Wells Fargo Mortgage Reviews

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?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Needless to say, there was not enough time. It seems somebody, Heather ** in Jackson, Florida couldn't manage to do her job. Either she got our paperwork over at 4:41pm then the sellers didn't do their job to get the their stuff in order by 5 pm when the banks closed. So we were unable to get a cashier's check for the down payment. Still at 5:45pm, the statement had not been sent back from the seller. Now, I have to leave work early and drive twice the distance to try to close a major inconvenience today. Do you think Wells Fargo cares? Hell no! They are too busy sitting on their ** somewhere screwing someone else today.

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

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

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

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

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

I am a hard working, single parent trying to make the best life for myself and my family. I was treated unfairly and poorly, and strung along for 3 years. Wells Fargo knew all along that they were never going to let me short sale this home. So, why play the game for three years? How am I ever going to be able to support myself or my children now that I have a foreclosure on my record, not to mention, the fear of deficiency judgment. I live in Florida, and based on what I've read, Wells Fargo can come after me and they have 5 years to do it.

I did everything I could do, and everything Wells Fargo asked me to. I hired an attorney and have all of these commitments by Wells Fargo and their attorneys in writing. Why did our legal system allow them to do this? The fact that they stood in front of a judge while my attorneys pleaded my case, and not one person cared.

Something needs to change. Wells Fargo needs to be investigated for unethical and discriminatory practices. I feel they intentionally discriminated against me because I am a professional, Hispanic female, who works, pays bills, taxes, etc. Nobody cared that three years ago I was left with a nearly $4,000 a month mortgage by a man who walked out on his wife and children. No one cared that I could not afford to pay the mortgage on my own, and had to raise two children alone. No one cared that a man abandoned his children, left the state of Florida, and does not support his children financially. No one cares that I work hard to make ends meet and to provide my children the best "alternative" lifestyle I can, because I cannot afford to give them the things they once had. It's bad enough we had to move to a new home, and are forced to leave a home we loved. We lost a lot, and we just want to be able to move on and get on with our lives.

Shame on you, Wells Fargo for being despicable. Shame on you for ruining the lives of two 13- and 9-year boys, who are nothing but innocent in a series of unfortunate events. Events you could have prevented from occurring!

How good do you feel now?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I am a hard working woman with an MBA. I pay $2,400 a month to this company that now tells me a mistake was made. My loan modification was cancelled and I am now facing foreclosure if I do not come up with $22,000 by the end of the month.

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

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

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

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

We are very aware and confident in knowing that we provided everything in a timely manner in order to secure our loan on December 30th. The concerns and items to which needed clarification had been in the file for months with no question, concern, or need for clarification. The fact that each time we submitted items of clarification, revised documents, or provided new documents, a completely new underwriter looked at the file and came up with more items. This is beyond our belief, is completely unfair, and brings up questions as to the policies and procedures of this institution. We feel it is these reasons that put us out of a home, living in a hotel, and having to spend money each day to provide the necessities to which we did not have access to. It is because we had packed our life away in a U-Haul truck which stayed parked at the hotel to which we resided, waiting to move.

It is not known if these underwriters were aware of how their failure to look at the documents prior to the closing date cost us time, money, and much stress to our family of 8. We strongly believe that we need to be reimbursed for our time and all the expenses we incurred. Had we closed on the scheduled date, our family would not have suffered these losses or stress. We know it was not our doing. We were prepared, and Wells Fargo was not. Wells Fargo knew we would not have a home to live in after December 30th, 2008. Wells Fargo knew we sold our home. Wells Fargo knew all of our belongings were packed away.

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

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

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

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

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

So in listening to all the stories, you are all right: "Who is listening?" But here is who I contacted to deal with Wells, Comptroller of the Currency, Admin of National Banks McKinney St., Suite 3450 Houston, TX 77010-9050 or HelpWithMyBank.gov. I did get a call from a real person at Wells and I resubmitted my modification and was told I would receive an answer in 30 days. Wow. But the real question is, does Wells prefer to foreclose on a property and take the total write-off rather than help save a lender's home, or are they hiding the true default amount of loans they are holding from the government and their investors? We will be in foreclosure and we just want the same interest reduction and principal reduction that other lenders who didn't take bailout money are getting, lower interest rate and reduction of principal in line with existing home values.

On 3/24/10, my divorce lawyer spoke to a Nancy ** from Wells Fargo and followed-up with an email regarding who has legal right to the property and they both concurred that I do. I later received modification documents from Wells Fargo, April 22,2010, giving me a payment which I could not afford. The document still had my ex-husband's name and a place for him to sign and of course he wouldn't because he is not legally responsible for the property. It looked like they still were considering his income in the new monthly payment amount. They closed my account without prior notification and I started to get collection calls again.

Today, I spoke with Josie, a supervisor and she informed me that I have to start the whole process over again. In the mean time, I have an extra $21,000 in back payments and interest, because every time I asked a CS rep to make a partial payment, I was told they cannot do that, until in 3 months ago when one rep said I could mail a partial payment in.

I have mental stress due to the fact that it has taken approximately ten months to finally get a modification that did not take into consideration of my income only. Now my credit is getting worse. I was laid off from my full-time job. Over the 10 months, I have incurred almost $21,000 of back payments, interest and late fees. And now, I have to start the whole process over and am not sure if it will take another 10 months. I have submitted everything that they have requested and still, I do not have a satisfactory mortgage modification amount. I do not want to loose my house as I am the one who put the down-payment on it. I am trying to do the right thing and do not want to go to foreclosure.

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

We had to shut down the business for about 5 months due to his surgery, and for the first time in the 10 years we have been in our house, we fell behind on our payments. I have been diagnosed with a rare and unfortunately terminal cancer called multiple myeloma and I am on the verge of dying. I wanted to be able to die at home and not in a hospital. My husband is now partially disabled due to his accident. In total now he has 54 plates in his head, lost 1 eye, has frontal lobe damage, his lower back is fused down into his pelvis, and in the fall he has to have his neck from C4 to C7 completely fused.

The bank has all of my information. I can't tell you how many times things had to be resent because they had lost the information. The coordinator that is helping us also has all of my information and has gone over all of our financial information and tells us that we qualify for a loan modification more than anyone else she has worked with, yet Wells Fargo keeps denying us over and over.

The first time we were denied, the bank said it's because we made too much money, the second time was because they said they didn't have certain information that later they admitted to having all along. The 3rd time we were denied because they said we had signed a "pay back contract" and that we haven't followed through with the payments. The bank admitted later that we have never signed a payback contract, so once again they had denied us due to false information or information the bank had lost or couldn't find. The 4th time we were denied for not making enough money. It is a joke. When my coordinator called yesterday they told her that they were not going to do anything to help my family and that we should do a "deed in lieu" and give the house back to them.

My husband went back to work in mid April and we have the money to start making payments to the bank, but my husband refuses to give them a dime because of this huge mess and the fact that they will not do a thing to try and work with us and could care less if they are throwing a dying women out of her house. What has happened to human decency? My coordinator tells me that she has never seen a bank put someone through what they have put my family through. I finally had to tell Wells Fargo to deal with my coordinator because the stress was literally killing me quicker, but they ignored me and I still receive numerous phone calls. The bank has put us off so long with their lies that now we don't have the money to pay back all of the late payments and fees, and they refuse to help us.

And this happens all the time. Also, FHA# are different on my 1098 interest statements, and there is always a different Federal Identification number on my 1098 mortgage interest statement. Also, the FHA number for audited loan 703 is different on 1098 mortgage interest statement. Then the pay-off statement that has the right number for the FHA Loan number! So all in all, there are so many things that are done in error, but when I told this, nothing is ever done about it. So it just keeps on happening. So if there is anybody out there that can help, please let me know! Thank you.

I have documents that can prove everything I have said here from bank statements, 1098s, monthly mortgage statements, everything and anything I have kept it from day one of this loan that started in April 1996! I also had a refinance done with Wells Fargo called the Silver Bullet in 2005-2006 with up front fees charged (I have bank statements to prove charged upfront fees) and closings fees where taken out of Equity of home and at day of closing of refinance the Wells Fargo loan officer said I called and requested not to refinance, but I did not do. I called about what happened, told his secretary I did not request that and I wanted to see proof, fax, phone, letter or something, but they had nothing. She said he had left for his vacation at 1:30 that day for Hawaii; closing was to be over by 3:00 that afternoon and he did not want to wait.

After the operation and chemo, I went back to work in August 2008. Then the economy started wavering. So in December, the company I was working for got rid of our disability insurance with no offer for us to pay for it. The very next day, I found a mass in my other breast. I was still making payments on the first mastectomy when I had to have another one in April 2009.

In May, I tried to go back to work but was laid off because of lack of jobs, though the man who I helped get hired is still working for the company doing my previous job. Now with no income and a lot of bills, I called Wells Fargo and again asked for help. I was told they could not help me, because I was not behind in my payment. That being said, I skipped the June payment then called for their help again. Their response was they could not help because I was now behind in my June payment and they put it on my credit report.

Having used up all of my savings and most of my credit and hearing of loan modification, I called again in September and was again told to skip my October payment. But this time, they set up auto payments for one half of my regular payment amount (to be paid each month for three months). They also had me fill out a book of paperwork. Then they proceeded to call me and tell me I was late three times they had to redo the auto payments, each time telling me the previous person did not know what they were doing. Redoing consist of spending hours on the phone with them getting confirmation numbers for deleting what they had done then getting confirmation numbers for what will be the new correct dates. Three times!

Then on the third month, they managed to take out two payments a day apart and overcharged on one of them. Again on the phone, I inquired about the overcharge and was told I had been charged for paying by phone, even though it was not a phone payment but it was auto pay. Then to get reimbursed, I had to fax in proof of the overcharge. Out of these hundreds of hours of paperwork and sitting on the phone and hearing "This is an attempt to collect a debt." every time, I was put on hold then again by every representative I spoke with. I was turned down for the loan modification.

I borrowed money and paid the skipped month and the half months. They have not to date credited it to my account, and now, they have sent me notice that they are going to accelerate my loan and foreclose on my house, unless I pay the overcharge amount of $31.22 in certified funds. Mind you, I have never bounced a check to them and now have to spend my time and money to get it to them.

I've had cancer and two mastectomies, and I am desperately looking for a job. And dealing with Wells Fargo has by far been the worst of my two-year journey. What did they do with the money they stole from us, taxpayers? They certainly have not used it for the good of people in need.

I take responsibility for mistakenly thinking I was setting up regular automatic payments, but when my second payment was late due to my admitted confusion, I was charged $40. By the time I set up everything correctly for the third payment, it was made one-day late. The web interface also doesn't tell you when your payment is due and my absence from home prevented me from seeing my paper statement. I was charged another late fee without realizing it, so the payments I had set up in advance were always short due the the late fee I didn't know about. In the end, I've paid almost $200 in late fees.

Once again, I take responsibility for my mistake, but Wells Fargo has made their system for this type of account so difficult to manage that something simple can snowball. They're obviously doing everything they can to trip customers into bad situations. I was stationed in another country for many years and never realized how great their companies and banks are with creating an easy way to ensure your bills are easily automated.

It infuriates me that an American company this large must resort to taking advantage of its customers because of obvious greed. I will never use any service remotely related to Wells Fargo of any kind and will stress to everyone I know to do the same.

I guess 185k loan is not sufficient for us to be considered customers. My wife was upset that this guy wasted her time and refused to perform a basic service. The bad part is that now that we are getting this money, we are shopping around for a refinance, bonds, savings and other financial services and we have decided that Wells Fargo cannot see to the customers needs because of nickle and dimes. We will be going to our lowly credit union, who believe in customer service. They have our 4k car loan and think that is reason alone to treat us like customers.

On May 3, I received a letter from Wells Fargo stating that they cancelled my loan modification program at my request. What? I need this program. Someone at Wells Fargo took it upon themselves to shut me out of this program. I have faxed a letter to their customer resolution department with no response. I've had to reapply for the loan modification program again! The incompetency of this company is beyond me. They won't even apply the payment I've made to my account. Last I called, they put it in a reserve fund. For what?

Unacceptable behavior. I have been trying to find a job for 13 months and save my house, and Wells Fargo will not help me. They only make you send updated information (even if nothing's changed) every 2 months, but they don't tell you that up front. It has been an ongoing nightmare for over a year. Shame on them!

One of their "executives" tried to fix one of their mistakes and the transactions he made resulted in my credit card and checking account being closed for fraudulent activity. This is now part of ChexSystems. There is absolutely no one in that company that would take the information I gave them and follow up and help me. Because the first mistake they made resulted in us not receiving the funds due us on our funding day, payments to my creditors that were scheduled all were late, resulting in my interest rates skyrocketing from 2.99% and 6.99% to 32.99! The end result, and mind you this is only a fraction of the story as this went on for 9 months, was that we had to file a chapter 13 bankruptcy to just keep our home and we have been living in literal hell for the past 2 years.

I would caution anyone who is considering using Wells Fargo for any type of service that involves your home: do not do it! I am not just some disgruntled customer that had a single lousy transaction; they literally have ruined my life. My marriage, children, job and everything that is of any importance to me has been gravely affected by the financial ruin they have caused. It absolutely amazes me that there is even the remote possibility that this sort of thing can happen in a country where we supposedly have rights. Until you have experienced the hell that financial ruin can leave you in, you would not understand the hopeless and disgusting reality of what can happen to you, and simply because Wells Fargo cannot and will not be held accountable for mistakes made within their own institution.

Beware please because if I can keep even one person from going through what I have and continue to go through, it will be worth putting this complaint out to the public. I have no other reason for doing this. It is not going to benefit me. The damage is already done and if I come out of this with even having a home and marriage left, it will be only due to the amount of suffering and hardship that I will be able to continue to endure before this is over.

Economically, my husband and I went from perfect credit, never had a single late payment, to complete financial devastation, flagged in ChexSystems, and every month we’re risking the loss of home. Physically and emotionally sick with stress and depression to the point of literally not being able to get out of bed some days and only do so to go to my job of 20 years. Complete breakdown of marriage and 25-year relationship with my husband and that creates the children having issues, which result in poor performance in school and depression for them as well due to the financial stress. They absolutely, without a doubt, ruined my life and the well being of my family and marriage and the financial security and things I worked all my life for and that took me 45 years to build. I do not obviously have the money for an attorney and doubt that they would be able to do anything to help. I have tried many other public resources and Wells Fargo is basically above the law. Like I said, the damage is done to me, but hopefully others will think twice before putting their life in the hands of Wells Fargo.

In spite of paying rent in Seattle and a high mortgage payment in Georgia, we managed to make our monthly mortgage payments and avoided short sales, deed in lieu’s, and foreclosures. All but one of our payments was within the 16 day grace period. One payment was made on the 17th. Wells Fargo will not refinance our house in Decatur because we rented the property. Evidently, Fannie Mae does not allow a refinance if the status of the property changes. For example, an owner occupied home to a rental home, even though we didn't have an option unless we foreclosed. Now our property in Decatur is upside down by about $50,000.

My complaint is that suddenly last month Wells Fargo started harassing us with collection phone calls, even though we've never been late on a payment. One loan collector told me the payment was late after the third of the month and the grace period for late fees was until the 16th. He said the payment was still considered late after the third, even though they do not charge a late fee until the 16th of the month. I asked why we were being harassed for the first time last month (April 2010).

Wells Fargo said they had called us every month since January which is untrue. They send non-answerable phone calls to my husband's cell phone several times a day. They do this to my daughter as well if her credit card payment is a day late. I don't understand why Wells Fargo is harassing responsible homeowners. Isn't this a waste of their time and money? Why beat up a consumer who has made regular payments when I know their desks are full of foreclosures and short sells. The audacity of their terrible customer service just makes us want to walk away from the loan and let them deal with the house. I'm writing my congressmen in Georgia and Washington states. Who else can I contact? Wells Fargo will not listen.

In the final analysis, Wells Fargo announced after having had me supply tons of documentation for nearly two months that I was denied. For my experience, I no longer want to have a mortgage with Wells Fargo and requesting that it not call me again, ever.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I was sent a financial package within a few days of the initial phone call. I filled out everything promptly as request. I was also given a company that was helping Wells Fargo with consumer credit counseling, which I did fatefully and they gave me a budget and said that I did meet the HAMP guidelines and that Wells Fargo would be calling me later on in the process and they would be keeping me informed.

The trial payment started August 1, 2009. I was told to call in the payment and I did without a hitch two weeks before the payment was due. As the time went on, I didn't hear from them. So I called every month to ask how things were progressing and every time I would call, I would get a different answer as how things were going from 'everything is okay' to we need an update of your financial. I again gave everything I was told to. Also keep in mind, they kept telling me to send in the quote trial payment of $883.37 which I did via phone two weeks before the due date on the first of every month during the trail.

Now remember, I was never late nor delinquent, just was finding it hard to pay. So this went on and on until the final 3 months ran out which was December 2009. I called again to see if everything was okay and they told me that I didn't qualify and I was refused the help. Then wells Fargo found out they had my financial wrong and they corrected it and told me that they had to reprocess it all over again and that I should continue paying the trial payment $883.37, which again I did fatefully. This went on for another 3 months. Again, I would call every month with my bank info for payment the same as the account that I have been paying them from the beginning of my original home mortgage $1194.27, which I quote neither was it late nor delinquent.

Again, no phone call from them during the whole process. So I get a delinquent notice and phones calls saying that I am 5000.00 dollar delinquent and that I needed to make current or stand the chance of losing my house. I could not believe what I was reading and remember, no phone calls or notices until this one, so I called and found out again that I didn't meet the criteria and I had to bring my account up current or I would be in default. Remember I was told to pay $883.37, not my original $1194.27 for all five months. I ask several times through out this process do I continue make the trail payment and I was told yes.

This is all recorded because Wells Fargo makes it a custom to record the call. In the final call, I was told that the trail payment ended January 12, 2010 and I had to make it current. I also found out that my last two payments for February and March was so called returned to them because they had my bank account # wrong by one #, imagine that after all the years I used the same bank. Again no phone call or notice until it was to late to recover. I then went on the internet and found several families that have lost there house because of in my opinion Wells Fargo's shady practices . I know you can't believe everything you read on the internet as being valid. But when you see thirty and more complaining about the same thing, it warrants an investigation to see if there is a problem. We owe it to the consumer.

I found a the above 1-800 to the offices of the president that was posted in one of the complaints on the internet and I called it out of desperation and he told me that he would look into it and in a matter of a few hours. I received a phone call from Wells Fargo that they have some other modification which only brought down my payment to $1085.27, which I was appreciated very much. The only few concern I had was that this ruined my good credit because of the process which the could have told me to continue to make my original payment until I was approved I took the difference of the 1$194.27 and paid down bill during the trail to help my credit load.

I also received a letter stating that I didn't qualify because my mortgage was previously modified and that's why I didn't meet the criteria for the HAMP which is a complete lie and I have a paper trail to back my complaint up. So I am asking your help in trying to get answers. They will not explain how this happen and why I got this notice only to say it was mailed by mistake

After talking to several mortgage representatives for Wells Fargo informing us that we had a good chance of being approved for a home loan modification out of all of the options available to us, we applied for the program. We subsequently filled out all of the paperwork sent to us and followed all directions from Wells Fargo Home Mortgage.

After a few months, we finally were informed we were approved for the "trial" program and instructed to pay our monthly mortgage payment as we had always, and never had been late, at a reduced payment amount. We were informed that if all went well, made our payments, and continued to show a need for the program after three to six months, we would be approved permanently for the home loan modification. We asked if this would any way impact our credit, which had always been good, and were informed several times that it would not.

For the next six months, we received letters stating we needed to contact WFHM about our account, needing more information from us. We would contact them often, providing more financial statements, pay stubs, etc. as requested by them for our account. We called them on our own as well, asking the status of our modification.

Granted, we only talked to call center employees, and never to anyone who was actually responsible for working with us, nor could we ever talk with anyone that was responsible for our account--being told that was "not possible" unless they called us. The call center reps we would talk to every time would make notes in our file, saying that was the best they could do to contact those who were working with us. We found that strange but did as we were told. We continued to be patient, provide information over and over again, month after month, and make the requested mortgage payment as requested by WFHM.

Last month, we received a few letters stating that our mortgage was late and that we needed to contact them immediately. Each time, we received such a letter. We contacted them inquiring about it and each time, we were told to "not worry about it," and that such letters were "typical" for people in this program and are automated and don't mean anything. At the same time in March, we applied for an auto loan because we wanted to trade a car in and were informed we were denied the loan because of a credit issue. I checked my credit, which showed my mortgage was in default by 60 days.

I immediately contacted WFHM, who informed me that because I had not provided "enough" information (even though we did everything we were asked), as of November 2009, we were no longer being considered for the modification. Not once were we informed of this, and not once were we told they were going to report our mortgage as in default because of the decreased payments we had been making, as specified by them, for the last 10 months. We were told the only way to take this off of our credit was to pay the balance short in full within five days. Seeing as this was thousands of dollars, this was impossible for us to do. So we had no other option but to try to work with them, again.

Again, we were unable to talk with anyone that was responsible for dealing with our account, only being able to talk to supervisors in the call center who supposedly were sending emails to the negotiators in charge of our account. We were told to again send in more information, which we did, and that we would be reconsidered for the home loan modification. Daily we have requested for someone to contact us concerning our account, with no contact from them.

As a side note, we went into a local Wells Fargo Bank branch and were told that if we had gone to them, we could have been approved within 60 days for a modification. But now, because our loan was in default, they could do nothing for us. The local branch manager informed us that we had been deceived and advised that we seek legal council if this issue does not resolve shortly.

We have been lied to and deceived by Wells Fargo Home Mortgage. It has been 11 months of trying to be approved for a home loan modification through WFHM, when we were told it would take three to six months. We were told it would not impact our credit, and yet we are now 120 days default on our mortgage, even though we have never missed a single mortgage payment since we bought this home in 2006.

We never were told we were out of the program in November of 2009. We were told to not pay attention to the default letters we received, which was a lie. We were told we would be contacted by someone who is working on our account, and have yet to be contacted. We call them daily, only to be told the same thing, that we are "in the review process" and that someone will contact us, which they have not.

We have no place to turn from here, and even though we did everything, we were asked to do by Wells Fargo Home Mortgage. We now are in more threat of losing our home than we were a year ago, with now our pristine credit severely impacted. This business has lied to us and we feel, if nothing else, it is our duty to protect others from going through the same thing we have gone through with them.

Their business practices are unethical, wrong, and deceitful. We never would have applied for the home loan modification program through WFHM if we knew this deceit would have happened. We would have continued to struggle to make our monthly payments, but at least have our pristine credit and not be constantly afraid of what will be done to us next by Wells Fargo Home Mortgage.

Obviously, I declined such a ludicrous offer which barely lowered my payment. They refuse to look at any other options. They don't seem to be trying to help me at all. They do not respond to my correspondence and are not even utilizing plans in place to help consumers such as myself. I am several months behind on my mortgage and feel my time is running out for solutions. I have not been able to find employment as of yet. I have responded to every request they have made by updating information in my file. First, they said my income was not enough to qualify for some programs. Later, they said it was too much to qualify for some of the programs. I am not getting straight answers. They seem to want to take my home.

I need some help to try to keep my home at an affordable rate. If they would even give me the current interest rate, it would lower my payment substantially. I am very upset since we, as tax payer, helped to bail out the banks and they are doing little to help the consumer.

On November 1, we started making our actual modified payments on time and in full. By December 2010, we started receiving collections calls from Wells Fargo saying we were behind on our mortgage. I informed them that we have never missed a payment. They began by telling me that it was accumulated late fees.

I told them we had never been late on our mortgage ever. How could this be? After being transferred several times, I talked to a representative who told me that funds had been misapplied back in September / October 2009. He told me that he would escalate a high-priority email to his supervisor and this would be taken care of. He asked me to call back in 7-10 business days, which I did.

After explaining the entire situation to a new representative, she told me that the gentleman who I spoke with was wrong. The reason why we owed the money was that we didn't make the full mortgage payments during the trial period. At first, this made sense. Then I started doing the math. If all 3 trial period payments were reduced by $900.00, that would mean we owe them $2,700.00. But that's not the amount they wanted. They wanted $934.68 which now didn't make sense.

Again, I called them back and explained that this did not make sense either. I transferred again many times, then I spoke with someone who told me that there's been an error and funds have been misapplied. They were going to send a high-priority email right away, and this would all be settled. I told them that someone already tried that. This supposed "high-priority email" has been sent 6 times now. It's never been answered.

On the first week of March, I spoke with another representative, and she told me that I never even made a payment in January 2010. I told them if they wanted me to send them my bank statements, I would be more than happy. The bank statements proved we had made all the payments on time! Then I decided I needed help dealing with this and wrote WA state Governor Christine Gregoire. She directed me to contact the Department of Financial Inst.

I called them, and they don't deal with complaints on National Banks. They directed me to the Comptroller of the Currency. Currently, I have a case number. Meanwhile, we receive collections calls every 3-5 days. It is now April 1, 2010, and the situation still has not been resolved. The collections calls still haven't stopped! The "late fees" are adding up! Our credit score hopefully will not be affected by this. I have contacted our local news station (KING 5), and they want to interview us. If nobody speaks out, this issue will continue to happen. The government gave the banks the bail-out money to help the people!

Recently within the last 6 months, because of current economic situation, we have fallen behind on our mortgage. We have been behind for no more than 60 days. Because we bought our home in 2000, we still have plenty of equity. We had a 5-year arm mortgage, and our mortgage payment doubled after it adjusted.

We applied for modification, and every time, they denied us. We used all of our savings to keep up with payments, but our savings dried up and we fell behind. As I mentioned, we kept the default under 60 days, but still they have notified us that they will be starting foreclosure procedure on us, all because our home still has value.

I tried to understand why did they go ahead and pay my homeowner insurance up which has, if now greeted, a debit with me to them. Because I was paying monthly and the change that not noting they were able to do this modification, now my loan payment will go up. It is going to cause shortages in my escrow account or increase my principal balance. Please help me. I have explained to them that I have become disabled and this has caused me a great deal of stress. They stated that my payment has to been 33% of my income. In addition, that means my note will have to be $585 and they cannot do that even though I have a low loan amount.

I asked to fix my loan rate or change my due date. They refuse that to change my due date I need to pay $250. They also said that because I am not in default that I will just have to keep applying. I will like someone to review my loan to see what can bee done. And every time you call, you have to wait for them to recite this collection pledge of allegiance of how they are exercising their right to the property only and they intend to continue collection activity to me enough to send someone over the top if they have not already gotten there. Please help.

Now, when we contacted a lawyer, he was told a number that were $1700.00 less than the number we were given which, because he received that number, is more accurate to the circumstance. But again, they told us that there is nothing that we can do. I was told to reapply. Now, again they lied and forged why do we have to go through anything again if they are the ones who are lying?

We are not financially capable to make up for the missed payments and reduced payments that we had through the modification. I can make the modified payments, but my husband just come off unemployment and is now back to work. It is apparent that times where hard because of the unemployment. I would just like them to adhere to the modification that was promised. They again are the one who breached that contract. I just want what is fair.

Misappropriation of Govt. Backed Loan Funds: I was educated on this loan product prior to doing business with Wells. Prior to completing any application, I took the time to explain to the loan officer my needs and goals according to the situation. It was only after I consummated a contract on a property and business with Wells that I was told that I could not pick or use my own general contractor as is specified in the program, but was forced use either Lowe's or Home Depot installation department, for which Wells had their own agreements with.

Now, a 203K loan is essentially a government program using tax money to back the loan and strict program guidelines are supposed to be followed by any lender that offers this program, so for a lender to force you to use Lowe's or Home Depot instead of your own licensed General Contractor with HUD certifications is actually illegal. It's misappropriation of tax funds, especially since Lowe's or Home Depot grossly inflates the price of the project costs.

They have very poor Customer Service! Loan Officer or "Con-Officer" had little knowledge about the loan program or process, which complicated the process. You could absolutely never get in contact with her, which also complicated the process. She never processed or provided important docs that were contractually necessary for the deal, such as a commitment letter, etc. We had to continuously hound her for assistance. She was misinforming and ignorant throughout the entire process to the effect that I essentially stopped dealing with her, thus she was that ineffective.

Wells Corporate was no different. The 203K has a 60 day closing window in order to provide enough time for the extra inspections. Wells loan processing never even looked at the file until after the scheduled closing date, which put me in breach of contract and levied financial penalties upon me and I almost lost the deal and my deposit money because of them. The loan processor was also rude and ignorant about the loan product and what needed to be done. They asked for the same docs several times, kept losing things, and simply could not close this deal. Even after sending at least 5 complaints letters, to include to the CEO and Board of Wells Fargo, as well as an executive complaint, these people sat on their butts and absolutely nothing got done. I had to get my attorney involved and threaten law suits, as well as contact their President's Office everyday in order to get this loan closed, which still took 100 days!

Negligence: It took 100 days to close this loan, purely due to the negligence of Wells Fargo! Their negligent practices cost me several thousands of dollars in penalties, living expenses and utilities, and lost time from work. They didn't process the loan file until after the contractual closing date, which was 60 days (not 30). They put me in breach of contract no less then 5 times on numerous counts. Even after they begun to work the file, they would lose documents and/or not acknowledge their receipt, not follow-up on contractual dates or obligations, not return calls or correspondence in a timely manner, and absolutely didn't take their obligations as a lender seriously. Furthermore, they continued to make errors on important documents, which delayed the process even more.

One such example of this was the closing package, which had to get corrected numerous times by Wells because of their errors. Even after we closed, another mistake was discovered, which ended up costing me $800 out of pocket to remedy. After closing, it took Wells over 2 full weeks to fund the project, which should have taken at most 1 week, thus it took a total of 114 days from consummation to funding! Furthermore, two months after closing, they apparently lost my home owners insurance information. I received "robo calls" for three weeks telling me I was in violation of their agreement when it was their negligence that caused the information to be lost again.

After all of this was said and done, I lost $2,205 in extra rent payments, at least $400 in extra utility payments, I couldn't move into the property until March of 2010, which is astounding since my loan application was done back on August of 2009! I sustained additional losses per extra insurance costs, lost time from work, cell phone costs, and other related costs and fees. In total, I estimate my losses were around or over $4000 directly due to Wells Fargo negligent and incompetent business practices. I am currently in the process of preparing a BBB complaint and weighing the possibility of filing complaints with the HUD Inspector Generals Office and the FL Banking Commission.

I advised to the representatives to speed up the case because the sale date was getting very close. On March 3, I fax the documents. They advised they have not received the documents; again I fax them on March 8 to the same fax number. Again the representatives advised me they have not received the documents. On March 11, I spoke with one of the representatives that was kind enough to give me the correct fax number; they received the documents the same day. The representatives advised me to call back within two business days, so I did.

I spoke with John. He advised me he will not postpone the sale date because this case exceeds the 50K and because the loan is FHA loan and other reasons that the client and I do not comprehend. I advised him that I will call the office of the president, so I did. I called Sara H. and left her several messages on her voice mail until she responded to my call. I advised to her that I have faxed her the package for her to review and help this client. I advised her that this was very urgent since the client had a sale date schedule for March 17, 2010.

She advised because she did not received the document in a certain time, she can not help this client advised to her to help this client to postpone the sale date and give him the opportunity for him and his family stay in his home. She advised it is too late and she can not do anything for them. They really want to stay in their home; they just want one more chance to start all over. Mr. P. will be out on the streets homeless with his family and his children struggling on this cold winter, trying to get a roof over their family. Thank you.

When I called on 3/12, I spoke with Adanna in the Foreclosure Department and she advised me that my home sold. She also advised me that there have been several attempts to have this sale date postponed with investor and attorney approval. It looks as though nothing was done in regards to this postponement. To verify that my home has been sold, I contacted the attorney at First American Loan Star and spoke with a representative there that stated that there were no requests made in order for the sale date to be stopped. She also advised me that my home has been sold. I lost my home. I would like to get it back and work with the lender so that together or with the government assistant programs I will be able to get a payment in which I am able to afford and keep my home.

Now, Wells Fargo has sent me 3 certified letters stating I am two months behind, even though I have my cash/money order receipts that I am not. They gave me until March 16 to get current. My online bank statements show that I am now current. I never made another payment once I received the letters since I had receipts to show that I was current. I did fax in all my receipts. They have since updated the online payment history showing current and all late fees waived.

I have now mailed in my March payment in the amount of $1540 (more than mortgage payment), this was sent on 3 money orders. Money orders have been cashed, but Wells Fargo shows no record of ever receiving these. These were mailed to them to the address that they requested them be mailed to. Now, they can't find where they posted my March mortgage payment to. Their only suggestion is that I set up to pay online to them now so this does not happen month after month. When I called today, Wells Fargo wanted to know if I would like to make my February house payment while on the phone with them. I paid my Feb payment on Feb 12, have my receipt to show this and has been faxed in at least twice now to show this.

I want my March payment posted to my account. They cashed but can't find now. This has been very frustrating and very overwhelming to deal with month after month with them. I am afraid that one day I will come home and be locked out because of their mistakes that they cannot explain or hide. I have tried calling the Texas Rio Grande Legal Counsel, only message you get day after day is that no one is available to take calls at this time.

I have called and have not ignored this situation and need advise or assistance on who I need to go to next. Wells Fargo's only advise is, mail here to this address, keep receipts or set up to pay online. I want someone to help me get to the bottom of all my past payments that I am having to deal with, not the future ones. Has created a very stressful situation at home because I am constantly worried about this and major issues in my marriage.

I have had an ongoing problem with this company since I was injured in 1998 and have been approved total disability in 2000. Due to the loss of income from my job and waiting for the approval of workers compensation and SSD, I definitely had trouble making my mortgage payments. There have been so many incidents and to go into it here would be very difficult. I will try to condense the major issues. In November 2000, I was finally approved for a loan modification beginning in December 00 thru May 01.

Under banking laws which I have investigated now and unfortunately not at the time of this agreement, I was not aware that the monthly payments were not to be altered. I did argue that I signed a contract with them stating I would pay the amounts on the agreement, but was continuously being harassed and told to pay different amounts every month (I have all this documentation if needed for further review if requested). The first two payments were way over the contract amount, the others changed on a monthly basis when I continued to call as requested by WF.

In June, I received my 1st motion of foreclosure. This motion stated I was behind March through May in my payments. I called and argued to no avail and was told I was behind in my payments. How could I be when I was under loan modification and was submitting this amount and that. Fell on deaf ears. Submitted info on checks that posted and cleared and still got nowhere. I eventually found out that payments were supposedly lost or sat on someones desk not being posted. I also learned that attorney fees and late fees were taken out first and my account was put in suspension mode. Until review of my records this year, I found so many discrepancies of how my account was constantly in suspension and my payments were not posted first to the note, principal and escrow. Upon review I found that they took out lawyer fees in March, when my motion was dated for June. How can that be while I am still in a signed agreement with them and how could they assume that I would not continue to make those payments?

A 2nd motion for foreclosure was issued to me in December for hearing in Jan of 2002. Again they stated I was behind in November (motion brought against me for supposedly two months behind - Nov and Dec). The Nov payment was late but it was paid and a lot more than the note payment due. In Dec., I submitted two checks because I again was told my account was in suspension and I needed to send in more to get it out. These two payments were never posted totaling over $600. I submitted statements from my bank stating these were cleared and still WF did not post to my account.

So as stated, the motion dated in December and attorney fees were taken out in October. Again how can they take money out way before a hearing is scheduled and put my account in constant suspension? They also started adding $15 in fees (several in a months time). I called and asked what these fees were and was told just to pay them. I later found that these were inspections fees because my account was past due. I argued and argued and got nowhere. WF continued to take money for attorney fees, late fees and now inspection fees first instead of applying my payments to the note. I was in a constant state of Perpetual Default and always in a suspension mode of my payments.

Also after doing this review, I found that they held an escrow check on me stating that I was in default on my account. At the time of issuance of the escrow, my account was not in default, but of course I was not aware that they took out attorney fees, late fees and inspections fees on my account first. In Dec of 02, I received a 3rd motion for foreclosure dated for Jan 03. On this motion they stated I was behind 3 months. I knew I was behind one and that was the month of October.

In Sept, I submitted my payment and it was not posted until almost 3 1/2 weeks later. My November payment I submitted over $626 to pay for November and a partial for October. I failed to state also that on these legal documentations submitted to the US Court, they lied about the late fee amounts owed on the account. They doubled them per month instead of the correct amounts always bringing incorrect figures on these motions. So with that said on this 3rd motion they were asking for $425 in legal fees and outrageous figure to bring the account up to par. Their accounting errors continued causing hardship and so much stress on my health. They were incorrect. Under protest, I submitted a $425 check for attorney fees and a cashiers check for the remaining amount. This was not posted until almost 3 weeks later.

Again, my account was put in suspension and of course more and more over payments were made by me on my account. Please remember I was injured and had gone through several surgeries and was always hit with these motions while trying to recuperate and at times did not have the strength to fight them. Granted I made more calls than I can count and did submit letter after letter complaining of the errors on my account. I got nowhere except harassed, threatened that if i did not pay I would lose my home.

In 2004, right after I received notification that my chapter 13 was discharged and paid in full, a $1476 charged appeared on my statement. I called and called and would not receive answers as to what this charge was just that I am responsible for the payment. I refused. I was threatened that I would lose my home. In 2008, I had a major change in my finances. I tried working with them and advising them before it got out of control. They told me they could not work with me until I was three months behind. I couldn't believe it. In August, I looked for assistance from HUD, we got the run around both of us, stating I never supplied them with the reduction of income and never submitted a hardship letter. Now this was done by HUD and by myself personally. They said they never received it. So again, I was having difficulties paying my mortgage.

Finally in Dec of 08, I received a call stating I was approved for a loan modification. I was very skeptical because of all the issues I have encountered with this company. The guy assured me that as long as my finances did not change that after the period I probably could get my payments reduced. Just make sure I contact them every month I make the payments until the final payment before April. I did that. Then the final blow. I was told I had to make a payment of over $2300. I gasped and said excuse me what are you talking about.

He said that the extra amount was the Corporate Fee from 2004 that is owed. I said no way, I'm not paying that fee and I have had no changes in my income so how could I afford that payment? He told me that if I do not pay it, procedure to have me evicted in 60 days will be enforced. I started to cry and said well there is another option, to sign a new agreement to pay over $700 a month for almost eight months. No way was I going to sign that. I can't make my normal payments and you want to almost double it. No I refused. With all the loss in finances, I had no recourse except to file chapter 7.

On May 11,2009 the papers were signed and submitted and on May 22, I was served a 4th foreclosure notice for hearing in June. I could not believe it. I was told not to pay December's payment under the loan modification. I made the other payments as requested. So in order not to proceed, I borrowed from everyone and their brother to get the money for December, May and pay June's payment before the hearing date of the 24th or 26th. They continued to accept my payments through all of these motions.

I never once went to court. I should have let them take me just once so I could have proven the injustice this company has done to me over the years. They once again held part of my escrow for late fees. These fees should have been null and void since I was put into so many suspensions because of their unethical banking procedures. Again if motions were brought against me because of being behind so many months, why did they continue to take my payments?

They were bleeding me dry every time, forcing me to make more and more payments to get my account out of suspension. With one rebuttal, they replied to they actually admitted to overcharging me $766 in legal fees going back to 2001.They credited that amount to the Corporate Fees they say I owe which I am still fighting. In the research I am doing now, I found that they reduced my monthly payment in May putting my account into suspension again stating i did not comply with the court order for attorney fees. Did I not state above that that payment was submitted under protest and applied to my account in February after I submitted in the beginning of January.

They reversed my May payment and again put me in default of my loan. They also charged me an additional $150 in attorney fees and never disclosed that information to me. The reason I know, all this information is that I received an account activity breakdown from them going back to 97 or 98 and I worked with that and all my banking statements and records and canceled checks. To date, I have submitted documentation until 2004 showing all the over payments I have made through these years and the illegal motions they have brought against me. I was not in default every time they brought these motions. It was the mishandling of their postings of my money. It was taking fees for attorneys way before hearings were actually filed, late fees that were not warranted and again inspection fees because they continued to put me in a perpetual default mode of my loan history.

They have ruined my credit beyond ruined, they have caused me major health issues because of the stress and sleepless nites I am having. Part of my injury from surgery is that I suffer cervical headaches. The stress this has caused me is more and more tension in my neck which brings on these cervical headaches. It is controlling my life again because of the predatory games they are playing with my money, my account, my life.

I am going to continue with my research. I am going to go through all documents and records until present time. They have filed motions against me that should never have been brought. They have stolen money from me. I have proven that to date, it is several thousands dollars to date. I have had to borrow so many times to get out of this mess. I have been harassed, threatened and have suffered financially because of this company. I have stated to the BBB and the OCC that I want monetary retribution for all the wrong doing this company has inflicted on me. If I could afford an attorney, I would take this to the highest courts for retribution. This time I don't even think Wells Fargo can argue or become fancy with their words to get out of actual documentation and proof of payments of how I have overpaid them and that all those motions were unjust. I am looking for Total Monetary Retribution. I want these motions to be expunged from my credit history because they were unlawful. Thank you.

I kept sending in paperwork of our monthly bills every month (budget) and kept copies of every form that I sent in. Their response was they never got it. I would always do a follow up call to see if they received the paperwork and they told me "yes". This went on every month sending in paperwork 2-3 times a month. They were losing the paperwork because I always did a follow up call to see if they received the papers that I faxed in. You never talked to the same person. In Dec, we were served with foreclosure papers, even though, we had a modification plan in progress.

I filed within 20 days of the foreclosure to the courts and Wells Fargo attorney. We are making payments every month for 4 months and then they want a balloon payment in April. I have been waiting for this document from Wells Fargo that states we are in a trial program. Do you think that they would send me a copy of this?

I have asked (estimated) 32 people to send me this form. I cannot get no one and I mean no one to send this out to us. I will file papers again with Wells Fargo to tell them that nothing has changed. I will go through the same process over and over all because Wells Fargo cannot get their act together, telling the public that it is the consumer not sending in the correct paperwork. They're fooling no one but themselves. I have every document that I sent in, every one.

Wells Fargo has started foreclosure proceedings on us and I have no document stating that we are in a trial period, even though, we are paying it every month. I hope and pray that we get a modified loan with the interest dropped and the loan value of the house lowered so that our payment can be affordable. Everyone is upside down on their property value in this country and everyone deserves to keep their home as long as they try.

We had to give up material things to save money to make the payment. I've given up going to the doctor every month and not getting prescriptions because I couldn't afford them. You do what you have to do to get by. We were $18 over in our monthly income to get food stamps. Do you know what it is like to spend $50 a week in food for a family of 4? It is very rough. The system is broken?

Later, when we returned home, (with no home), my fiancee looked up FHA requirements online and found that it was in fact not a requirement. It took us two minutes to find on the internet what the paid underwriter did not know. We have been trying to get a hold of supervisors, response from any of them and have not been able to contact anyone or receive any kind of compensation for our inconvenience.

We spent all day in Warrenton, used a full tank of gas and received no break on the fees from the underwriter. I will never use Wells Fargo again. If we were not as experienced at buying properties as we were, we could have had to scramble and live in a hotel for God knows how long until they were able to figure out what the actual FHA requirements were.

She paused for a very long time almost as though she was purposely doing this to me. Then after her long pause, she says, "I’m sorry, but we are unable to properly ID you. You’re going to have to call at a later time." Excuse me. I said, “After answering all your questions, what else do you need to know? Did you not understand my answers?” She started to get an attitude with me though this was a laughing matter, so I requested the manager.

Somehow I got an Alex ** from CA, who came on the phone. I explained to him what just occurred and he says nothing. I mean, there was just a long silence. So I said, “Hello, sir, are you there? And his response was, “Yes, I’m here.” And I told him, “Aren’t you going to give me some sort of response?” So he says, “Can’t you hear me?” Very rudely, by the way. “If you can’t hear me, then I can turn up my volume to the ear set here.” I said to him, “I can hear you just fine, I just want some kind of empathy or sympathy.” So he says after all that, "Let me see if I can ID you." Sir, all I want is to have access to my accounts on freaking line!

So he starts to ask again a million and one questions and says, “Okay, I have properly ID'd you now.” I say to him, “These are the same exact questions the previous girl asked and exact answers!” So he says, “Well, I don’t know what her problem was.” So I let him know that I know WFB since 1997, I have been a member, customer service comes first! So then he says, "I can transfer you to online instructions. I tell him no! At this point, I want to pull all my accounts out with WFB! I just wanted to be able to see my balances on line. Then I asked him to transfer me to a survey when we’re done. He states, "We don’t have any surveys, ma’am." I say to him, “Yes, you do. In Houston, they have a shine survey or a wow survey, don’t you guys?

He says, “No, I don’t know what you’re talking about, ma’am.” So I say to him, “Then how do you know how your branch is doing?” He says, ‘We’re not a branch, we’re online. At this point I’m asking for his DM. He says, “We don’t have a DM. I say to him everyone does. How does your district run without one? He says, “I don’t know.” I, at this point, tell him, “Thank you for wasting my time.” Needless to say, I’m looking into Chase Bank right now and will be pulling all my accounts out!

Wells Fargo reps told me they were going to go ahead and foreclose on my property and I stated to them that they cannot until I was behind on my mortgage. I have never been late on my mortgage but as time is ticking away, times are getting harder and I cannot keep up the payment and wanted to save my credit from being damaged from a late payment. I am going to fall behind and worry that I will not be helped and nobody will call me back or give me any information.

Once I read the letter in detail, they have all the information wrong and the numbers are not what was sent in via fax or verbally told to the representatives at Wells Fargo's Loss Mitigation Department. I am now worried about losing my home. In the midst of all of this, my wife is fighting health issues and causing more stress due to the mix up and the fact that Wells Fargo has no idea what the left hand is doing with the right.

I have worked hard all my life and raised my children and grandchildren here and would love the chance to keep it that way. It would be greatly appreciated if you could help me with the fight to keep my home and give us the financial stability and independence that we are seeking. This has caused for our health to take a downfall along with all the stress.

If you look at the records, I spoke to someone at Wells Fargo nearly every day and not once did anyone mention that I had until February 18 to get the papers back or Wells Fargo will foreclose on my home. Now ,Wells Fargo has taken my money, time has expired and Wells Fargo has a foreclosure sale date of March 4, 2010. Now I am told this process has to start all over again if Wells Fargo does not foreclose first. Why?

As a result, they closed my file. I never indicated that I wanted to sell my home. In fact, when I returned the unsigned contract to Wells Fargo, I included a letter informing them that the modification contract being offered was still unaffordable and that I want to keep my home so I requested them to please offer an affordable modification plan. Wells Fargo is using the bailout money and government assistance to take advantage of troubled homeowners by locking them in at above market rates.

Wells Fargo then tells us it will be on the whole amount, we said we only borrowed half of the equity line. Wells Fargo said that is just the way it is done now. I asked him if Wells Fargo thought that the American people are that stupid. We walked out. We are now just waiting until can refinance and get out of Wells Fargo. They have lost a good customer with great credit for life. Screw the banks, they got bailed out and the middle class did not.

When my husband's job was downsized, we struggled and struggled to make our monthly payments. I took out loans on our credit cards to make our payments. Soon, we found out that the struggle had turned to late payments. I called to see they could modify our loan. They said that they would send the necessary paperwork to get it started after several calls. I did not receive anything. As a result, we lost our house to foreclosure and we had to move. If anybody need to go out of business, they do. Let all of them that call you and harass you see what it feels like on the other side of the fence.

I talked to collections, and they stated that the house was taking out of loss mitigation in May 2009. Wells Fargo offered all this help, and you supply what they want. They can never find it, and always want to know who you talk to. I thought that whenever you talk to someone, it is documented. I probably have more notes than Wells Fargo. I honestly think that Wells Fargo needs to be looked into, because they have very poor service, and I feel they just linger customers on.

Wells Fargo have truly stressed me out, over the last couple of months, because I have been trying to maintain the house for over a year, and the payments are too much. Wells lead you on like they can help you, then it's like I am sorry I don't know who you talk to. I am sorry is not good enough. I have fallen behind on other bills trying to keep this house. I keep getting a headache dealing with Wells Fargo. Believe me, this situation has taken a toll on me!