Wells Fargo Mortgage Reviews

I am still receiving the bi-weekly calls, but there has not been any progress since July. The original six weeks is turning into six months. I asked the representative, Brian, why it was taking so long to complete a closing that was just a matter of changing my interest rate, especially since all my documentation was complete, and my credit is in very good repair. What happened to the original six weeks? His constant response is that they didn't expect such a large number of customers to take advantage of the offer. Wow! You make an offer that customers can't refuse and you prepare for the response?

But I would just like to speculate: Wells Fargo is waiting until the Presidential Election is over to see if President Obama will be reelected, since he initiated the mandate that banks lower the interest rates for families (like me) whose credit is in good repair and are upside down with their mortgages. In the unfortunate event that President Obama is not reelected, are they expecting Governor Romney to reverse the decision that is intended to boost the economy and put money back into the pockets of Americans that both of the Presidential candidates say they care so much about?

Wells Fargo, please do what you promised you would do and stop fleecing the pockets of your mortgagers. I hope there are a great number of eyes looking at you and I hope that there are laws to point out that what you are doing is unethical to the point of being liable.

Next, they wanted a copy of not only my last 60 days' bank statements, but the last 180 days! No problem - got that, too. Next, they wanted my last two years' tax returns and a statement from my mother that I live with her. What?! Okay, so I sent that to them. This is now over eight weeks since the first application. WF ordered the appraisal and it was completed. Then to send me over the edge, WF called me three days before the closing to tell me I've been denied! Mind you, the closing was set for 10/31 and they called me on the afternoon of 10/26. When I tried to contact my "sorry excuse of an adjuster" back, he left for the day and no one else could assist me. He only just returned to the office today, 10/30, to send me an smart-ass email about my original earnest money and that I would receive a formal letter in two weeks! I found an email address for the WF's Board of Directors and sent all of this information to them. Stay away from Wells Fargo! They will drive you to the extreme!

According to Federal government home loan modification program (MHA), I qualify for modification/refinance based on these grounds. This is the detail of the hardship affidavit: One, my household income has been reduced since year 2005. My husband is suffering with kidney problem. Both of his kidneys failed in year 2008 and then he had a kidney transplant. Due to my husband's critical health issues, he is unable to put that many hours at his work, resulting decline in business earnings. His income went down by almost 90%. Please see our income tax return for 2009, 2010 and 2011.

Two, our monthly debt payments are excessive: a) Additional monthly payment due to IRS liens; b) Additional monthly payment due to my husband's bankruptcy; c) For the past 5 years, I have been trying for refinance. As of today, I made all the payments - I was never late. But due to that, I borrowed money from my 401K account and from credit cards and made payments towards my mortgage account. But unfortunately, I didn't qualify for refinance due to high debt to income ratio. Three, my expenses have increased. Our medical expenses have increased, due to my husband's and my older daughter's health issues. Both of them are suffering with serious health issues. Last year, we paid almost $12,000 for medications and co-payments. Four, my cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time. Please see details of our medical, gas, utilities expenses, etc.

As of today, I have applied several times for modification or for refinance. But each time, they disqualify me for either one of those programs. Just recently, I was informed that they denied our modification because my loan type is pick-a-payment. Therefore, I do not qualify for any of these programs. Also, they were not sure whether it's Wells Fargo loan or FNMA. They got us into a type of loan misleading. This is happening to many homeowners. This is intentional and it is criminal. I feel Wells Fargo has lied to me about my paperwork and charged me more than they should have. They have caused more stress on me and my family than you can ever imagine. I was never late on a payment and I earn enough income to pay for my mortgage - if approved for the program Hardship Loan Modification or for refinance. I am asking you to help me to lower my interest rate and give us back the high interest payments that we have made to the Wells Fargo Bank.

We finally made head way, and they (Wells Fargo) realized that they made a mistake, and the bankruptcy trustee had all their funds, and we had paid the trustee on time, and we had paid Wells Fargo on time for 12+ years. Then, we were told that the Trustee Sale was cancelled. Well, Wells Fargo didn’t file the right paperwork, and they sold our home at an auction when, in fact, the bankruptcy trustee had all of our mortgage payments and the bankruptcy lawyer with Wells Fargo was not even aware that this had occurred. Now, we have to sue to get back what never should have been taken. Not only are we in a legal battle with Wells Fargo, but now with the person(s) who now claim they own our home. We had our accounts with Wells Fargo for over 15+ years. We have since moved our accounts to another bank. They are crooks, and the miscommunication and "not our problem" attitude is unacceptable. We do not deserve this heartache and stress!

Needless to say, after having to walk away from three properties and waiting a month and a half for a conventional pre-approval, it was explained to me yesterday that I was denied based on my student loan debt. Wells Fargo told me this would not be included. But my ex-loan officer explained to me that they did not read the guidelines correctly and that they missed that aspect of the application! Bottom line is, I have gotten nothing from Wells Fargo. I fired them yesterday and I am looking for new home mortgage financing. Stay away from Wells Fargo!

I explained to WF that they set it up wrong and my dad never authorized to send the money before his retirement funds would be in his account. They acknowledge their mistake but they would not seal it in a letter. After months of sending letters and numerous calls, they waived the late fees but will not remove the late payment so my dad can qualify for a better rate with the HARP 2.0 program. I contacted Fannie Mae, the three credit bureaus, and FTC. Nearly a month ago, I recontacted WF to do the HARP again, and they said we need to wait another 6 months because of the late payments. But they are waived. I went through all this for months and they are not together at all. My father pays more than a three-thousand-dollar mortgage and his health is deteriorating. I called other lenders, but because of the late payments, we cannot refinance with any other lender. So we are in a jammy. Please help.

Therefore, I didn't pay May's payment. June came around, I told her I could make my payment. She stated to pay what I felt I could afford to give them an idea of my new payment. I paid only $500, again I paid $500 for July and $400 for August. In September 2011, I told her I could make my full payment. She said, "Don't worry about it. We are working with you." Then the next day, my local bank called and told me I was in the paper for foreclosure in Oct. 2011. I was a basket case!

I called Bianca, asked her what was going on. Again, I was told not to worry about it, she was working with me, but Wells Fargo wouldn't accept any further payments from me. Also, the ones I did make were not applied on my statements. I asked her what I needed to pay to reinstate my loan. Bianca plainly stated that if I had that kind of money, I didn't need to be speaking to her. Then she told me my case was closed. Wells Fargo would be foreclosing on my home. Then, Jason ** called from Wells Fargo Home Preservation/Collections Department. I spoke with him for about a month. He felt I should do a short sale. That was not an option to me. This is my home! I was never late on my mortgage until this happened.

Then Ashlee ** from Wells Fargo called me from Executive Mortgage Specialist, office of the president. Ashlee suggested that I speak with Stacy **, Executive Mortgage Specialist, Office of Executive Complaints. In Jan. 2012, Stacy told me to pay $600 a month for a trial period of three months. If I complied, I would get a modification on my loan. I complied, never missed a payment. In April 2012, Stacy told me they were going to do the modification/forbearance of $765.55 which would include escrow for my taxes and insurance for three more months. I complied with every payment, never being late. My original payment before this started was $774, not much help.

Now, Sept. 2012, I am told all the monies I have paid in the last two years went to Wells Fargo attorney fees. Wells Fargo will do the modification with a second mortgage for the past due balance of $10,414.89, escrow overdraft for $1,428.90, recoverable Corporate Advance $6,166.90, unpaid late charges of $463.03, other unpaid charges of $125.82, total contractual and other fees and charges of $137.82. The amount due now on my loan is $170,204.26. This has been added to my original balance two years ago of $151,000. Now instead of owing $151,000, I owe $170,204.26 making it impossible to stay in my home.

At this point, I don't know what is going to happen. It hasn't been a happy place to be in for the past two years. I am, and always have been current with my property taxes and my homeowner's insurance, as well as any obligations. I will do without to make sure I pay my bills. This incident doesn't reflect me as the person I am and it has been very upsetting.

In mid August, we received the results back from the VA appraisal and that there were only minor repairs that according to the appraiser did not affect the livability of the house. Having gone through the VA before and knowing how strict they are with repairs, we asked our loan processor on August 23rd if those repairs needed done and if so, who was to contact Fannie Mae. On August 27th, our processor emailed back that the appraisal had been approved and we were ready to move forward. We were excited to be moving to a great school district and so asked our processor if the loan was going to go through because we wanted to know if we should send our kids to the new school even though we would not be closed by the start of school. She informed us that the loan looked really good and we were very close. On her word, we open enrolled our children in the school and assumed we would only be making the 20-minute commute to the school until September 20th.

In early September, we started asking our processor what she needed and what the underwriter was waiting for. We never got a straight answer and were only asked once a week for copies of our paychecks on a weekly basis. Two weeks before closing, we started to line up renters for our current house but again wanted to make sure that everything was going to go through before we promised our house to someone else. We asked two processors who were working on our loan how things looked and if they thought it was going to go through because our renters needed to know to give their landlord notice. We were informed by both that there should be no issues and that everything looked good to go. We now thought we had everything lined up. The kids had started at a new school that they loved and we had great renters lined up. One week before closing, we again started pressuring Wells Fargo about what they were waiting for and if they needed anything from us.

They said they were waiting on tax verification, in which we later found out was never ordered until one week before closing. We asked in five emails what else they needed other than the tax verification from the IRS so that we could get everything around while we were waiting on the verification. They told us that was all they were waiting for. The verification finally came through and we were informed we should be ready to close. My husband and I started to get really concerned on the Monday of closing week when we had heard nothing from Wells Fargo. Our realtor and the sellers’ realtor had been trying to contact Wells Fargo and they never returned any emails or phone calls. They did contact us through email and said there were no issues and we are good to close Thursday and that the loan was in the final underwriting phase.

On Tuesday afternoon at 4:00pm, Wells Fargo told me that the stamp on one of our bank deposits we provided was not dark enough and I needed to get a new copy of the deposit slip. Obviously, the bank was closed at that point but I took off of work in the morning to get the bank deposit slip with a darker stamp on it. At that point, I was told that was all we needed. On Wednesday, one day before closing, our realtor and sellers’ realtor really started putting pressure on Wells Fargo, asking them for answers. Wednesday afternoon, we received an email from Wells Fargo asking, "Have the repairs been done?” We were told on August 27th that the appraisal had been approved and nothing further was needed. The repairs are very minor and could be done in an afternoon but would have to be re-inspected by VA appraiser which could take up to six weeks! This was sprung upon us one day before closing. Fannie Mae was never contacted about the repairs that needed done and their representative was ready to walk when the contract expired.

At that point, we figured there was nothing we could do to make the deal close on time. Wells Fargo informed us there was nothing they could do because the VA required the repairs be made and re-inspected. We were at a loss, but the next morning we caught a break. Our realtor knew someone who works for the Congressmen Bob ** and contacted someone in the Veterans Affairs Administration who was willing to sign a waiver stating the repairs would be waived as long as we signed an addendum that we would do repairs after closing. My realtor and I were in tears that someone had backed us up and we thought we had got the pass we needed. Then the wrath of Wells Fargo struck again! My realtor had asked for exactly what Well Fargo needed before and everything had been fulfilled. The afternoon of closing, we were informed that we needed an explanation of one of our deposits from three months prior that was given as a gift from my grandmother. They needed her to sign a gift letter and that was the final thing they were waiting for.

I immediately left work and was willing to make the three-hour drive to get the letter signed since my 90-year-old grandmother does not have a fax machine. We ended up finding a realtor in the area who would drive to my grandmother’s house and have the letter signed. It was returned to Wells Fargo by 2:00 pm and we were still thinking there was a chance to close. Then Wells Fargo did it again. The flood insurance we had gotten weeks before was not sufficient because we needed it on the pole barn as well. We would need a new survey and an updated policy. At this point, I was so frustrated, called the surveyor, and begged him to fit us in so we could get this closed. He agreed to go out first thing in the morning before his other appointments and our insurance agent said they could have the figure to Wells Fargo by noon. We informed Wells Fargo of this and Fannie Mae agreed to extend our contract a day. At 4:30 pm, we were sent another email from Well Fargo that we needed Employment Verification as well, again something else that Wells Fargo forgot to do.

Our insurance agent sent over documentation today and our loan processor has decided to take the afternoon off! We have missed our closing date again. We have jumped through every hoop possible for Wells Fargo and I am beginning to come to the conclusion that Wells Fargo just can't find anyone else to sell our loan to and has no intention of closing our loan. We have uprooted our children to a new school based on Wells Fargo communication that everything looked good and should close with no issue. We have had so many ups and downs the last week and are completely at their mercy. Wells Fargo staff has been rude and unresponsive. One processor informed me that I should feel lucky to even be considered for a VA loan because they are very hard to obtain today. My husband has served in an active duty deployment as well as the reserve and we have worked very hard to be at the point where we are financially. I have felt many emotions over the last week and I can guarantee that not one of those emotions has been lucky.

My brother and his wife applied for the same program at the same time and were also told that they didn't make enough money to pay the reduced mortgage. We believe this company is deceiving its customers in offering such a program. We are not late nor have we ever been late on our mortgage, but the possibility is there due to my husband's overwhelming medical bills. My brother also applied for this program and was also turned down and told he didn't make enough money to pay the lowered mortgage.

Buying a home in today's climate is a real challenge, especially since my son is a new lawyer in Miami and this is his first mortgage. You would think that Wells Fargo would want to create a positive, long-term relationship with my son who can bring many years of business to them. Instead, my son has told me several times that Wells Fargo simply does not care! A recent incident illustrates this. My son has done everything requested from the back and closing people. First, the appraisal was several thousand lower than the asking price that Wells Fargo has set for the home. This resulted in a one month delay as the contract had to done over.

Next, one week before a second scheduled closing, we found out that there was a $47K second mortgage on the home. Now please keep in mind that my son has been working on this purchase from since October of 2011. Amazingly, for 10 months, no one informed by son of this outstanding $47K second mortgage until a week before the scheduled closing.

The holder of the second mortgage, GMAC, did not give my son an offer so he could satisfy the second mortgage until a week ago. He agreed to their offer, but was then told by Wells Fargo that he had to complete the closing within 5 days! There have been many errors in this process over the 10 months of my son's involvement, but all of those errors have been directly caused by the banks and realtors conducting this transaction, not my son! Now Wells Fargo tells my son that he must close by September 5, or lose the entire purchase. This has been a sad comedy of errors while my son did everything he was asked. How reasonable is this deadline when one considers all of the hurdles that had to be overcome with this purchase?

Wells Fargo is unreasonable and clearly does not care about the satisfaction of its customers. It doesn't matter that their deadline is totally unreasonable, especially when it is considered that one additional delay for one week would give GMAC the time needed for them to submit their required documents. I would advise any perspective home buyers to avoid Wells Fargo. You want a bank that is far more cooperative in working with you on your new mortgage.

The total for the appraisal was around $400 out of my pocket. I also took time off from work so I could get this done. Before the appraiser left, I asked him how long it would it take for him to do his report and hand it over to the bank. His response was 2 days. The appraisal was done on a Thursday and he said it should be in the bank’s hands by Monday morning. I called Lucy back on Monday afternoon to check in. She said she hasn't received the appraisal because "the appraiser was sick over the weekend and couldn't finish it". A few days later, Lucy sent an email asking me to sign and return a subordination form for BECU. I signed the form and faxed it back to her as soon as I opened the email; 2 weeks went by and no contact; I called, no answer; left messages, still no answer. Finally, I sent her an email stating that I was still interested in refinancing and was not sure why she was not returning my messages. I got an email response within 30 minutes stating that it takes time for BECU to respond to a subordination. Fine.

I replied and asked if I could get the contact number at BECU to see if I could help speed the process along; yep, no answer. After a long period of no contact or updates from Lucy, I kind of gave up and forgot about it. June rolled around, and out of the blue, I got a voicemail from a Sean Patrik ** from Wells Fargo. Sean told me that he is my new loan assistant and he will be taking my file from here on out. He just wanted to update me and told me that BECU finally agreed to the subordination and that my paperwork will be sent to the underwriters for review. He also went as far to say that I should be expecting to close within 2 weeks. Two weeks went by and Patrick emailed me asking me to fax my most recent bank statement; OK, done. Another 2 weeks went by, and guess what, I now got a call from a lady named Tara from Wells Fargo stating that Sean is no longer with the bank and she will now be taking over my file. Are you kidding me?

I told Tara that I've been at this since April. I asked her what the status of my file was and she said that none of my paperwork has been sent to the underwriters and that I would need to send her all of the required documents again! I asked her what happened to all my documents that I faxed last April? She had no excuse and could only say that they obviously dropped the ball. Frustrated and furious, I told her that I would not be sending any more documents and that she needs to go find my paperwork. Around mid-August, I got a voicemail from Tara stating that she "learned some new information" pertaining to my loan and that I should be receiving a letter in the mail. Two days later, I got the letter stating that I have been denied for a refinance because I have a credit score of 757. Ummm, yeah. I called Tara and left a voicemail wanting her to explain the letter. To no surprise, I got no call back. Wells Fargo, you fail to the most epic levels ever! I hope (and I know I'm not alone) Wells Fargo will be the next bank to go under.

It's been 5 days and I haven't received the promised information. I emailed their (so called) customer service and their response was for me to call the refinance department, same number as before. They didn't say we will get that information to you immediately but instead told me to call. That's what I've been doing. The definition of insanity is to do the same thing over and over and expect different results. I have excellent credit and can go to another financial institution. Wells Fargo has no respect for my time or me. You can't even make a deposit there without an issue. The customer service is non-existent.

Prior to this date, I had been calling their customer service for real estate and the representatives said they would send an email to their department requesting immediate action. Well then I was told I had to go and identify myself and have someone witness the original trust, which I did on 08/16/2012. Mr. ** called their department to confirm if they received everything they requested. I called on the 17th of August to see if everything had been updated on their computers. I spoke to a Mr. **, who said they needed me to process a password. Why no one told Mr. ** this when I went to the bank on the 16th is beyond me. I went on the the 17th of August to do this. I went before 11AM California time. They said it would take 24 hours to process. I called on the 08/20/2012 and spoke with Justin, a representative, and it is still not updated.

I feel like these workers are incompetent and do not know their jobs. In the meantime, the buyers are wanting to back out of the sale as it's now 7 days past closing. I explained that my family does not have the payment for my mother's home for August as we all have our own mortgage payments. We were able to keep the payments for June and July. Does Wells Fargo want us to lose the buyers so the home ends up in foreclosure or we have to lose money to them? I am not understanding how long it takes to input information into the computer and get a payoff, which is computed by the computer. I am the one taking the heat of distrust from family members, who do not believe this is taking a long time.

I am diabetic and the stress has caused me to have to take more medication for diabetes and high blood pressure. Does anyone know what else can be done to get this bank to do their job in a timely manner?

The bank is spending thousands of dollars to kick us, then to sell it for a loss, when we are close to obtaining the funds to negotiate. But they don't care. This is like going for the winning prize with no regards of the people and small business. They are destroying. Please let me know if you can help me fight this powerful law firm. We only want short time to reorganize and settle with them. What is going on? The banks with their monetary power are killing the struggling middle class and empowering the small business. Who is going to halt to this situation? You can contact me at **.

We ended up having to file Chapter 13 bankruptcy. The terms of our bankruptcy is having an automatic withdrawal of $3000 deducted from our checks, which limits our incoming funds greatly. We hadn't re-paid the bank due amount to Wells Fargo, when in April of this year, they pulled themselves from the bankruptcy. Since then I have been trying to work with Wells Fargo Home Preservation Department (I don't know why they call it that, they don't preserve your home) and was assigned a specialist by the name of Meghan **. She was able to send me letter after letter requesting documents, yet on the numerous voice mails I left her over a month's time, she could not return one call. In addition, her hours were from 7 - 12 Monday, Tuesday, Thursday and Friday. How are you supposed to contact her when she's hardly in the office?

Two months had gone by when I received another letter informing me that I was then assigned another specialist, Scott **, and surprisingly, he answered the phone. I will admit that he was very helpful and did keep in contact with me and advised me of the status of my request for modification. Ultimately, they denied our request. It seems that we made enough money to pay the mortgage - that's it though, we had no money left to pay utilities, eat or put gas in our cars. Wells Fargo put a sale date for August 6th, meaning I have 2 days to pay the past due amount in full.

The loan specialist told me that the amount to pay is $13,646.09 which I have. When I asked where to send the funds, they transferred me to the bankruptcy department in which I was then told that the reinstatement amount had to come from their attorneys, Gray & Associates. I contacted Gray & Associates and they advised me that it would take 3 to 5 days for the letter and I could not pay the bank due amount until they got the final number from Wells Fargo including the attorney fees which is another $3100! I asked the attorneys if they would be willing to make arrangements with me to pay the fees at a later date and they told me only Wells Fargo could authorize that.

When I called Wells Fargo back, they told me that they could not make arrangements for the fees, even though I had the money to reinstate the loan. I explained that I was willing to pay the attorney fees if they would just instruct Gray & Associates to collect the past due amount. I also asked them that if I was bringing the loan current, why do they still have to collect the attorney fees - they had no answer for that. They ultimately told me they would only reinstate the loan with the past due amount and the attorney fees. I asked to speak with a manager to explain why they still had to charge the attorney fees and they denied my request.

I do not know why they even have a department for "home preservation" because they do not make any attempt to try and assist you in keeping your home. I had perfect credit with them, not one missed payment until the disability with my sister occurred. All Wells Fargo does is drag you along, requesting more and more paperwork so the fees and the past due amounts keep piling up until there is no way that you can bring the loan current. Wells Fargo is the worst and when I bring my loan current, I will make every attempt to refinance the balance of my loan with another bank because I do not want to give them one more penny. I will never use them for anything. I will ensure that I tell every single person I know the experience I went through with them.

Wells Fargo is another greedy bank that wants to foreclose on every property they can and then not even take care of it. Once they sell it and get their money, it will just be another empty house sitting on the street with overgrown grass and peeling paint.

Subsequently, I applied three times for a modification and after lengthy time periods which negotiated the process, I was refused. I have received all the same harassing calls others have, but when I told them I was recording them (Connecticut has a one-party knowledge on recordings), they said they couldn't talk to me. If I ever missed a call, I would call them back and put them on notice I was returning their call. Most importantly I have never gone over the thirty-day period of being late with a payment.

To this day, I have received no help from Wells Fargo. When I ask about the HARP program, they rudely state that I do not fit the criteria (**). What also bothers me is that I get letters constantly from a Shaun ** who states in the letter that she enjoyed talking to me today and I have never spoke to the woman. I am a retired police detective and I keep records of times and dates of anyone I speak to from Wells Fargo. I could go on and on, but my intention here is to make it known that I too would like to join any class action suit against these communists.

The manager brought me to the office, only to tell me that my application had gotten stopped by the underwriter because of a VOE (verification of employment). Well, since I work in HR I called my office, notified the person who handles those requests, and she agreed to fill it out as soon as she got it. I went to have lunch, went back to Wells Fargo and the manager still had no update for me. I called my office and they still had not received the request. It was now 1:30 pm. My co-worker did not receive that request until after 4:00 pm. The image did not show in the Wells Fargo system for the underwriter to see it until the next day. The whole time I was asking for updates and once again my emails and phone calls were ignored - until I finally left a message saying I was on my way to the office again. I received immediate feedback.

They then contacted the insurance company to ask for a policy number when everyone in their right mind knows that you do not get a policy number until the purchase process is complete. That delayed my closing yet another day. The most frustrating part was that I was out of contract and at risk to lose the $9,000 I had given as a deposit for the house. It was frustrating knowing that my money could be lost at anytime throughout the process and no one in that office could even be sympathetic towards my situation. They caused the delays and never even apologized.

Keep in mind that our payment history is 100% on time with automatic payments through Wells Fargo and our loan is not high risk. Also, Wells Fargo even included these same guidelines, citing the Homeowner's Protection Act of 1998, when it sent out our projected escrow balance and payments for the year! Yet, they refuse to cancel our PMI until we reach 75% LTV! So after getting nowhere with Wells Fargo, we filed complaints with the Kansas Attorney General, the Better Business Bureau, the Federal Trade Commission, the Consumer Financial Protection Bureau, and Comptroller of the Currency. Wells Fargo responded twice to these complaints but stood by their insistence that we must reach 75% LTV in order to cancel PMI.

Thomas ** sent a response on June 19, 2012, in which he contradicted himself and included half truths. The letter stated that we are required to maintain PMI until the LTV reaches 80%, but the documents he attached, as well as one of the options in his letter, stated that we need an LTV of 75%. He also stated that an appraisal is "required" when the Homeowners Protection Act says the appraisal is needed only if the mortgage company requests it - it is not a requirement. Two of the options he included require appraisals, which would establish current value. One option would require 75% LTV while the other requires 80% LTV. If that isn't confusing enough, the Appraisal Order Authorization he included in his letter does not offer the 80% LTV option.

Kelly ** with Wells Fargo called on July 9, 2012 at 5:44PM to discuss our complaint. She still insisted that they can require 75% LTV before cancelling PMI even though the signed Private Mortgage Insurance Disclosure document from our loan contract says 80% LTV is all that is required. She had no explanation as to how the 75% was decided except that it's a requirement of Fannie Mae. Fannie Mae's website clearly states 80% LTV. I pointed out that we have no signed contract regarding the 75% LTV so how can they change the terms of our contract without our permission? Further, she attempted to walk back the automatic termination of PMI section of the contract that states that PMI will automatically terminate on March 1, 2013 by saying termination is not automatic despite what our contract states.

This is breach of contract. Just because Wells Fargo is a huge bank doesn't mean they can treat people like this. They must follow the terms of a signed contract, they cannot make unauthorized changes! Wells Fargo purchased our loan, we did not seek a loan from them. They purchased our loan in total and must follow the terms of the loan in total. The only protection we have is our signed contract and have every right to expect that the terms of a legally binding contract are honored. Wells Fargo must be held accountable for this breach of contract. We would welcome the opportunity to pursue legal action but, as one customer, we don't have the financial resources it would take to fight them in court. If a class action lawsuit develops, we will immediately join.

What this boils down to is this: We have signed loan documents stating that we can request cancellation of PMI when our LTV reaches 80% on July 1, 2012 and that it will be automatically terminated when our LTV reaches 78% on March 1, 2013. There are no documents, containing our signatures, that mention anything about a 75% LTV requirement. In addition, we have made our loan payments 100% on time. Nothing Wells Fargo reps say changes these facts. The double-speak, half-truths and outright lies serve only to confuse borrowers and set up smoke screens these banks hide behind in order to cheat the consumer. The three times I called Wells Fargo regarding this issue, I spoke with customer service people who offered refinancing as a way to remove PMI immediately. Everyone one of them made this offer. However, none mentioned the 80% LTV option - all insisted we had to reach 75% LTV.

So they won't cancel our PMI at 80% LTV, but we can pay to refinance and that would take care of the issue. What we are going to do is refinance, but with a local bank that does not sell their mortgages. If enough consumers can do this, big banks like Wells Fargo will be forced to change their deceptive practices and begin to value customers once again.

Apparently, he unenrolled me from their EZ Pay plan! Wells Fargo has drafted my bank account for the last 7 years, every single month. Suddenly, my payment was not drafted. I called them and they say that on May 31, I cancelled my payments on the website. Please, anyone who has a mortgage with them see if the functionality even exists! The only payment option on the site is to make a 1 time payment from another Wells Fargo account. Customers do not even have access to unenroll from EZ Pay!

That is fraud on their part. That representative modified my account without my permission. I am refinancing with another company at this moment and now have a 2 week late payment. Thanks! Oh, and the icing on the cake is, I do have a Freddie Mac account. I spoke to Wells Fargo twice and they said I didn't, but I can go to the Freddie Mac website and type my address in and it confirms it. I am refinancing with Quicken under the HARP program for Freddie Mac insured loans. Very poor business on Wells Fargo's part. They have permanently lost a banking customer once I close this account and refinance to another company.

I cried my heart out writing the hardship letters thinking that a higher power had finally come into my life and save our house. But it was all the same, your people treated us without any shame, compassion or any understanding of where we will be living in the next few months. My son needs special attention, special bed and care. My wife and I still haven't had a chance to grieve for the loss of my older son, yet Wells Fargo only sees the big $ sign. My family and I are in limbo. We all have depression and feel like the great American dream that we worked so hard to get has been pulled from our feet. The loan on the property is not really a loan that can be negotiated, it is like a stock, many people owed it. Is this our fault? I say not, it's the practice of selling loans and the small writing in the contracts that count, the writing an excited new home owner doesn't read because his family has a place to live and grow. Wells Fargo has taken more than a home from me.

It has taken my life; a place where my children, plants, and palms all grew up. A place where we spent 10 Christmas days, many birthdays and graduations, a place where my wife and I could sit and read the paper and feel secure and relaxed knowing the kids were at school and a place where we felt at home. We ask ourselves where we go from here and we really do not know. All banks have turned their backs on us. People we knew, even like Shannon, can't help us.

I am a responsible, single, ** professional woman with a 750 credit score, who wanted to capture my slice of the American dream by purchasing my first home. I pre-qualified for a mortgage with Wells Fargo Home Mortgage, Robert **, Branch Sales Manager, ** on November 17, 2011. I found a house I wanted to purchase, hired a real estate lawyer and paid for a home inspection ($600.00). On January 21, 2012, I presented an offer to purchase the house. On instruction from Wells Fargo, I forwarded the home inspection findings to Wells Fargo and proceeded with providing all the necessary documents to solidify a mortgage. On February 28, 2012, I received the first mortgage application and what seemed to be an approval from Wells Fargo for the purchase price. I was told by both my lawyer and Robert ** to send my 3.5% deposit ($7,630.00) to the seller's lawyer and it was posted on March 7, 2012.

On March 6, 2012, Wells Fargo appraised the house and found the house was valued lower than the sales price. The seller and I agreed to the lower price and signed a contract of sale on March 28, 2012. On April 16, 2012, I was told by Robert ** and his office to purchase homeowner's insurance. I was told that it was necessary to secure the mortgage so I got homeowner's insurance from State Farm insurance for $2000.00, money that has not been refunded to me as of this time. On April 18, 2012, I received a Time of Essence letter stipulating that I will lose my deposit and be liable for any other losses if we do not close on the house by May 1, 2012. My lawyer and Robert ** kept emailing back and forth several times and Robert assured him that the file was with the underwriters and everything might be set for closing by May 2, 2012. I received my second completed mortgage application on May 4, 2012.

On April 30, 2012, Robert ** sent an email stating the closing will be stalled again because the underwriters wanted a second appraisal of the house and a bunch of red flags had popped up. I did not understand what was going on so I decided to go to Mr. **'s office to meet with him personally. Prior to meeting with Mr. **, I received an email that with a second appraisal, the house was valued even less than the first appraisal and I would have to provide an additional $7,000 on top of my down payment ($7,000) and closing costs. If I did not have this additional funds, I will have forfeited my deposit and lose the house. I went to visit Robert ** on May 15, 2012 to discuss the situation. I was told there was a lot of misappropriation and oversight of paperwork and misunderstanding, but a second inspection, l will fix everything.

Robert ** went on vacation for Memorial Day weekend and did not return any emails or calls from my lawyer since that time. On June 4, 2012, I had to pay for services rendered to my lawyer, $1,477. I was treated unprofessionally by Mr. ** because he has not returned any other emails or call.

I called Wachovia to let them know we were going to be facing financial problems and if there was anything they could do to help us. The woman I spoke to was very helpful and told us they could put us on a hardship plan for six months in hopes of getting our finances in order. Before I accepted the plan, I asked her if things got better and I was able to find work and felt that we could afford our regular payments again, if there would be any penalties in stopping the plan and going back to our regular payments or if there was going to be some large sum we would have to pay before we could do so. I was told no and that any payment that we were behind on would go to the rear of the loan and we would just start making our normal payments.

I went ahead and took the offer. About three months into it, I was able to find work and felt that we would be able to make our payments again. At this time, Wells Fargo was taking over the mortgage department of Wachovia, I called Wells Fargo to let them know I was back to work and felt that we could start making our payments again. I was told by Wells Fargo that I would have to pay $4,000 to bring the balance current in order to make our regular payments. I explained to them what I was told by Wachovia, but they would not accept the terms that were told to me.

I asked if there was anything they could do to help us. The only thing they would offer us was a loan modification. I had no idea what this was really about; even when they explained it, I still was not 100% sure what it was I was getting into. I filled out all the required documents they requested and was placed on a forbearance payment plan during the process. I kept in contact with them throughout the process and made the payments required by them. During one contact, I was told that it was still in review but that I was missing some of the forms that were requested. I resubmitted everything they requested. A few weeks later, they told me it was denied because of something to do with 31% income-to-debt ratio thing that was not even explained in detail what that meant.

I was offered another loan medication plan and forbearance payment plan. And it seemed like the same process I had already been through, but each time, I had to submit forms to them. Our finances got better, and my income increased. We were still being denied the modification. I cannot recall how many times I submitted everything they wanted, but during one of the review processes, I was handed a foreclosure package from their attorney's office, because now we were so far behind on our mortgage because of all the forbearance plans they put us on. So now, not only was I to send Wells Fargo all this paperwork, but I was to send it to their attorney's office as well.

At this time, I was getting depressed over the whole situation. I was on the computer for countless hours, typing and submitting everything requested that I ended up in the hospital due to a blood clot that had developed in my leg and spread to my lungs. When I was released from the hospital after 3 days, I contacted our representative of South Carolina, Joe Wilson, and I sent him a letter explaining what I have gone through with Wells Fargo. Joe Wilson's office was in contact with Wells Fargo and me via mail.

After a few letters from Joe Wilson's office, Wells Fargo decided to drop the foreclosure proceedings and modify our payments. The payments went from us paying about $964.00 a month to $1062.00 a month. I agreed to the offer, because it would get us out of foreclosure; but now, the payments were out of reach. Then a few weeks later, I got a letter stating that our mortgage payment was going up to $1072.48 because of an underestimate on our escrow. Now, the payments were definitely out of our reach. We made a few payments, but now, we were starting to fall behind on other bills that we had obligations to pay. I had to drop out of school, because I could no longer afford the expenses I was paying out of pocket.

After a couple of months of paying these mortgage payments, I knew we could no longer afford to keep up with the pace. I contacted Wells Fargo again to see if there was anything else we could try, because these payments were really taking a toll on our other bills and our credit was getting hit hard for not being able to make payments to other bills. Once again, the only thing they would offer is the same type of loan modification. I shook my head in disgust and began to feel that owning a home was just a waste of time and money.

My mother passed away in this house, and during our time in our home, we have also buried two pets in the backyard. I have put a lot of work and time into this house to make it the home we would spend the rest of our lives in. I knew that this was probably going to be a big mistake, but I was now making about the same income that I was before I got laid off in 2008. So maybe things would look better to Wells Fargo, and the modification process wouldn't be like it was in the past. Was I wrong?

Forms upon forms were requested over and over again. So nothing has changed in the way Wells Fargo was helping people. In the beginning of 2012, I had enough. I went online to get help with a loan modification. I knew I had to be careful, because I heard of all the frauds and scams going on for this type of problem. But I was desperate, stressed, and just feeling so depressed. I had to do something.

I was finally in contact with a law office that I actually researched and could not find anything that threw up a red flag about them. I knew about the upfront fee issues to be aware of, but like I said, I was desperate and wanted help. I finally hired a law firm to help me with this matter. They in return sent Wells Fargo a cease and desist order. I felt then that maybe, hopefully something would get done. They have been in constant contact with me throughout the whole process. After about three months and sending the law firm the forms they needed filled out and they would send to wells Fargo, I called Wells Fargo to check on the status of the modification that was processed by the law firm. Wells Fargo told me that they did not receive any documents from any law firm. I sent an e-mail to the firm to notify them what I was told by Wells Fargo. The law firm in return sent me an e-mail stating they contacted Wells Fargo and that indeed they did receive the packet but it was sitting on the desk at Wells Fargo not even submitted for review.

A couple of weeks later, I received another foreclosure proceeding from Wells Fargo's attorney's office. I sent that to the law firm as well. So now, Wells Fargo is doing to them the same exact thing they have been doing to me for the last 4 years - lying to them also. Now, the law firm is starting to get frustrated with them as well. All we want is to pay our mortgage to stay in our home, but nothing seems to matter to Wells Fargo or anyone else at this point. Now, I can't even get answers from the lawfirm we hired. So, I guess we got shafted again.

Lately, I have had nothing but ill intent in my head about what I would do to keep Wells Fargo from taking our home. I need help, and I believe that Wells Fargo should be held accountable for everything they have brought down on me and my family. All we ever wanted was to resume our payments and to catch up on the payments we were behind on in the very beginning, which was only about 4 months' worth. Wells Fargo could have done something back then; they could have just done what I was told by Wachovia and put those few payments to the back of the loan and we would have never been in this mess to begin with.

So now, I have medical bills to pay and a student loan to pay with nothing to show for it. Thank you, Wells Fargo, for destroying our savings, our credit, and our future. Now that our credit is shot, we have no chance of even a refinance. We are asking and pleading with you to please give us a mortgage payment that we can work with and offer something to help us with the overdue balances. I kept being told you have several options to help struggling homeowners stay in their home, but it seems we are only being offered one option.

The mortgage rep and myself agreed to wait until the Attorney Generals' Program started. About that time, I had also checked to confirm that Wells Fargo still owned my load and had not sold it to Fannie Mae. I checked on the Fannie Mae site, and they had no reference to my mortgage. About a month later, I called Wells Fargo to apply for the Attorney Generals' Agreement Program as it was not active. I was told that the load had been sold to Fannie Mae, so I was not eligible for the Attorney Generals' Program since that only applies to bank owned mortgages.

They further advised that I was not eligible for HARP due to some reason I still don't understand (having to do with credit enhancements). Considering the fact that I had a no down payment mortgage (I signed the mortgage contract about 3 hours before this program was no longer valid!). Plus, Wachovia (still in business) failed to send in the form for Mortgage and as a result, I don't pay any mortgage insurance. Also, as indicated above, my house is way underwater. Now, I do not understand how Fannie Mae accepted to take over my mortgage, considering the underwater nature of the house, plus no MPI. It's also interesting that Wells Fargo did not sell the mortgage until right after the Wells Fargo Mortgage Rep finally understood that I wanted to apply under the Attorney General's Agreement. A coincidence?

So as a result, I am no longer eligible for refinancing, where I would have been eligible before Wells Fargo sold the loan to Fannie Mae. It's my feeling that Wells Fargo is getting rid of as many underwater loans to avoid having to refinance these loans. I wonder how many other people have had this same experience.

Our first two mortgages were initiated through brokers and/or other companies. Wells Fargo bought both of our mortgage loans after closing so we decided to go straight to them for financing our new family home. What a mistake! We are now well over 2 1/2 months post the initial closing date and no end seems in sight. They keep dangling the carrot and indicate that we are very close, every week! It takes over a week for each time something comes up in underwriting, then the underwriters go on training, vacation and there is no coverage. Initially they blamed the delay on closing on underwriter being fired for mishandling our loan. Not my issue and yet it has become one of many problems we have encountered.

The staff is incredibly unprofessional, not returning calls, unprofessional emails, and emails forwarded with no information but needing a response. There appears to be no method to their madness. We visit Wells almost daily to see if we can get any movement or updates and to no affect. One thing required by Wells back in April was a signed year lease from the renters of our previous primary residence. We were clear that when we got it signed by our new renters that we would be homeless. Our renters moved in back on April 28th and we have since essentially been homeless, squatting at friends’ houses and making the best of things.

Angry and dissatisfied does not even begin to describe my upset with Wells. Their complete disregard for the direct effect they have on our lives is incredibly upsetting. We have numerous times encountered them and their intolerance with having to deal with us. The longer I am fighting this battle with Wells, the more horror stories I hear from other customers that have been wronged. The mortgage industry as a whole is clear that Wells buys loans, but initiating them and closing them is not their strong suit. I can't believe a business can be run the way their mortgage department is run. It is incomprehensible!

I have teased with friends about starting a post-traumatic Wells support group. The mental, physical, emotional and financial toll this has taken on me and my family is great, and we will ensure that everyone near and far knows of our battle and never gives Wells Fargo business. After holding out for months, we are going elsewhere and hope to close very soon. I may pay slightly more, but will do so gladly, knowing that I don't have to deal with Wells Fargo any further. I look forward to telling Wells Fargo where to go.

I called on June 11, 2012 and spoke with a rep named Kelly. After she reviewed my information, she acknowledged that I called in and made a payment. However, she said that they were missing one number for the bank account and, therefore, it did not go through. I told her it was impossible and that she verified the information before we hung up the phone. Kelly then said that she was going to email the supervisor of the rep that I spoke with on May 29 and she would review the tape to see what exactly happened and she (the supervisor) would be getting back with me within 72 hours. Well, five days passed and there was no call; then two more days passed, making it a week and not a phone call.

I then called on June 18 and spoke with Abraham who told me not to contact the dispute department until the supervisor returns my call. I then called later that evening and spoke with Rico to try and get something in writing to clear this matter up. Rico was a work of art. He did everything in his power to not let me speak to his supervisor until I had to become very loud. He kept telling me that he told his supervisor what happened. When he finally transferred me, it went straight to voice mail - go figure that! When I called back I finally spoke with someone that had some sense. I didn't like what she said, but it made sense. She told me that Kelly should not have told me that a supervisor would call me back because that is not what happens.

I needed to submit a statement to the dispute department and that is how that situation is handled. I was due to close on a property next week, but now I do not qualify because of Wells Fargo's error and the late payment information sent into the 3 bureaus. And the worst part is that Wells Fargo is not in any hurry to fix this problem. This is not the first time I had to deal with an issue with Wells Fargo.

My credit is excellent, and I have returned every piece of information they wanted within 24 hours via e-mail. The real problems began with the appraisal. First, a week went by, and I was waiting for the third party, who hired the appraiser to schedule it because "they thought it was on hold." Then, the appraiser supposedly did the appraisal but did not turn in the report for three weeks. No one at Wells Fargo told me this, until I inquired directly and specifically on this matter. I told them directly and specifically to set a deadline, which was 10 days after the appraisal was due; and they ignored me and waited another 10 days. After that, they said it had gone to underwriting but that the loan volume had become very high and I would have to wait to find out whether or not the appraisal met the loan terms.

My closing date has now come and gone, and I had left 60 days to close. Today, I got a list of additional inspections, and the "underwriting review committee" wanted it done before they commit; yet, they still haven't told me for what loan I qualify. I stopped by the insurance agent, who told me the underwriter has called her three times a week to nag her to get an insurance binder for the house from me. I told her the story today, and she said, "Don't sign the binder, unless you are sure you are buying that house through that company, because they will charge you for it even if you don't follow through on the purchase."

The rate is locked for 90 days, but we're already at 60 and I don't see how this loan would close in 90 days, especially since the slacker appraiser has to return because of a small patch of peeling paint he identified as needing to be repaired (for an additional $100, don't you know). As sad as it is, I think my only option is to start over with a local bank. I'd have lost the $600 for the appraisal, but the list of additional inspections they are requiring will probably cost another $600 and no local bank would ask for them. After reading this list, I think I should run like hell and thank my lucky stars I won't be shackled to Wells Fargo for 30 years.

On 5/11/2011, Wells Fargo started a homeowners policy on the sold property under my name and charged it to me (with their own insurance company). They stated that my old policy was cancelled! No **. I don't own the house, let the new owner get a policy. Now, I get in the mail (Wells Fargo went out of their way to get my new address) an insurance renewal policy for the same house sold a year earlier for another year! What the **. I tried to cancel the insurance but they won't let me. Hours being spent to every department - and nothing. Also, I just found out that they have been (on top of yearly insurance) charging me monthly mortgage payments, taxes and late fees - plus, God knows what!

When the house was bought, I owed nothing. But now, I have a $50,000+ negative escrow account! How? Why in the ** am I still down as the owner on a house they already sold? Now, I'm buying a house on contract that I can't insure due to the fact that I haven't paid the insurance on somebody else's house. My credit is so low now you need a shovel to see it!

The last I heard from them (6/11/2012) is they will check into it and I should fax them a letter telling them my complaints. Why do I have to tell them they foreclosed on my house? I didn't have to write them to tell them to start foreclosure proceedings! Please help. What can I do? I'm running up bills daily and Wells Fargo has done nothing and seems to be in no hurry. Thanks.

Wells never provided me with an interest rate buy down to eat up these additional monies. They just gave the money back to the seller in the form of cash. Who are they working for? Me or the seller? Anyone else noticed that there is no customer feedback contact information on the Wells Fargo website? And if you call one of the general customer service lines looking for information on how to provide feedback, the agents who pick up the phone do not know what to tell you and have no further information to provide. I spoke to reps at both home mortgage and home financing, neither could provide this information. I had to find a rogue site on the internet to submit a request to be contacted to get Wells to contact me.

WF will not give you anyone else to work with. They give you the runaround and you are still stuck with the same obnoxious jerk you had before. Based on everything we read about loan mods, we should have been given one. Instead, WF took our down payment money, three years of mostly interest payments, foreclosed, took the PMI for the full price and then resold it for a good sum. This effectively doubled their money for them.

I got the zip code wrong and she rudely said, "Wrong!" I then gave her the correct zip. She then asked if the home was vacant. I said, "No." She then asked if we planned on keeping the home; I said, "Of course," and asked again what the call was about. She then proceeded to tell me it was an "attempt to collect a debt and any information obtained will be used for that purpose." I stated, "There is no debt; the payment is due today." It is paid automatically through my bank, so I pulled my account up online and could see that the payment was indeed already made that morning. She then proceeded to tell me that I needed to make a payment over the phone with a credit card or checking account to make it current. I said, "No, you already have your payment. There is no payment due!" She then said, "So you are refusing to make a payment?" I said, "Yes, there is no payment due."

She went on to tell me that my payment is due on the first and my grace period is until the 3rd. I said, "That is not what my statement says every month." She said that I need to read my promissory notes from my closing to see that I am clearly late every month. I told her we have paid this way for 4 years and this is the first call we had ever received. I asked who determined that we needed to receive a collection call for a payment that wasn't even late. She stated, "The computer randomly picks accounts for them to call." I made a comment that their computer was not very reliable. She then asked why we pay our payment late every month on the 16th. I explained that I pay the last day before it is delinquent because I am earning interest on my money while it is in my account. She stated that payment is considered late after the 3rd, delinquent after the 16th and in default after the 30th.

I asked, "Why are you telling me this? We are not behind in our payments." In four years, we were at the most 2 days late, meaning by the 18th, 4 times! I was so angry, I stated that I would be finding a new mortgage company right away who appreciates good customers like us, and I couldn't believe a good customer was being treated like this and I would hate to see how they treat delinquent customers. I told her with all of the bad press mortgage companies are getting right now, I couldn't believe what they were doing to me. I then hung up on her. After telling my husband and several other people, they questioned whether it really was WF or a scam trying to get me to give them my credit card or checking account info.

So I called WF the next day and the girl I spoke to said that it was indeed WF who called and it was a random call and my payments are up to date. She again wanted to know if I planned on keeping the house. I said, "Of course." She asked why we pay on the 16th. I said, "It's auto bill pay, set up that way." I told her I am considering getting a mortgage with someone else. She apologized and that was it. I then received a letter from WF's Home Preservation Department in the mail dated the 17th, which was the date I called WF to verify the previous days harassing phone call stating, "Thank you for taking the time to speak with me today. I realize this may be a difficult time for you, especially when we were unable to reach a mutual agreement regarding the options available to assist you with your current situation." They then referred me to a Consumer Credit Counseling Agency!

My husband and I have excellent credit. All our bills are paid on time. We pay off our credit card every month. We own 3 homes and many pieces of property. I do not know where they get off saying these things to me! I see on previous posts other good paying customers are being harassed more than we are and I think it is disgusting.

A few days ago, after almost 9 months in the so-called modification process and without notification from WF, my daughter received a letter from an attorney representing WF saying that she was now in foreclosure. After contacting WF numerous times and leaving messages for the WF employee she was working with and his supervisor, the employee returned her call and said she was in foreclosure because they had not received the documentation she had sent in at least four times. Incredibly, he told her this happened because she was not being responsive to WF's requests for info and that she would have to submit the same documents again to restart the modification process. Just prior to his callback and these blatant lies, she had talked to another WF employee who checked the computer system and verified that her last submission of documents had been received.

She has been stalled repeatedly in this fashion since last year, lied to, insulted and traumatized. She has also experienced the withholding of an insurance check for over $13,000 intended for repairing storm damage to her basement, another travesty reported by many others on this and other websites. And this is just a snippet of the outrageous behavior WF has subjected her and others to, and that has literally put her financial life on hold, all for WF's own financial benefit. After searching for a federal entity to which she could complain, I found the following website that actually has a complaint form for reporting misconduct by WF and other national banks. I encourage everyone to file a complaint with this agency so that it will get an idea of the magnitude of the criminal-like and unethical behavior of Wells Fargo and other banks which have gotten government assistance (aka our tax money and after they caused the recession/depression) to help responsible homeowners recover their homes and livelihood.

Go to the website of the federal government's Office of the Comptroller of the Currency (supervises the operations of large banks) occ.treas.gov. The OCC is responsible for inspecting and investigating the very complaints we all are making right now about the practices and behavior of WF and other banks. Morris Morgan is the Deputy Comptroller for Large Bank Supervision. In addition to filing a formal complaint using the OCC complaint form on their website, write to him directly. On March 19, 2012, he testified before the Committee on Oversight and Government Reform in the US House of Representatives. He testified about "consent orders" issued to banks such as WF and stated that "the OCC puts in place a comprehensive program for major mortgage servicers like WF to correct deficient and unsafe and unsound practices" and to "identify borrowers who may have suffered financial harm as a result of those practices in order to provide them financial remediation".

Unfortunately, he and the OCC seem to believe that banks such as WF are complying with the OCC's consent orders. Look at this statement in his testimony: "Each servicer [the banks] has established policies and procedures for providing single points of contact to assist borrowers throughout the loan modification and foreclosure processes. Actions include the establishment of procedures for communicating information about the single points of contact to the borrowers including direct ways to reach these contacts". So, WF and the other criminal banks tell the OCC they have the requisite procedures and are complying with the intent of the consent orders, and the OCC believes them? Are they taking any steps to verify what the banks are telling them versus what they are actually doing? Are they reading these websites? How many of you, like my daughter, have been bounced around among multiple points of contact at WF who in fact go for weeks and months without making contact with you or returning your calls?

Please, please if you read this post, file a complaint with the OCC so that we all can call its attention to WF's financial atrocities and unprofessional and unethical behavior toward the citizens whose money it is using to enrich itself. It is disgusting that employees in these banks, our so-called "fellow citizens" would do this to people who are customers and workers and family members just like they are. How can we allow banks, which underpin our entire economic system, to do business without integrity and honesty and fairness? And they use our money to do it for goodness' sake! Everybody, please file a complaint to the OCC right now. Give the details of your treatment and name the banks, especially Wells Fargo. Let's do this.

Since when is a payment past due when it is billed on the first, not late until after the 15-day grace period, and paid on the 13th. No other company that I know of or do business with makes collection calls on a loan that is current and paid within the grace period. Wells Fargo started this about 6 months ago and I receive 1 to 3 calls every day between the 2nd and 15th of the month. The payment is made around the 13th of the month in the branch and not late. When they call, they ask for me and tell me they are Wells Fargo. Then they demand I tell them my address and other identifying information so they can confirm who I am before they will even tell me why they are calling.

I never tell them my address or anything because I cannot conform who they are and when I ask to talk to a supervisor, they tell me there are none available. As far as I know, they are identity thieves trying to get personal information. One month, I even tried to make my payment ahead of schedule on the last day of the previous month. And was told I cannot make it yet because it had not been billed and would not be billed until the next day. This means it is impossible to stop the harassing calls. Because even if I make the payment on the first, they take several days to show it posted and the calls would start on the second.

My home is underwater but the payment is paid each month and the loan is current. I can only assume the harassment is designed to get me to move my loan from Wells Fargo, so they can remove it from their books even though it is current. Making collection calls on current loans during the grace period is unethical at best and I hope it is illegal. Based on their response, it sounds like a lot of people may be in the same frustrating position. I love to see a class action suit against these idiots for harassment and discrimination against home owners who legally use the grace period.

I have been trying for 6 months to get these calls stopped, but I just kept getting lied to. They have told me my account was up to date and no more calls would be made. They just continue to lie, lie, lie. To put things in perspective, my credit rating is 805. So my credit is great, and the loan is current. Several months ago, I tried to make my payment on the last day of the month (before it was due on the 1st of next month), and they refused to take it. They said I can't make a payment, because it was not due yet. They again, on the third, started calling me about being late when I was not.

I hate this company and do not recommend anyone ever do business with them. They are a perfect example of "too big to fail but too stupid to stay in business." I have a lot of friends in the real estate business note this is not an isolated case. None of them will recommend Wells Fargo to any of their customers. Any intelligent business would spend their time trying to collect on delinquent loans instead of harassing people who make their loans on time.

At this point, I was very frustrated because prior to the whole process, I told her that this was why I was turned down in 2009. She then said that they are going to get me into the Home Affordable Refinance Program and I should hear something soon. Well, again, I had to call only to find out that I was declined because I carry private mortgage insurance (PMI) which she never once asked me from the onset. After all this, I contacted Mrs. **, her supervisor, and stressed to her that I wanted my appraisal fee refunded because I was totally misinformed from the start of the entire process.

Mrs. ** stated that she would get back to me in a couple of hours or the next day. It's been a week now, and several phone messages later, and I have yet to hear from Mrs. **. I am a teacher in Cobb County and hope that someone in Wells Fargo hears my story because I will not stop until Wells Fargo does the right thing and that is to refund my appraisal fee. I am sending letters to the Better Business Bureau, Atlanta Journal Constitution, and many other media news outlets.

This was an unfair and manipulative tactic on the prospective lender's part. Then, within 2 weeks after, I received a phone call from Wells Fargo. A representative said they could help me so, I went up there. They were nice people and I told them what happen to me earlier with the other company. Megan was the lady who was helping me. She took all my information then called me back in a few days and told me, I was approved for a 5% on my mortgage. I had 6.3% with Bank of America but, they wouldn't take me ex-husband off the mortgage and I had my divorce papers saying I had to remove him. Anyway, then Megan came back and told me that I had to add all my credit cards on the mortgage too. I didn't want to do that but, she said I had to or I couldn't have the mortgage. So, I agreed. Less than two weeks before closing, she came back and said I needed a co-signer on my mortgage. I asked my boyfriend Mark, who is my husband now if he would co-sign. He did and again, less than two weeks before closing she came back saying was a problem. At the time, I had a credit score of 643 but, Mark had a credit score of 595-600 because of something that his ex-wife had not paid and he never checked his credit score before.

Megan called us and said that we only qualify for a sub-prime mortgage. I never heard of a sub-prime mortgage before. She said that we would only have to keep it for 8-12 months, it would rebuild his credit and we could refinance the mortgage after that to a cheaper rate. Mark asked about the first-time home buyer for him since he has never bought a home. She said that he would get that too but, that's not so. We asked how much the interest was and I about fell out, it was 11.63% but, she kept saying it was only for a little bit, it would rebuild his credit and then we would get it lowered. So, I was going from a $110,000 mortgage at 6.3% with a payment of $807.00 and that was with escrow to a $145,000 mortgage at 11.63% to a $1,585.00 payment. That was a lot and I was approved at first for 5% but, because of my husband being a co-signer it went up.

We weren’t sure about it but, she kept saying we needed to decide because it was only good for I think 2 days or they would retract the offer. We felt pressed but, we trusted her and Wells Fargo so, we signed. I believed everything she told us and I really did believe she was looking out for us but, less than two weeks after signing the mortgage I saw on the news where they are doing away with sub-prime mortgages. The news said sub-prime mortgages were not good for the consumer and was a very bad thing that mortgage companies were pushing on some. My heart sank and I felt like a fool right then and it was too late. We just waited for the 12 months to end so, we could refinance the house.

I went to the Wells Fargo Mortgage and the nice lady there said she couldn't pull up my mortgage because I went through Wells Fargo Finance. I didn't know there was a difference but, there is. She said she was sorry but, she couldn't do anything. Then my husband lost his job and he started using his savings to pay the mortgage. I called HUD and the lady there told me to contact my State Attorney and file a complaint because what they did was wrong and something needed to be done about it. Then American Executive called and said they could help so, I trusted again because I don't want to lose our house. I didn't want to make any problems, I just wanted to be treated fair, have a fair mortgage and mortgage payment that we could afford.

We started this October 29, 2011 and I filed a complaint with Consumer Financial Protection Bureau in February too. Jayme ** called us after I filed with Consumer Financial Protection Bureau. Mr Jayme was nice and said he would look into it. Then he wrote that my credit score is 583 and that's why I got that interest rate of 11.63% but, when I was getting the mortgage in the first place, I didn't have 583, it was 643 and I was approved for 5% so, he is wrong with his report. Then Wells Fargo finally came back 4/2/2012 with a payment of $1,338.75 as a trial 3 month payment period. Don't know what the interest is or how much the lawyer’s fees they tacked on at the end of the mortgage until after the trial but, that’s what they said they would do. Plus, we weren't promised to get the mortgage after the trial period. Not promised if I will have a mortgage and from what I've been reading about Wells Fargo, it's not. We will pay and they keep the money then denied. If I'm even so, I might get $30,000 or more tacked to the end of the mortgage and might be upside down on the house too.

Our house isn't anything fancy, it's a simple brick house and we don't want to lose it. I work two jobs right now and the V.A. has paid for my husband to go back to school so he can get a better job. I still have three children who live here with us. I'm not trying to cause any problems. I just wanted to be treated fair and keep our home. Thank you very much for your time and for reading this.

I am 100% convinced that they do not intend to help any of us and are either (a) just dragging on the process so that whatever equity is in the property, the missed payments would eat it up and then when they do the foreclosure, they leave us with a negative number and hold the bag for a 1099 or worse; or (b) they are just very disorganized.

Here's what has been happening: It begins with a mandatory phone "interview." Later, documents are requested and sent in. You hear nothing for 2 months, and then one day, you get a phone call that says you are in danger of foreclosure because you have been removed from loss mitigation/modification or whatever and you would have to start over from the beginning. In the meantime, don't even try asking them about the paperwork you sent in, because he/she would have no record of what you sent in.

My hope is that Wells Fargo would read these posts and (a) realize that kicking us all out of our houses is not productive, (b) taking our properties away and selling them off for "pennies" to a new buyer does not guarantee the new owner would be able to keep things going either, and (c) vacant and foreclosed properties are not good for any community. (d) Also, I would not expect them to help everyone.

So I suggest the following approach: Carefully review the track records of everyone seeking assistance(!) and prioritize help for those who has put hundreds of thousands of dollars into the "system" over the years, buying into the "American dream" and has genuinely fallen on hardship, though no fault of our/their own. That, I think, would be fair and makes sense.

Now, not only am I still running behind in my mortgage but now, my taxes are behind and my insurance is not being paid. Wells Fargo is destroying me financially and I have no credit thanks to them. I now have to hire an attorney to help me save my home, when all I wanted was for the bank to help me. But all they want is to see me fail and take my home that I have worked so hard to keep. I need help, please.

I called them to see what I could do and they said I would have to assume the loan. I told them that I have been a stay home mom for 14 years and have a part time eBay business and am receiving child support and alimony and that I could pay $1,300.00 a month (our mortgage is currently at $1,800.00), but I could not assume the loan due to my credit. They said they could not help me.

I live here in Alabama with my four children, moved away from all my family in California for my husband’s job and now, they will be foreclosing on my home on June 20! I tried to make payments of $1,300.00 to show them I could pay this amount and they refused the payments. First, I don’t understand how when we first notified them, they didn’t tell us that they couldn’t do it if my husband wasn’t living here and second, they would rather take a loss on the home (the house in this market will never sell for what it's worth), kick me and my four kids out, then to help me! It makes me sick!

This process that is required is unreasonable and will significantly delay my roof repair. Once Wells Fargo receives the requested information, they then will decide if when and how much of the funds they will release. During this time, Wells Fargo will be profiting from interest on the retained funds. If the funds they choose to release do not sufficiently cover the materials to begin the project, then I will be required to send additional information to justify why I need enough money to begin the project. There original plan, thereafter, is to require that I stop the project midway to allow an adjuster from Wells Fargo to evaluate the process prior to releasing any remaining funds.

A roofing crew can not stop a 2-3 day roofing project midway to wait 3-5 business days for a Wells Fargo adjuster to make an appointment and then evaluate the progress. Their required procedures are inefficient, unnecessary and unacceptable. I will soon be refinancing my home loan with a better bank.

Anyway, since I don’t anticipate being able to repay approximately $1800 in six months, I’m forced to reject your generous offer. I’ve been with the bank since 1975 and this is the fourth time that WF has jerked me around over these supposed Obama solutions with no results. I want to say that I hate Wells Fargo for making a fool out of me again, thinking there was some kind of mortgage relief hope just because the president says there is and everyone takes months to tell me that there isn’t any hope after all.

Sixty years of paying my bills, having good credit and being a loyal customer apparently doesn’t mean anything after all. I obviously was raised in the wrong generation. Being a hard-working, good employee didn’t keep me employed now either. There’s something drastically wrong with our society, our government, and our businesses, and it saddens me to have to be a part of it all.

I wonder how many elderly people are taken advantage of because they don't stand up for themselves or don't understand. We said that we wanted a copy of the appraisal and they said we would have to request it. We think they charged us for an appraisal that never happened or needed to happen as they were paid off at the time of the sale. How many poor, unsuspecting elderly people are being gouged by Wells Fargo?

My mortgage was handed over to a loan officer who never returned my phone calls or emails. She lost paperwork and asked me to simply send it again. And the best part? I was told I was denied because my household didn't make enough money. Apparently, it was listed on my application that my husband made $150 a month. I told her this was not correct and she said, "I thought when I first looked at the loan that didn't seem right." But she went forward anyway! I was so upset I asked to speak to her supervisor. I was transferred to someone I later found out was her co-worker, not supervisor. I have been back and forth with the loan officer. There have been several occasions when I have found the information they are using to be incorrect. I don't know where they would even get the information because no one ever called to confirm anything!

My husband recently commented on how we were never asked to sign anything. We have had our credit scores pulled and never even asked to sign paperwork to show we want a refinance! What a mess! I know Wells Fargo needs loans, but to continue to solicit to customers you know will not be approved is just wrong!

He transferred me to another man who proceeded to tell me that the 5.25% interest rate the first man had agreed to would have to be changed to 8.5% "because (my) credit was so good." I asked him what his problem was, told him that I was not stupid, and invited him and his partner in crime to kiss where the sun didn't shine. The two ** were attempting to pull a bait and switch on me. My realtor at the time was a part of it. For the next several days, Wells Fargo and the realtor continued calling me saying I had signed a rate lock agreement and that if I didn't honor it they would sue me. I knew I had not agreed to a rate lock, much less signed one. The last time I spoke with the ** realtor, she "advised" me to find a lawyer. I laughed and told her that I didn't have to "find" anyone but that I had at least twelve lawyers sitting along the hallway right outside my office door and that, if I heard from any of them again, they would have lawyers coming out of their ears! That was the last I heard from Wells Fargo or the she **.

No doubt, the Wells Fargo ** (working with certain local realtors) were so busy pushing out so many sub-prime loans that they all "assumed" everyone would just fall in line with whatever they did. Within two days of this fiasco, I had in writing a loan commitment with excellent financing terms from another lender who told me upfront the loan would be sold to VHDA. Unfortunately, at the time, I worked in a DC law firm that closed multifamily loans for Wells Fargo. Pursuing an official complaint against a firm client was not an option. The first Wells Fargo ** I dealt with is now sitting across the street from my home in what was once a branch of Wachovia Bank.

I saw his name on an office door a couple years back when I went into the bank to cash a check that had been drawn on Wachovia. He did, in fact, have the demeanor of a **. During the course of the check transaction, the teller asked me if I wanted to open an account to avoid a $5 check cashing fee. I told her that had they still been Wachovia, perhaps, but, since they were not, I would never do business with Wells Fargo. I then explained to her that her Mr. "B" had tried to pull a mortgage loan bait & switch on me previously. She was a prior Wachovia employee and just shook her head giving me the distinct impression that she knew exactly what he was. Bottom line, I would not refer my worst enemy to Wells Fargo and I will verbally pass on my experience (with ** real name) every opportunity I get!

All the while, I had no one person to deal with. It was whomever answered my call and they never had any record of anything I sent. In the meanwhile, Wells Fargo paid off the balance that still owed Portnoff for taxes, which we found out about by our check which Portnoff returned to us with a letter stating that it was paid in full. This was last spring. We also sent out our local tax check, which was also returned to us with a letter stating that it was already paid. When that happened, we realized that Wells Fargo must have paid that as well so we sent Wells Fargo a check to pay them back for that current tax. After that, we have been making payments to Wells Fargo every month for our principal and interest (as agreed) and have been sending them an additional $150/month for the amount we would normally be paying Portnoff each month.

The statements they were sending us either didn't reflect any payment (just late charges) or it showed our payments going into a "holding account" or paying into escrow (not principal and interest) with a message stating that they do not accept "partial payments" and late charges every month and miscellaneous charges. They have not been sending us statements since December even though we have still been paying the amount of our mortgage agreement with $150 addition each month for escrow (which we have been clearly stating what the payments are for each month). Instead, they want to foreclose on us because we have not been paying the amount of our mortgage plus the additional amount they want for escrow (which I believe is around $500-600 more a month).

We have spoken to several people including Sarah **, who got in touch with us after we sent John ** an email. She, as well as the other people we spoke with previously, said she was there to help us keep our home yet has failed to stop this ridiculous foreclosure and as of Tuesday, told us there was nothing more she could do. We wonder if they have been just leading us on with false hope because this really doesn't take much to correct. We are supposed to foreclose next week even though we have continued to make our payments each month.

We are a family of six plus two pets. All we want to do is keep a roof over our children's heads, put food in their bellies and teach them to do good and get good grades so they can go to college. Without our home, I don't know what we will do. This house also has sentimental meaning to us. It is where my wife grew up, where our children enjoyed time with their Mom-mom who loved them as much as we do and played with them when they were very little and where their Mom-mom died. It has a lot of memories, good and sad, and we love our home because of it. If there is anything you can do to help us, we would greatly appreciate it.

I was really disappointed, and I requested to change my payments back to once a year. I do not think that Wells Fargo is following a correct procedure. Also, my house is worth at $135,000, and they asked for insurance for over $250,000. In my opinion, this is also incorrect. I do not want Wells Fargo to continue taking advantage of the customers at any time, but especially more than ever, during this hard time that we are having for the bad economy.

In April of 2011, my son's office closed down and he was once again without work. When Harp II occurred, they were hoping Wells Fargo would now help them. They have kept current on all of their accounts and Wells Fargo will not do a loan modification for them. I just don't understand! Why would the bank want them to go into foreclosure or a short sale? Wells Fargo is not going to get any more money for this home if it falls into a foreclosure or short sale. What is the reasoning behind all of this? Wells Fargo should be completely ashamed of themselves!

3. I called back and got that I have LPMI (not accurate). Then, I spoke with executive relations at Wells Fargo. They contacted me in 48 hours and said that since my loan was initially with Wachovia and now that Wells Fargo bought them out, then the type of PMI I have is not eligible since Wells Fargo does not use this type of PMI. My PMI is through Radian Guaranty.

All of this just sounds as if the Wells Fargo Home Mortgage does not want my loan to be included in the government-backed program. When I asked for the information in writing, I was told I would have to write a letter via US Mail to get this info. After expressing my disbelief, I again asked if this information could be provided in detail via email or other solutions that would be more accommodating; it was denied. In 2010, when my loan was originally transferred to Wells Fargo from Wachovia due to the buyout or whatever happened during that time, I received no less than 6 letters from Wells Fargo stating that I qualified for refinancing under the new HARP program.

On each occasion I checked with Wells Fargo, I was advised that these letters were form letters sent to all of their customers. I even inquired about this today and advised my executive relations rep, Amy, that I know a better filtering process must exist, which she then brushed off as if it were no big deal. I am a mortgage holder since June 2005 with no late payments. I just want to right size my loan based on the HARP program that is in place to help American citizens who have been able to continue with their payments in spite of the economic downturn experienced over the past few years. I thoroughly believe that Wells Fargo is just using a stall tactic. Since I am unaware of any recourse and as they have all the power in this situation, they are just hoping I back away. Well, I won't!

In order to get my interest rate down to 4%, I would have to pay the loan down by $20,000 plus pay $5,300 in closing costs on a $52,0000 30-year fixed mortgage. That's 10% of the loan, and I was told by someone who has been in the business for many years that Wells Fargo is not allowed to charge me more than 2.7% of the loan in settlement costs. So I am feeling outraged that Wells Fargo is trying to take advantage of me by charging me settlement charges that are way out of line. Even with excellent credit, this is what they are trying to do to me. I feel so sorry for people whose backs are against the wall.

I recently switched everything like my checking account, IRA, etc. to a local credit union. The financial advisor there said that I'd do much better to just start paying down the loan as much as I can and try to pay it off in 5-7 years or so. He also said that I don't have enough in my IRA to retire. I'm reluctant to make large payments on the principal because of the horror stories I've been reading about Wells Fargo not applying payments properly and diverting money to other uses. How can I make sure that money I pay toward the principal is actually credited to my account? I really can't afford a lawyer, but I would appreciate some advice as to whether I should just cancel my efforts to refinance and try to pay the loan off as soon as I can since it is relatively small.

We didn't approve or ask for this absurd change and no one at WF seems to be able to correct it back (or even know who or admit that the change was made). We are treated like common criminals each time we phone for help. Their “Executive Complaint Dept“(Ben **) stated that they need several days or so to “look into it”. That was several weeks ago and we are now receiving collections letters from WF!

We did not make these changes that placed us in this situation and are powerless to fix it. We did everything properly with the “KeepHome” program to get this loan and tried far too many times to count to call WF in good faith to see that the allocated monies get to WF as originally agreed upon. It is as if we are being set up for failure.

Bottom line: Both FEMA and Wells Fargo have systematically destroyed the value of my home. The existing home loan isn't even worth paying off. Thanks, FEMA! Thanks Wells Fargo! Because of you, I have no choice but to walk from my mortgage.

#3: FEMA + Wells Fargo mortgage = Walk Away From Loan.

Another house is also getting ready to default. This is another foreclosure in the future. There are literally millions of foreclosures going on in this country. The government bailed these banks out with our tax dollars and these ungrateful SOB's pull this stuff on honest, hard working people. I refuse to play the "Wells FEMA" game. I'm getting out! I would rather default on my loan than give these crooks any more of my hard-earned money. I am walking from my mortgage and I don't feel bad about it in the slightest. Wells Fargo asked for this. They want this. Well, they get it. Have it your way, Wells FEMA!

Finally in December, I get a call from collections saying we are over 90 days past due on mortgage and foreclosure could happen. When I told them I was in a program, they said I no longer qualified. No letter of explanation, just told that we had to come up with over $7,000.00 or we were losing our house to back taxes or foreclosure. We used our kids’ Christmas money, paid a percentage of the total due and Wells Fargo automatically took out a loan on our house, adding it to end of mortgage, also charging a fee for that. I then found out in a few months, my adjustable rate was going in effect which actually brought us down to the $1,500.00 payment from $2,400.00.

I have been contacted by lawyers wanting me to join all these class action suits but I don’t have just one complaint, I don’t even know how they got our mortgage, it originally was with HFC. I also found out that the people handling our mortgage are 3rd party brokers, that they are not licensed. How does this happen? I currently owe approximately $300,000.00 on a house that never was worth more than $100,000.00 and now, probably worth approximately $75,000.00. The house next to me was financed for $199,000.00 is on market for $40,000.00. I don’t know who to contact. Lawyers want money up front plus 30%. My family has suffered, no Christmas, no vacations, etc. because my mortgage company was so greedy, they even got rich by paying the appraiser to inflate my mortgage.

Please help. Only contact me if you are a lawyer that will accept 30% at the end of litigation, no out of pocket money. I have been told that my case would probably have me walking away with deed paid in full and punitive damages, but at an upfront cost. I’m tired of being scammed and I hope someone can lead me to the right people to file my complaint.

They have stated that they cannot provide me with a timeline for when they will resolve this matter. In the meantime, I have been assessed late fees and potentially have my credit ruined. I have provided all documentation, but they refused to resolve this issue and locate my missing payment to them in a justifiable time frame.

I am berated when I call in to the customer service line and asked harassing questions regarding my plans for my home, whether I intend to sell it, etc. I don't understand what this has to do with posting my payment. I would hope that it would be top priority, but it is not. Instead, I must address illegitimate questions regarding any future plans I may have for selling my home.

They called and sent me a form called a supplemental hardship acknowledgment form. The form is saying that your hardship must be death, disability, divorce and nothing else. And also one of the things have to happen after you purchase the house. This is suspiciously leaving out loss of employment, which would be most people's hardship and also it happened in the time frame after I bought the house. But the form doesn't allow for anything except the three things that are already written on the form. The hardship letter that had been accepted in the beginning specifically explained my hardship as being loss of employment. I asked him about that and he said that since I am current on my loan that I would have to fit in this specific category or they would stop reviewing my modification. I was behind on my loan and I tried modification before. I was turned down because I was told I had thousand dollars deficit per month income.

I am now making a little over that thousand dollars deficit and if my modification suffer the degrading scrutiny of 400 forms and approximately 60 man hours with these forms and they made it to second stage review, then Wells Fargo is obviously telling me not to be current on my loan or to change my original hardship into one of the three that are specified. I have read a lot of information on the internet saying that the servicing companies are really incentivized to drive people to foreclosures because they make more money on the foreclosure fees than on regular loan servicing. Wells Fargo then blames it on Fannie Mae saying that they are asking for this form. This is suspicious because Fannie Mae has my original hardship letter and nothing has ever been said about them not accepting loss of employment as a basis for modification. I feel like they are tailored reasons for turning down my modification. I would like this investigated. Thank you.

Yesterday, I spoke to the attorneys that are handling this for Wells Fargo and was told we could ask for the reinstatement and may have been able to pay that and this could have all ended months. However, it's too late for that now according to them. I am going to list below the problems that I have seen within your organization. I doubt it will do much but I am going to anyway.

The remobilization rep that was first assigned was useless. She never processed paperwork in a timely manner, never left me voicemails when she supposedly called, and called our old phone number instead of the new one. Her name is Cassandra **. I called her manager Robin ** several times and she would have Cassandra call me. I was told by Cassandra her manager had reviewed her records with my account and she was not seeing any problems. So, I called Robin's manager Brandon ** who has never returned my call; however, it did get Robin to call me. And then I was assigned a new rep.

If the first person I was assigned to would have processed us in the fall, we could have found out if we could modify or not; and if not, we could have asked for a short sale. I had not been told until yesterday that there was a reinstatement that could have been paid and this could all be avoided. I would sincerely like to have Wells Fargo look at this and take part in their fault in all of this.

The attorney’s office that you use will not return a call. When you call in, you get bounced around to different voicemails and put on hold to never get a return call. In my opinion, if the first rep would have done her job and got our paperwork through, we could have found out if we were approved or not. If not, we could have tried to do a short sale; however, her not doing her job has taken that away from us.

Well, if you would just send them, it would have never been expired. I sent her everything like 3 times that she asked, and yet, she still doesn't submit my paperwork 2 weeks later. I had to take this up with the customer complaint center where I worked with a Dianne. Now, they make me fill out all this paperwork, and they have very poor work ethic--people who are lost.

And then, after all is said and done, they deny me for my salary being too low. Ummmh, the reason for my modification was because of my funds catch 22, don't you think? So they would rather have the house go into foreclosure rather than just modifying my loan and lowering my payments to avoid this problem. Again, if I made more money, why would I need a modification to save my house?

This company is horrible and just dirty. They would rather lose a client than just keep them at a lower rate. What risk would it be to save the house from foreclosure short sale? Wouldn't that cost them more? Dirty company. I suggest to stay away from them. They will not serve you for your needs when deserved to you. Very bad!

We received the modification, but soon found out that it was indeed reported to the credit bureaus. Our credit score dropped dramatically and I have appealed this, called countless times, been told different excuses and made to feel like I was lying! Wells Fargo is responsible for bringing my credit score from good to poor and I am now subjected to high interest rates when applying for credit. I was told that the process was just 3 months and Wells Fargo made me wait for almost a year and still I'm paying the same amount of money that I was paying before the modification because my escrow was short. I called Wells Fargo and complained about it and I was told that I was behind with my escrow because I wasn't making my full payment for a year. The reason I wasn't paying my full amount for a year was because Wells Fargo made me wait a year before I was approved for the ** loan modification!

As we are in the process of figuring this out, Jason **, from the business team goes forward with foreclosure filings and hearing despite my being told by Tammy that the hearing would be postponed. I did not attend the hearing, honestly believing it was postponed, only to learn the following day that it went forward and my lot would be sold on March 29 at Sheriff's sale. When we brought this up to Tammy, she said she had no control over what business team did. Meanwhile, Jason ** stated it was his decision to follow through and if we did not accept their 2 offers for refinance, the lot would be sold. We immediately hired counsel to stop this action and then I got a call from Tammy **, who cancelled a phone conference between my husband and Jason **'s supervisor because we obtained legal counsel.

She also told me she could no longer work with me and the suspension on the credit reports would be lifted on March 31, 2012 if we did not reach a resolution. Again, the actions of WF appear to be vindictive and nasty with people who want to resolve a problem. We would appreciate it if you could halt this abuse of power. It would be greatly appreciated. Thank you.

When I confronted Jason ** about his dirty tactics. He said he would not stop the process and I better choose a finance option immediately or else they would sell the lot. Immediately, I contacted an attorney who stopped the process. Meanwhile, now Ms. ** and the business team cannot deal with me personally because I have an attorney. Then they threatened me again but stating that if I don't resolve this by March 31, 2012, they will unsuspend my credit and the foreclosure will show. We had a credit score of 810. We will be lucky to have a 500 by the time they are through with us. All we have tried to do is get a fair loan and all we've gotten are threats and abuse.

Inspection was completed on March 12 and the inspector gave a signed copy indicating "All work satisfactorily completed". I contacted Wells Fargo for 3 days to find out when I can get the check endorsed, but I was not getting straight answer. In fact, each representative gave me conflicting information. Finally, on March 15, I decided to speak with a supervisor who told me that I need to complete a package that was sent to me on February 28, 2012, which was a news to me and I never received any packages from them. At that point, I decided to contact Wells Fargo's executive department (Linda **) and they mentioned (via email) that the package was sent on March 12, 2012 (this date did not match with the other dates I was given previously). She also emailed me a copy of the package. I opened up the package and noticed the date on it. It indicated the package was generated on March 14, 2012 (didn't match with any of the other dates).

I also have recorded our phone conversations (with their permissions), which will prove that the bank has intentionally provided me misleading information. All repair work has been completed and none of these contractors are paid yet since the check has not been endorsed yet. I am the same customer whose home was wrongfully foreclosed twice by Wells Fargo and an article on my wrongful foreclosure was published in the Wall Street Journal last year.

About a month ago I met with Mili and spent 4 hours updating the papers and providing her with the necessary additional information. She told me I was accepted and the new rate was 4%. A new appraisal was not needed. She said they would close in March or early April. I waited to hear from her but finally decided to call her a few days ago to get a closing date. At that time, she informed me that there is a 6 month waiting period after the deed was changed. Her excuse was that she and her boss were ignorant and didn't know anything about it!

I again received a letter in the mail saying my application was denied! Imagine my chagrin as a senior citizen having spent all this time and energy. I called her and she told me when I reapplied in 5 months, I would have to pay $400 again since the appraisal would have to be redone. I am devastated and have called her boss. Mr. ** more than 5 times with no response!

I have been a victim of ignorance and lack of caring by these representatives of their bank. I am a long time loyal member and have all my brokerage accounts with Riva ** from Wells Fargo. I feel angry and upset and I am not a well person. Stress worsens my condition. Please help me with this situation. I have done everything I can. This company has failed me. Help!

Wells Fargo claims that they did not get it even though we have a signature receipt of them receiving it. Then we faxed it and we were told that it is out of date and no good. We have been trying over and over to talk with our home preservation officer, but we get nothing. Now, we have been waiting for a paper we have to sign saying it is okay to talk with us. They will not talk with us until the paper is signed. They will not fax it or email to us, so we have to wait for the mail up to a week. The first one never got to us, we have been checking our mail everyday. Finally, everyday I talk with someone on the phone reminding me that interest and fines continue to grow while the loan is still in foreclosure. It is so frustrating. Every time I call, I get a different answer on the same questions.

On January 6, 2012, I received a letter from Wells Fargo stating my mortgage had been paid in full and I would receive additional information later. Two weeks later, I received a letter stating they had cancelled the payoff and my mortgage was still active. I am at wits' end. What can I do?

I started the recent process on or around January 2011 (maybe more like 12-10, no lie). Because of the high demand, our file was moved from the main 800 number to the local office. I was given Brian ** (January 12). I find out as I’m going through this that they are learning the rules and the way to do modifications and accept paperwork. He actually told me this. Then, in February/March 2012, I got Daniel ** because Brian ** was overloaded with his case load (he hadn’t called me in over a month).

All I wanted to do was modify this house and yet I feel as if we are falling through the cracks and pushed aside. Recently, March 2012, we were denied a modification/HAMP, which we never received anything stating such I was told. We were offered a repayment plan of $4006.31 a month for 8 months. Our mortgage with property taxes is $2733.71 (originally $2340 and we paid property taxes of $2600 year). Please note that no one ever advised us of taking our payment and or opening up an escrow account ever.

I called Daniel and told him we’re denying the $4006 month payment and that we would just come current with our pay check and income taxes (December, January, and February payment). He told me that if I didn’t go through with the payment plan, I could potentially go into foreclosure. I told him we will just owe March so we will be caught up. He said it doesn’t matter that you paid up, you have to zero account out to not be foreclosed on. I told him that our goal is to pay current and move forward without modifying this house because Wells Fargo hasn’t helped me at all. I’m trying to stay in the house and you’re telling me I’m either going to lose it or I must sale it.

Nice advice. I paid $2733.71 on the 9th for December’s payment and denied the program. He told me he would take me out of it. I told him I’d pay two more months by Friday. Today, 3-13, I went into a local branch to take care of this. I was told that I was still in the program. I called the 800 number and talked to Chris and the branch Grace who told me they are not equipped to see special accounts or handle them. She said to call the 800 number. Chris at the 800 number told me that it’s a verbal agreement that I don’t have to pay the $4006 a month. I can make my payment of $2733 a month and that it would just break the agreement. It is not like we can come get your house for breaking it. I call Daniel my rep Friday the 9th, he told me that I was pulled out of the modification department and that he could still take payments for me I f I wanted him to.

So here we are to today. I was told by Daniel that I’m still in the program and that his supervisor emailed someone to take me out of it. I asked why am I in the program I never signed and returned the paper you sent to me? He told me it was verbal. I asked him you never told me it was verbal. What is that about you have to sign something, hello? He told me to call on Friday and see if I’m out of the program and that I can make the 2 months then. I told him my December payment better be applied to December once I’m out of the program and the 2 months applied to Jan. and Feb. He said it would all balance out. It’s one thing after one thing with Wells Fargo. I’m at my wit’s end. I’ve been told to get the loan current; if I will not pay, they’re going to foreclose and we’re going to lose our house, etc. I’m only technically 90 days past due.

When I had called his direct line, there’s no answer but the voice mail as user. Then, I called again and spoke with one of the other representative. I asked what the status on my loan was and he said that it was denied. I asked why. He stated that a letter will be coming in mail within the next of early part march prior to this call, which I have yet to receive that letter. So he stated that my house will be sold on March 22, 2012. So I want to know what can be done about that since Wells Fargo were wrong about the way they handled my claim back to at the last minute with no exclamation explain as to why I were denied in getting help with my mortgage. Even if I were denied, they still should have had the dignity to call me and explain other options that I may have qualified, but they didn't.

Starting at the beginning of February, we wanted to refinance our mortgage with Wells Fargo and take out some equity. We go through the process had an appraisal. The appraisal was lower than we expected and had factual errors. Dates of updates were incorrect, missed a bedroom, etc. Wells Fargo allowed us to appeal the decision. We submitted our data, it was denied with no explanation. We repeatedly asked for information on why and still have not received an answer. Why would Wells Fargo even want to do business with an appraiser who has factual errors?

I have asked to speak with a supervisor at this point and have requested a refund of the appraisal. One supervisor was very friendly but the appraisal was originated in different system. She forwarded our request, I have emailed. And still, we haven't even heard a “sorry, we can't help you”. We don't want to pay for something that is wrong. We would have been happy if they had made those changes with a minor adjustment in the value of the home. Instead, they have lost a good, reliable customer for life. As well as everyone I can spread the word too through face book, LinkedIn, Twitter, etc.

I also paid for the Septic Inspection (and nearly paid for septic repairs), and while I was TDY in July, my realtor paid $400.00 to have some boards fixed on the roof-line where the Termite Report (that I paid for) indicated wood-rot. In addition, I now had the utilities in my name as Wells Fargo had them turned off, and the landscaping around the home was dying due to the irrigation system being off! It would have cost me about $5000.00 to replace all of that if I had allowed it to die. This was now the 4th extension of closing. In the end, at extension number six, I finally did close on the house, which is located at ** Hereford, AZ 85615, on August 23rd.

I signed the Closing Documents at the Fry Blvd. Pioneer Title Office in Sierra Vista, AZ. The following day, I was to return to Pioneer for funding and to get my keys. That next morning, my realtor called and told me not to bother going into town as Wells Fargo had foreclosed on the owner. I was shocked! After several calls to Freddie Mac, Wells Fargo Home Mortgage in Sierra Vista, Wells Fargo Foreclosure Department, and the AZ Attorney General’s Office, I got the foreclosure turned around. By this time, my locked rate of 4.5% had expired. The current rates that morning were 3.75%.

When I received the call from Wells Fargo Home Mortgage to come back in and lock in the rate, I was told that it would be re-locked at 4.5%, but that they would pay for the extension of the lock. Seriously? The locked rate had expired due to Wells Fargo and the seller’s realtor playing around, dragging their feet, and Wells Fargo actually foreclosing on the property I had just bought! I had already closed on this house once! The rate should have been re-written at 3.75%, period! Wells Fargo vehemently refused to lock the rate at 3.75%, giving me several excuses why they couldn't. In the end, I told them to stick the house up their collective ** and I lost everything I put into the house amounting to nearly $1000.00. The house is currently back on the market for $220,000.00. I wound up buying another place just up the street from this house and financed through another mortgage company.

I just found out that I was hit with another $56 late fee as my mortgage is due in full on the 15th of the month and if I want to do half and half, I have to pay on the last day of the previous month and the 15th of the current month. This was not what I was told on the phone. It is now March 6th and I intend to pay my mortgage in full on March 15th. However, I am still getting phone calls every hour asking if I intend to keep my house and they say this is an attempt to collect a debt, what debt? I am paid and not due (late) until March 15th, which I plan to go to a Wells Fargo Bank and pay in full. I asked the lady tonight why they keep harassing me and calling me every hour, and she said it is a "courtesy" call to "remind" me to pay my mortgage. I told her I am not a child, I don't want to be reminded, and I intend to pay on March 15th. I don't understand why, in this economy, Wells Fargo would look to foreclose on your house, or make you pay additional fees.

I feel like they want my house! And, I feel I am being harassed by them with their constant phone calls. I wish I could refinance elsewhere. I would give anything to never have my mortgage with them. I was with ABN AMRO for 6 years prior to this mortgage with Wells Fargo and never had a problem. I would like to take this higher. Tell someone, anyone that they are a terrible business, and someone needs to look into their standards. I told the lady to take me off the "courtesy" call list and an hour later, I got another phone call. I just ignore, ignore, ignore. But, I am afraid somehow, someway, they are going to take my house. I don't trust them!

Reason of MOD denial was explained, "You need to be 90 days behind to qualify for review." I contacted Ohio Attorney General Richard ** who followed up with a letter to WF. Soon after we received forms for modification, they said, "Make three reduced timely monthly payments at the end of which mortgage would be modified." The results is filed BKCY attempted to reaffirm mortgage but WF refused unless all payments, late fees and penalty were made in full. Results, foreclosure. Our home was sold at an auction on August 2011 for $71,000, less than what was owed. We were willing to pay full amount of original loan even though the home appraised for $40,000 less. All we asked was reduction in interest and extension of mortgage loan. We are now renting and paying more per month than the people who bought our home at auction. Any recourse?

I tried to sell my house, but due to the many foreclosures in my area, my mortgage was underwater. I decided I could easily rent my home instead. I tried to speak to them about renting it and asked if there was any paperwork I needed to fill out if I could rent it to try to keep my home. They said that they could "try" to see if I qualified for any kind of program instead.

I called many times only to get the same answer "No." I finally wanted to speak to a supervisor. Finally, after I spoke to the supervisor, he stated that they just needed to send some financial information forms and it would be no problem. They said they could not email it, so they had to send it by snail mail. (Really, what company doesn't have the ability to send form electronically nowadays?) I waited anxiously, and I got no letter. And the notices kept coming.

I called a week later. They said that they would send me out another set of forms immediately. I waited, and still no paperwork. I called and was always given the same answer "We will send out a copy right away to you." The paperwork never came, but the notices did!

Out of frustration and in shame and disgust, I had to walk away from my home, because now I couldn't even afford to pay my utility bills. I received a notice of foreclosure hearing and decide not to even come. I had heard the rumors of the judges in the area being cruel in their comments in these cases. I figured why even show up to be berated in a public hearing by someone who is out of touch with reality. I never showed. Especially since I was living over 100 miles away at this point in an RV in the mountains, practically homeless.

I responded back to a letter telling them again we can not afford the house nor do we want to keep it and we are at our daughter's for the winter and to contact me my email. Next, we got a letter about insurance coverage. It's not enough so I sent them a copy as we have plenty. Next, we got a letter from their attorney saying we abandoned our place. Now, how in the world did we do that when everything we own is in that house? So I sent a letter to their attorney telling them. Then a couple days later, our house watcher said someone broke into the garage and shed, my husband said to call the cops, so they were called.

The garage door was kicked in, the lock was broken off the shed and the door knob was changed in the house. Well the investigator set up a camera and trip wire, 3 or 4 men were caught so far. Now who they are, we don't know, until we get home next week or what's missing if anything. But then, that same week we got a call from Wells Fargo asking us if we want the key to get in. Well, hello? If not, I will get in anyway because it's still our house until you foreclose! These guys are crooks and they do not ever listen or document a word of what you tell them ever.

Their famous words are “We are to collect a debt”, and from what I am reading, they sure aren't doing that very well either. Something really needs to be done about this, we don't even have a place to live. I have animals and most places won't rent to anyone with animals and then to have to be treated like this.

I received a check in the mail from Wells Fargo. They began to return my mortgage payments. They went into foreclosure. I called to discuss this with them and said I was going to hire an attorney. They said, "Why waste money on a lawyer when you can send us the money?” I responded, “I tried, but you sent it back.” I immediately filed for bankruptcy chapter 13 to avoid foreclosure because I had a lot of equity in my house. Wells Fargo is supposed to work with military. Yet, because of my active military status, I almost lost my home. My lawyer suggested this only happened because my loan amount was far less than the house was appraised at. He had never seen active foreclosure in 5 months. I honestly believe what my lawyer suggested. That Wells Fargo began foreclosure on my house because I had more than 50% of the loan paid off. Needless to say, I would not recommend them.

The woman who answered the phone at that location had a very nasty, ignorant attitude. Mr. Nick ** gave her my existing loan # and I tried to tell her the new loan #. She replied, "Calm down. It doesn't matter which loan number is given. Both numbers refer to the same loan." She said that in a very nasty tone. Next, when I tried to ask her a question about where to sign the paperwork, she replied, "That's what I'm going to tell you,” again in a very ignorant and nasty tone. After that response, I told her she was a very ignorant woman and hung up the phone.

Nick ** called me back and apologized for the ignorant woman's attitude. He agreed with me that she was very nasty with a very bad attitude and he connected me again to the Charlotte location. At that time we got a different woman who was very kind and helpful. I hope Wells Fargo records phone calls, because I do not know the ignorant woman's name. But the call was placed on 2/17/12 at 11:00 am. Someone needs to reprimand this woman if not fire her. I'm sure Wells Fargo does not want their CSRs to treat their customers this way.

Now they want him to write a letter, hand written not typed, where he has lived over the past 3 years. It just goes on and on. I have purchased over 5 homes over 27 years, and have never heard of this. The only states he has worked in is NE & ND. They approved him the first time, then didn't approve him, because of the appraisal and things needing to be fixed. They made him write a letter as to why he wasn't approved? Don't they know this! The seller is not going to wait forever. I just don't understand this or if they have the right to do this. If you need more info, I will be glad to have him sit down and write it to you.

I know it is much stricter now to get a home loan, but this seems really over the top! He has paid for 2 appraisals, in a matter of 2 months, because the first lady that owned the house couldn't afford to fix what was required, so a contractor who had the money bought the house, fixed and called my son, giving him the first opportunity to buy it. Therefore, a new owner, another appraisal. Maybe that's legit, but all these letters and 3 way calls, just wondered if that is legit? If I am not at the right place in order to find the answers, could you please direct me to the right place. I have heard a lot of shady things about Wells Fargo, but this takes the cake.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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