes a house and barn, and we do farm the land, growing vegetables for a community supported agriculture business. We've now been told that underwriting will not allow the refinance to go through because the property includes agricultural business. That is news to us. We are puzzled because the property has always included an agricultural business including when Wells Fargo first took on our conventional mortgage. We are also puzzled because this is our home, our principal residence, not solely a business.

It doesn't make much sense for the bank that currently has our mortgage to insist we continue to pay more for it at a higher interest rate than is necessary. It's not as if Wells Fargo is cutting our mortgage loose. Rather, it is just refusing our refinance and not very economically stimulating. The mortgage loan officer we worked with seems as surprised as we are, and has said she has taken it as far as she can? She's been very helpful, and we don't doubt it. But something seems so very wrong with this. We can't help but pursue it further.

EMC then applied all the payments made Western Union, cash, direct deposited into their bank account, to the negative escrow account, thereby creating a false default. They applied late fees, property inspection fees, advanced attorney fees, misc. fees, etc, creating a false unpaid balance on the loan. This circumstance is not like most.

I made all my payments. I did not borrow more than the value of the home. I still have equity in it. It is a fixed rate loan at 7 1/4%, for 30 years and was and still is affordable by borrower. However, Wells Fargo filed a lis pendens on November 30, 2005 and it is still tied up in Court some four years later. This is fraud, clear and simple mortgage fraud. I have spent near $40,000 in legal fees and court costs trying to get this case dismissed. Now it is just sitting in limbo. Nothing has been filed since January 20, 2009. Attorneys have taken my money and didn't know how to litigate this case and left it in a legal mess. I am tired of telling this story without help from anyone. I have a terrific Counter-claim sitting in the Court that is not being litigated either.

The following day, I was called again so they could inform me that they couldn't help me until I made more money? I explained (again) that I was calling because I was laid off and needed help. They said, "But your payments aren't behind," which I replied, "Exactly and I want them to remain that way along with not wanting my credit to take any hits." They said there was nothing they could do and sent me to another department which I ended up finding out was the department that starts the foreclosure process! I explained I didn't want to lose my house. I wanted to be put on an alternate payment program or get my interest rate lowered for a period of time so I didn't lose me house. She then sent me right back to the first department.

After talking to this associate, she advised me to try regular refinancing. (Okay, let's stop for a moment. I don't make enough money to qualify for their payment assistance program, but I'm supposed to qualify for a regular refinance?) After explaining this to her, she decided to ask her supervisor what I should do. Yes, it gets worse. Apparently, her supervisor didn't know either so she told me to write a letter and fax it to the mortgage assistance office. I continued to explain that that is why I am talking to her because apparently her office is the ones that make that decision and what would a letter do that I can't say right to her over the phone.

I am honestly beginning to see how corporate America has got into the trouble they are in. Stupidity! All I wanted was to talk to someone who could help me through this tough time, not be sent around in circles talking to people who should not have been allowed to answer a phone if they didn't know how to do their jobs. Anyway, after the supervisor didn't know how to help me, I hung up completely disgusted. So I guess my only option is to write a letter and send it to the same damn department I was just on the phone with.

I was a co-signer for my son's home and they doubled the payment from $2,300 per month to $4,600 per month and they couldn't pay. We asked for help. They told us to stick it in our ear. My son had to move back to Texas to live with his wife's parents and now we can't see our grandchildren anymore. We called to tell Wells Fargo that we would like to work out the loan and they acted like they were going to help. We were only 3 months in arrears, they broke into the home and changed the locks, sold the home for $214,000 we owed $519,000. We were willing to pay the entire amount with payments that were more reasonable; however, they figured that it was FNMA money, bailed out, why should they go through the fuss?

Our income has been reduced for two reasons, one because we are in the real estate business and two because we are not allowed to work for Wells Fargo Bank. Wells Fargo uses RELs, a wholly owned subsidiary of Wells Fargo Bank, and after upsetting a homeowner, because we came in too low on her value, Jeff **, informed us that we were on the do not use list (this was over 6 years ago). I indicated that we did our job and have no power over the market and do not create value; we simply report it. He said the homeowner is always right and it’s just too bad. We lost over $50,000 per month in business and there was nothing we could do about it.

I have since filed a complaint with the California Attorney General and the OCC. There is still an investigation ongoing with the OCC. Wells Fargo expects us to pay our loan, yet won’t let us earn a living and do the job we are licensed to do. There are many appraisers on their list of approved appraisers that I personally trained. I am an AQB Certified USPAP instructor and a Certified General Appraiser, as well as the author of a new book titled Residential Market Analysis and Highest & Best Use, Published by Crown and Allied Publishing. I am also a Certified DVBE (disable veteran business enterprise). The only one in all of Northern California and Wells Fargo doesn't care to allow us to work. We have 9 bank accounts with Wells Fargo and two home loans. I would like some help with this bank that will not help us in any way. Thanks for reading my rant.

We have lost the connection to 2 of our grandchildren. We are struggling to make our house payment and I my wife have a stress related back pain that we are trying to seek medical attention for. I am 56 years old and served my country during the Vietnam War and just want to be treated the same as everybody else.

One of the things he told me, not showed me, is that my credit card debt would be included in a high interest (12%) 30-year mortgage loan. When I questioned him about taking 30 years to pay on credit card debt, he went into a rage, telling me how stupid I would be if I didn't take out the loan. When I commented on not having anything to look at to consider it, he went into another rage, saying that I didn't need to see any paperwork, that I should just agree to the loan, that it was in my best interest. Then, he tried the ol' "I'm not making any money from this" routine. I asked him if he had anything I could take with me to consider overnight. (I just wanted to get away from him asap!) No. Again, there was no paperwork. So, I thanked him for his time and said I would consider everything that just took place.

The next day, I received several calls from him at work, wanting to know when I could come in and sign the papers. What papers? I told him I decided not to take out the loan. He became enraged again, calling me ridiculous and again that it would be stupid of me not to take out the loan. I hung up on him. He continued to call my work number time and time again, day after day after day for weeks. Luckily, I have caller ID and didn't answer the phone.

Get this, he then called my Payroll department! He asked them for a copy of my W-2s! At that point, I became frightened. I called him and told him never to call me or my employer again.

A few months later (March 2009), I received a call from a different rep. from Wells Fargo - same office. He reported that Keith ** had been let go. This guy seems just as pushy. We'll see. I still do not intend to do any business with a company that hires losers and that has so many complaints against it! I'd rather live with the bad credit. My advice is, stay away from Wells Fargo!

Now that 4 to 5 months have passed, I have paid for home appraisals and submitted all kinds of financial info. They now are telling me that because of how I filed my taxes, I don't show as much income and my wife's credit score has slipped some to 680 because we charged some on a couple of her accounts during Christmas. My complaint is this: Wells Fargo could have written all this up in December but didn't because of their greed and trying to make sure they are writing loans that help them out more than their customers. Now because they didn't have our best interest at heart, we have been declined by Wells Fargo and have been trying to reach Karen for weeks. I have also had to call Karen's boss at Wells Fargo a month or so ago about her not returning phone calls.

My wife would call her 4 times in 2 weeks without a call back. These are the most unprofessional people I have ever tried to do business with. Also, did I mention on my credit report that there is not so much as one late payment or derogatory report - just a little debt?

I contacted Wells Fargo, they told me that I could not modify my loan unless I was late on my payments. Couldn't refi, not enough equity in home due to the state of the economy. They changed the lending practices also, so I could not go stated like I have for the past three homes I bought. Credit scores changed, so in a real catch 22. Can't refi, can't quality, can't modify unless late. So I missed a payment, been harassed daily by Wells Fargo. I did what they told me to do so I could qualify for a modification.

Finally they qualify me, but am not sure if on the up and up with what I read on the internet about their modification program. Heard it was a scam, they have started taking monies out. When I spoke to customer service yesterday, got the impression something is not right here, because they told me they haven't taken any monies out. I have all letters, phone numbers, dates, and confirmation numbers of the deal supposedly worked out. I feel this was a predatory loan, they did what they wanted and really put me in a catch 22. Now my credit is ruined, my score loss 100 points. Can you help me please?

Susan ** was aware of this but chose not to give this info to the buyer until yesterday. She claimed that she knew she could not ask for an exception until everything was submitted leaving WF customer in the dark after proceeding with all inspections. This was a non-disclosure by WF. Why are the banks not lending money to qualified buyers on their own merit instead of using how saleable the loan will be to investors? This should be fraudulent bank practice and more oversight is now necessary because banks are going to drive property values down more.

I contacted Wells Fargo this past Monday to request their letter be faxed to me at work, advised me they would put a rush on it and I should get it in 1-2 days. When I did not receive it by Wednesday, I called again. I was advised there was no record in the system showing the request, that the company on their own referred it to the department that writes the letter on Feb 16 but they were backlogged and had not done so yet. After complaining about this, I was put on hold. The rep then came back and told me she had spoken to 2 supervisors and there was nothing they could do. I then called the complaint department and spoke to Ana who advised me she would do her best to get it and contact me by close of business the next day. I never received a call back or the letter. Today I sent an email to the CEO. No response yet.

This happened last Friday and, though we legitimately had over $600 in our checking account, we were not able to take any money out because of the negative balance created by Wells Fargo's error! I just received my bi-weekly electronic deposit to my checking account from my employer at midnight last night, and Wells Fargo took out another $1,600 this morning. Once again, we are overdrawn. My wife and I are beyond upset. Last weekend we planned to take our children on a fun mini-vacation, but were not able to do ANYTHING because the only cash we had available was what was in our pockets before Wells Fargo screwed things up. We were even forced to use an emergency credit card to get some groceries until the error was fixed. Now we are in the same exact situation only 6 days later! I'm tired of hearing how sorry the people from Wells Fargo are about these errors. It's time to take my complaint to the next level. That's why I'm contacting Consumer Affairs. Please help!

Currently our complaint has been passed on to our state dept. of licensing and we stopped payment of $500 fee through our credit card company. Just noticed the lawsuit that was filed this month Feb. 09 and contacted them to report our situation. The appraisal report seemed pretty obvious to us that they were trying to set a price and worked backwards to make it work. We have no idea what the actual appraisal cost or the credit report.

According to Citibank, they received this request from Wells Fargo on 2/10/09 and need to upload it before they could work on it. They said yes they are 30 days behind. Per Linda ** at Wells Fargo, because this would take too long, my loan was cancelled! I called Citibank to request they speed up the process, and they informed me they could do it manually overnight at my request if Wells Fargo faxed the paperwork today. Despite many calls to Wells Fargo and one final conversation with a Manager Jarrod **, they informed me that they have already requested the loan be cancelled because they knew they would not make the deadline. This, of course, means I lose the 5% interest rate and they informed me I could reapply if I so desired.

Needless to say, it seems like fraud that they just cancel the loan because both banks are ridiculously behind in processing. When I faxed them the request and tried to confirm the fax was received, Wells Fargo said it would take 7 days to confirm receipt of the fax as the fax department has to scan everything in before we can see it. While every employee there agrees the delay was Wells Fargo's fault, they say they cannot extend the time frame and I have no other options. Unbelievable! This is the industry we are going to bail out! Do I have any recourse here?

The buyers were getting a USDA loan and we were told they had already spent all their money on the home inspection and the appraisal. We offered to pay for another appraisal if they would go through another bank. They wanted to stay with their lender. We lost the sale of our home. Which means more days on the market, which means an even lower number if we ever get another offer. We also cannot and will not accept another offer from buyers going through Wells Fargo. But many people are so desperate to get out of their homes that they will. That again will hurt the price of our home. I have emailed your report to my realtor who forwarded it to other agents. Realtors need to know this is happening so that they can protect their clients and even their buyers.

As a result, I lost out on refinancing my home at a lower interest rate for a reduced term, which would have paid off my home more quickly at near my current payments. As I approach retirement this was very important.

In June 2008, a contract was received for the home reflecting the lower value, but not reviewed and (subsequently denied) two months later! At nearly every turn, Wells Fargo has sent conflicting information, lost information sent by me, dodged my and my broker's inquiries/e-mails and has (at best) been extremely slow to respond to any action or request. Due to their apparent lack of fair business practice/reasonable and accurate communication, foreclosure has become unavoidable as I believe was Wells Fargo's intent all along!!

I persisted and got Wells Fargo to finally acknowledge that my application did get accepted into their system but was told multiple times in multiple ways that they were canceling their online applications and they would have to cancel my application and start over at a higher interest rate. The excuses ranged from they got too many applications through the online system so they were canceling it, to they weren't making enough money (this sounds a little more credible to me) so they were canceling it, to yes my application did get uploaded into their system but their interest rates had already increased by the time it got uploaded which is not true. I have in writing the acknowledgment they sent me of my application which is dated prior to an increase in their interest rates.

Last month, November 11, I got a phone call saying my payment had not yet been received. The next morning the check came out of my account. When receiving my bill for December it states my payment was received on the 11th. Why did they call me? I have called and spoke with several people about how they shouldn't call me till the 16th when I have a late fee. I have told them how it frustrates me that they take SO long to cash my checks. They never have an answer and it is like they are reading from paper.

Barney Frank/Chris Dodd did not answer our letters!!! Complaint filed with Office of Comp of Currency. They are toothless, total con job on the American public. Have written Atty Gen of Virginia, waiting response... I now have durable power of atty. Anyone out there that can help... please. PS. Mr. ** had perfect credit at the time w/ thick file all on time. He is member of the Lions Club of Kempsville, and was awarded lion of the year this year. This is a sorry country we live in that the little guy gets run over all the time and it all seems to be business as usual.. Please help and thanks for letting me vent...

I spoke to someone in the insurance department and verified the information was verified on the 7th of November then updated on the 11th of November but as of today the 17th customer service attitude was that I didn't have homeowner's insurance and the bill I received was accurate. How can a company this large have a computer system that does not allow customer service to see accurate account information that could have changed in a reasonable amount of time. When I asked the customer service person for the name of the president of the company and the address to mail my complaint, Jeremy stated he didn't know that information and could not provide it. After speaking to Jeremy for a few minutes I could tell he would not be of any help in resolving this issue. I learned that Wells Fargo Financial is quick to make you pay more but works at a snail's pace to correct a problem they created. If they fix it at all.

Plus my 30 myear fix rate which I was also told was on a 7.0250 interest rate fix for thirty years, not instead they took my second morgage flipped it around to where it was fix at 30 years locked in to 13% interest rate and the initial loan for $150.000m dollars was fixed and it was not. Instead they gave me a two year arm and in June 2008 I was suppose to pay another 300.00 dollars or more a month upon my initial sum of 1180.80 for a payment increase to $1480.80 a month and on the second note which was a fix on $50.000 dollars at 13% fixed at $423.60 making total 1900.00 dollars a month and even a bit higher?

I said my loan was switched around and I was told at closing my home was for 30 years on the primary note of a loan for $150.000 dollars. This never happened . Yet I took their word on it and never looked into my paper work until all of this mess was on tv but by then it was almost 18 mos before I looked at my paper work on the morgages and I called and complained and yelled and tried to go through the process for reapplying and nothing could be done so I told them to stick the morgages you know where and I stopped paying all the while I had good credit rating scores. Now I will lose everything and all I wanted was a good honest loan fix rate, as I have a fix on my money where I get paid enough to keep the loan thats if it was a good loan from the begining I asked for help to help me out and so far I haven`t heard to much as it is being processed? I am a disabled vet from Viet Nam can any one help me keep my loan.

I have lost my credit rating and also lost my home it is going into auction Oct 3, 2008. I can pay my morgage at a reasonable rate and a good refinance quote there would be no issues what so ever all I need was a honest party to refinance me, and I will sign direct deposit over from my gov disability and social security check which I get every year at a monthly raqte of $3400.00 dollars between the both.

Vicki requested the appraisal fee and stated she would try her best. The appraised value came in much less than my current balance. So now I'm out $350 and can't pay my mortgage this month. I've since learned that my loan is going from 4.25% to 5.00% and that Wellsfargo does have a loan modification dept. Vicki offered 6.75% fixed rate. She never addressed any of my concerns.

I felt I was taken advantage of. I spoke with the Branch Manager and all she could state is that her system was down so she has no way of knowing what happen; she cannot refund my $350.00

The appraised value came in much less than my current balance. So now I'm out $350 and can't pay my mortgage this month. I've since learned that my loan is going from 4.25% to 5.00% and that Wellsfargo does have a loan modification dept. Vicki offered 6.75% fixed rate. She never addressed any of my concerns. I felt I was taken advantage of. I spoke with the Branch Manager and all she could state is that her system was down so she has no way of knowing what happen; she cannot refund my $350.00

I also called there complaint dept. The woman I spoke with stated the counselor had no way of knowing what my loan would jump to until the end of this month. Not that she was taking sides. I've since spoken to other mortgage companies who have stated any knowledgeable loan officer would based the loan on the margin and the cap and know that the most the loan would jump is basically 1%.

I'm highly upset with this company. I even told this woman I feel a reputable company would assist their client and not take advantage of them. Her only concern was that the loan officer did her job. If she had done her job, she would have reviewed my loan or referred me to the loan modification dept. She did neither.

Another thing Ms. D.'s letter failed to state is that I initially acquired my residence property in 1993 through AmSouth Bank. For home improvement in 1999, I refinanced it with GE Capital. I had equity in the property, and I never had a subprime loan. (Marriage failure caused me financial ruin; and crooked deals in Family Court sealed my fate.) On the other hand, facts overwhelmingly demonstrate that, using defunct GE Capital's identity, debt collector attorney Herschel C. Adcock, Jr., fraudulently seized and acquired more than $80,000 when he flipped my property. Also, contrary to the form 1099-A, the Fair Market Value was not $12,000 -as manifest from the year 2005 sale price for which that property was sold in that same tax year purportedly to a third party.

A lot of foreclosed former property owners will one day discover there is a 1099-A or a 1099-C for which the IRS wants answers! If that 1099 is replete with false information, there could be severe tax effects and a lot of needless untangling to be burdened with. Across the country, foreclosures have been halted because "real party interest" was absent from those foreclosure proceedings. Yet (in Louisiana), it would not be farfetched for foreclosures to become filed in the name of 'Mary had a little lamb', and judges allow peoples' homes to become seized.

In total I have paid nearly $2000 in title insurance in under two years. The way the current loan has been structured, is going to force me to refinance again within two years - again I will be paying lenders title insurance. This is a never ending ongoing scam!

phone calls from collection agencies. bad credit reports?

phone calls from collection agencies. bad credit reports?

On February 25, 2007, I happend to leave my house. I missed the one call Wells Fargo at Fort Mills made to me. Unfortunately for me, it meant the end of the process of the loan modification for my husband and me. I was very distraught to wait all that time to be removed from a program, without any notification, all the time and effort on MY PART to process the paperwork. I got a notice in the mail two days later. I was extremely mad. I immediately began calling Fort Mills, trying to see what I could do to resolve the problem. I was chastised like a child and told it was all my fault for not answering the phone the only time they called me. I said OK, I'm not arguing, I just want to know what I have to do to rectify the problem. I was then told that I would have to wait for yet another package to be sent to me in the mail. I refused and asked why I had to wait until then. I had done the original process over the phone, why couldn't I do it again?

Well the customer service rep let me do the initial process over the phone, but only if I made a house payment of $843.57. She stated it was the only way my loan modification could be restarted.I felt trapped. So, I made the payment and took the money from food allocation and my car payment to make it.The I had to re-fax all our paperwork over again. Not once, not twice, but three times I had to fax the paperwork to Fort Mills. They told me each time that they did not receive the faxes. So, along with the third fax, I sent the paperwork for the loan modification by USPS ceritified return receipt. Believe it or not, when the loan modification had to be signed for, it appeared miraculosly.

I was told I had plenty of time, but it would take a while. I stated on numerous occasions during conversations with represenatives that, I want to know something so this can get cleared up. This was March 4,2007. I called at a minimum of once a week, often up to three times a week. April came and went. So did May. But I kept dilligently calling, questioning when I would get some kind of information. June came, still the same reply, only this time I knew that Luwanda Harris was the negotiator. I found this out because of all the excuses the represenatives got when they sent her e-mails in reference to my account,i.e. doesn't work on this account, she is on vacation, ect. By this time, I had saved up $3000.00 for any expenses I may have needed.

I called on June 10, 2008 and asked about my modification. All the rep found on the account was a note wanted to know how much money I had saved up. I told the rep the truth and told him $3000.00. On I called on June 18, 2008. My mobile homes cooling system completedly died. I called Wells Fargo and explained that my HVAC went out, a male represenative told me that, it is OK, as long as you have one payment. That same week, my husband's uncle had a heart attack. We left for Upstate New York on June 21, 2008. Lo and behold, I got three calls on my cell phone while we were in a very dead zone for Nextel. But the were on Thursday and Friday, the last two days of the month.

I didn't have the money that I told them I had so, I called again and asked what my options were. I was told I had made my choice. I choose to make the house livable instead of going without air in a trailer. The male rep told me that was my choice and I should have chose to pay for the house and live in it with window fans. I was told I would have to wait until the repayment plan was broken and to call in 5 days later. My house is scheduled for sale on September 3, 2008. I then stated to Tanya that I didn't have enough time to wait for another plan to be approved. My house would be foreclosed on by that time. She told me to calm down there was plenty of time. I told I have been waiting almost 7 months for any reply from Wells Fargo and got nothing.....I have no time.

I went to see a laywer about a foreclosure forebearance today. I was told I needed to sell everything I owned and walk off from the residence. Loss of money due to improving HVAC $4000.00, foreclosure of house, no where to live, no money for rent, relocating 3 children, possibly relocating out of state or move in with family. I have Post Traumatic Stress Disorder, Anxiety and Panic Attack and Bipolar Disorder. All of these have worsened with all of the stress and anxiety I have expereienced due to this. I can't sleep and continually worry about the welfare of my children. Please help.

So the last time they were trying to verify my info I wrote it down and called the number they had on the file for me it was another Tim! I also believe they sent him my card as well! So anyway im just a small fish how can I get some sort of solice, I feel violated!

I feel used and violated due to giving my information away

I have to pay 1,700 a month for the next 4 months when my income is only 2,500 a month for 3 months in a row and I had to give them 3,700 already at one time.

i had to self renovate causeing serious injury to laumbar had to close office for one year to make renovations loss of income and loss of clients. medical bills and mental and physical deress to date still have not resolved issues .

i had to self renovate causeing serious injury to laumbar had to close office for one year to make renovations loss of income and loss of clients. medical bills and mental and physical deress to date still have not resolved issues .

So we waited and called back in the early January. The representative of Wells Fargo ( Brad Johnson ) was very kind and said that he will refinace our property ( plus the manufactureded home) for fixed rate of 5.4% . Me and my wife decided to go head and singn the paperwork, but a month after we did signed the paper, we had received another letter form Wells Fargo which stated that due to the fact that they discover that we live in manufactored home the rate should have been a lot highter so the new paperwork had shown 6.0% fixed rate. I was also very upset to hear from Brad Jonson that such a paperwork was unknown to him ( the paperwork that I'm submitting to you explicitly states that the paperwork was made by Brad Jonson).

When I called Wells Fargo, the refinacing team manager stated that they just find out that we had manufactored home which was a false statement of its own ( like I had stated , when I talked with the refinacing representative in November, she was perfectly aware that we had a manufactored home without even asking). The refinancing process has been taken from January 31 ( proof submited , until now June 17, 2008).

We personally think that the company is not only cheating us but is actually disciminating against low class americans such as us. This whole process had added tremendous stress to me as a caring father and my whole family. We feel like we are not being threated fair and due to the fact that many issues should have been resolved by the company. For instance, the last e-mail ( proof submitted) stated that the title company had never surender the title to us. Why did Wells Fargo sold the property to us if we are not the owners?They should have resolve the problem at first place.

It is not my responsibility to chase the previous owners and try to get the title of my own home from them. I'm not even aware their location either, but such a situation should have been resolved by the company ( Wells Fargo).When I talk to Krystal ( refinacing team) she said that we have to be patient, but now she is trying to raise the interest rate of our mortgage?They also sent us and e-mail stating that we don't actually own the place and we have been paying for something that we don't own for over 8 years! Please help us! We are devestated!

This process had added thremendous stress to my family and my financial situation. We feel like we are stuck in nowere and nobody wants to help us. We are morally stripped from our humane dignity. We think we are being discriminated as a low-class americans and being single out. Thanks you very much for your understanding.

Ever since Wells Fargo took over our loan, we have been receiving conflicting information. We pay the amount on the statement, and they say it is a higher amount due. The rep said their computer system doesn't always print out the right amounts due, so it's up to me to check each month before making a payment. This is one of their aggressive and deceptive practices of making you late on payments you didn't know were due.

How can you mail me a statement on the 24th for a payment that was due 23 days prior. Please help us with this. I didn't know that you could retrodate a payment and then force me to pay late fees when that wasn't due at the time the payment was due. I am now being told that my payment for the month is late and late fees will be applied

I have made at least 5 phone calls to get our money back. Wells Fargo said that the check was not cashed so htey supposedly put a stop payment on it. As of today, we still dont know where the money is. To add to all this confusion, Wells fargo also paid my county taxes which were $265.06, we also paid them in closing on our new mortgage.

Now we are waitng for the 265.06 to come back. I contacted the tax office and they said that they sent the payment back. Can you please help us? I am out $967.06. I also filed a complaint against the lawyer's office that handled the closing.

Son worked for tool & die company which ended up closing (economy). Now has a job earning 1/2 what he was making. The mortgage insurance $61.00 a month is not helping him. Hes lucky if he has $30.00 a week left over, to buy gas and food....

It has caused a lot of stress each time the monthly statement comes seeing the principal never budging while the 1st mortgage does. We are extremely stressed over being deceived into thinking that this loan would have best suit our needs when indeed we really didn't need it to begin with. It will certainly also prove to be a financial burden in years to come.

In October 2007, we were told that we needed to pay $2,500.0 for a debit to avoid a filing of a motion to dismiss our case. Part of this money was our trustee payment. And being scared, we sent the money to that debit so we would not lose our home. On December 12, 2007 our bankruptcy Chapter 13 was dismissed, as we were 1 1/2 months behind on the trustee payment. Our lawyer said this would be okay, as we needed to take the property taxes out of the plan anyways, since Wells Fargo should be paying, and should have paid the taxes prior to. So on January 9, 2008, we went to our lawyers office to arrange for the re-filing of our new Bankruptcy Chapter 13. The filing date was to be February 1, 2008. On February 1, 2008, I called our lawyer, and they had not filed yet, saying that they had checked the court records, etc.. and no lawsuit, and no cases were filed as of yet, so we had time to file before we lost anything. This would give them time to better prepare our case, and plan, and do any corrections necessary.

On February 14, 2008, we found a hand written note on our door that we needed to vacate our home. We had 3 days to vacate. This included a name of Ben with Bargello Properties, and a phone number. When I called Ben he told me that he had purchased our home for $63,000.00 at a public auction on February 5, 2008 from a Jack Palmer, Trustee, who I have never heard of before. We received no notification of the sale, no notification of anything from Wells Fargo, nor from Brice, Vander, and Linden, their attorneys. When I contacted the lawyers for Wells Fargo, I was told that our house went into foreclosure on December 25, 2007, Christmas Day, and that a notice was served at our address on January 14, 2008.

In what I have read on the internet, there are laws to protect a homeowner, and an attorney must follow these laws and give proper notification prior to the sale of your home. They should have filed something in the courts to pursue the foreclosure, and sent notice to each individual on the loan, on two occasions. As far as I know they did none of this. Our second home equity mortgage was suppose to be notified, and they did not receive notice either. Our attorneys did not receive notice. We have paid on this home for 20 years. It is nothing fancy, however, we love our home. They stole our home from us. Also, they did not collect enough money to pay the first loan, second equity loan, nor any judgements that were on the house. I simply do not know what to do. I can not believe that this is possible. I wish to get my home back. Perhaps even file a civil suit. Can you help me? Or tell me who I should contact. How can they break the laws and get by with this? Please, please, help us if you can. I would appreciate any advise, or direct that you can give to us. We love our home. The trustee paid Wells Fargo a lot of money in 2007, and they still sold our house.

Our house was sold on the court house steps, without our knowledge, without any notice.

I don't want lending institutions pulling credit report because an inquiry lowers your fico score. Besides, I did not ask them nor authorize them to pull my credit report.

$47,000 was going to pay off our truck & loan saving us $600/mo. Also we had started getting bids to replace our windows in our home for more effeciency and lower utility bills. Our credit report now shows 3 hits from this company resulting in lowering our credit scores.

I now have to wait for my bank to reimburse me the $600.00 plus overdraft fees. I cannot pay my bills until this is handled, making my bills late.

I am letting my home go into Foreclosure beacause i cannot keep up with $2,300 a month payments on a condo built in 1980 2 bdr 1 bath 800 sq feet on my own! I had a 700 Fico score before all of this, now i received papers on my doorstep for NOtice to vacate my property in 10 days by Stanislaus Court! I am scared confused and i have contacted the dept of real estate attorneys everyone but time is running out for me and i have given everything to my bank to reinstate my loan around $10K and i am still being kicked out!

Here are a few examples:

**Rob quoted to Angie (seller) what to state on her sellers agreement form

**Rob told her she would not have to pay any at closing even though the paperwork said she would

**I was charged an additional $200 for the appraiser to drive back to my home and see that a repair was completed even though she told me I did not have to do the repair.

There is much more but now, lets move on to closing. Rob repeatedly delayed our closing date to the point that the seller threatened to drop the whole thing if he didn't get it over with. The day of closing, he told me to bring a cashiers check for $550 and that would be all I needed. The seller and I agreed that she would pay no closing. When we met at the attorney's office, we were suddenly told that the numbers were 'a little' off and we each would have to pay over $1,000 closing cost! We both said we couldn't and made Rob get the problem straightened out. Then he tells us that, according to the underwriters, I cannot pay more than $375! (So how did he come up with $550 cashiers check??)

It was finally settled at a little less than $2,000 in closing costs but Angie (seller) was led to believe some of her part would be reimbursed from interest on the old mortgage. Rob knew it would not be but did not tell her this. After all this was completed, I hoped to put it behind me and be happy in my home. Then, I receive a letter stating that my first payment was due 11/01/05 although MY closing paperwork says 12/01/05. I called to explain this, faxed the main office a copy, and was told that there were a number of 'discrepancies' that were being looked into concerning my closing.

After that, I continued to receive overnight packages asking me to sign the paperwork that they were 'missing' from my closing. Each time, it was the same set of papers where the first payment date had been changed from Dec to Nov. I did not sign theirs but sent a copy of mine instead. During this same time, I received a visit from a gentlemen saying he had been sent to do my HUD inspection. He was aggravated and upset to find out that we had closed on Oct 5 since it was the middle of Dec that he was sent to do this. He stated that we should never have closed without this inspection report. I was never told anything about an inspection of any kind. There are numerous pieces of information that I am not including because of the length of this complaint.

The regional manager, Cliff, handled things with incompetence from beginning to end. Here is the quick version of what transpired. Cliff asked an appraiser to come to our property and assess the value. The appraiser clearly was not familiar with our region because he got lost on the way to our property. He was confused about what his assignment was and I had to clarify to him that he was not to assess the value of the current house on our property because it was to be taken down after the new house has been constructed.

He spent less than five minutes assessing the site and asked no questions. He never called the builder to ask questions about the new construction. Our loan officer called a few days later and told us what the appraisal had come in at, and even he agreed that it was a ridiculously low figure with no basis in the reality of our local market.

I consulted other individuals who knew about real estate in our area, and they all told us that the assessment did not come in at a fair market value. Interestingly (and this is an important point) no one from Wells Fargo or from Value IT ever sent us the report from Cliff’s appraiser. However, I did glean some info from phone conversations with our Wells Fargo loan officer and from our builder. Cliff told the loan officer that the appraisal was low because he couldn’t find the value in the LAND. Cliff told our builder that the appraisal came in low because he couldn’t find the value in the CONSTRUCTION.

Then he told the builder that there is a need to control the market (and Cliff must be the self proclaimed controller in our area). I asked for information from the loan officer concerning what comparables were used in the appraisal and I only got sketchy information. My husband and I didn’t know what to do, so we tracked down some comparables in our area and FAXED them to Cliff so that he would have some idea of what new construction is going for in our area. Then I wrote directly to Cliff (on 4-13-05) to let him know that there was no way that my husband and I were going to accept an unfair appraisal of our property. He never wrote back to me directly and Wells Fargo never sent me the details of what comparables were used.

Being that Cliff was not very quick on the draw, my husband and I wrote to our loan officer and informed him that we needed to move on to another bank. The loan officer apologized and actually helped us make the transfer to another bank. We NEVER heard anything from Cliff, so I assume that he didn’t mind losing our business. Unbelievably, the day we changed banks, our new loan officer called and was surprised to learn that we had never received a copy of the appraisal (which had been passed along to her). I told her that I wanted the copy even though my husband and I were not going to accept it as a legitimate appraisal. She FAXED it to us that same day and with the appraisal in hand, we went around and visited the properties that Cliff’s appraiser had listed as comparable properties to ours. It was only then that we saw the joke. He had selected half swamped properties with cookie cutter box houses as comparables to our custom contemporary home on a beautiful 3 acre, very private lot.