My husband and I are trying to change our adjustable interest rate mortgage to a fixed rate and we were told by American Servicing Company to fax our information to them (Proof of income, Current pay stub, hardship letter explaining why we are having problems paying our current mortgage rate and the fax number they gave us is apparently not accepting faxes because the loan office-Art setup team has denied us twice because they claim they have not received our fax. I asked to speak with the Supervisor Christal Moore and was denied. They also said they do not accept emails. Can you help us?

I am really freaking out about all the complaints on ASC. I can't believe that when you type in the search engine for ASC nothing but complaint boards come up. I just found out yesterday that if you try to pay your mortgage by the week, which my husband and I do because it's easier for us, and if we're late we always pay the late fee. Well found out that ASC puts your money in a Suspense Account, which is an account set up to pay for any charges or late charges, etc. I flipped out! I wanted to know how they could legally take MY MORTGAGE PAYMENTS and put them in some random account for some stupid "unknown" charges. The guy could NOT give me an answer, it's "just what they do." I am so scared that I am going to lose my house to these idiots and I refuse to. I am in the process of calling the better Business Bureau and calling Clark Howard from our local NEWS STATION. I WILL NOT be taken down by a company who runs like this. We were sold to ASC without or knowing and WE DIDN'T even have bad credit scores and we got sold off! I need HELP NOW! What this company is doing is ILLEGAL and it needs to stop NOW! With all the complaints that I've read and how bad people hate this company there has to be something we can all do! My email is listed...if you have any ideas or things that have worked please help! My husband and I credit scores are shot to hell now because of these people... they WILL NOT take my home!

To everyone who has had a dealing with America Servicing Company (Wells Fargo). I am getting the word out so that we as homeowners and taxpayers can fight back. Send your complaints where they will be heard by the right ears! First, The Federal Trade Commission... their website is www.ftc.gov. Very easy to file on line. Then when you finish there, go to www.senate.gov as well as www.house.gov. There you will find the e-mail addresses as well as the snail mail addresses of your state representative, your state senators and your state Attorney General's office. File your complaint with ALL 3!! These are the people who we put into office to protect us and fight for us so let's get them involved! They HAVE to record EVERY complaint and ACT on them. I have read so many horror stories of how this company has illegally foreclosed on properties as well is illegally charging fees, that it's time our government that we put into office... that our taxes pay their paychecks... go to work for us. Yes... that's what they are there for so let's get everyone out there and Complain, complain, complain and be get the wheels of justice rolling! After all guys, that's how Country Wide was caught doing what they were doing in Florida! We just need to bring it to our government officials attention!!!

I had emergency heart surgery on Oct. 28th, 2007. I was in and out of the hospital from Oct thru Feb. 2008. During that period of time my mortgage jumped from $875.00 to $1194.00. I have not been able to refinance because I used credit cards to live on until I could get back to work. I asked ASC for a modification of my loan because of my circumstances and it has been financially difficult since my mortgage payment jumped. I have never been late on my payment. Tory Scott a Negotiator for ASC told me today that it does not look like my loan can be modified because I don;t have enough income. Yet I have been making the payment of $1194.00 monthly.Plus Tory Scott has run me thru the ringer with requests for paperwork, telling me she has it then telling me she doesn't and not returning my phone calls Due to Tory Scotts unwillingness to work with me and lower my payment to what it originally was. I have come to believe they want me to foreclose. The United States is in a world of trouble with all of the foreclosures and I would think that mortgage companies would be willing to work with people who are trying to keep their homes and make the payments even if it means buying less groceries and doing without a lot of things in life all because I am paying on a ARM and ASC is not willing to work with my situation. Yet I keep making the ungodly payment or lose my house and end like the rest of the million americans in the same boat.

Have read many complaints regarding this company. I am a budget counselor who recently worked with clients who were 3 months past due. Conveying our situation to ASC, explaining we were going to pay the past due amount and our plan to keep on track all led to an agreeable payment plan for these clients. ASC WAS GREAT. They listened, took our budget information, agreed to our payment plan taking this home out of foreclosure status. Let this be a reminder: having your info at hand, being prepared, communicating are all keys to a healthy recovery from mortgage collections. Be willing to work with the lender!!! They gave you a loan in good faith - you wouldn't want your employer to call you in and say "oh, you gave me service but I can't pay you your full salary - you'll just have to settle for that", would you? WORK - COMMUNICATE!