If you are late making a payment they will refuse your payment . if it is 5 days late they want the next months payment also they have sent my checks back refused to take them unless I make 2 payments then threatened me with foreclosure. they are horrible to deal with should be shut down. we bailed wells fargo out people look how they treat us. They are worst than dealing with loan sharks I have never dealt with them but these people are awful add illegal fees and charges on everything and lock you out continually from paying online so you have to pay fees for over the phone they should be prosecuted. I don't care what kind of credit you have you won't have any when you walk away from them.

My husband and I have been dealing with this company for nearly 2 years. December of 2008 I spoke with a representitive of ASC on the telephone. We were less that one month behind in our mortgage payment due to a small business which was not doing well. The lady suggested that we do a loan modification. She asked me some questions and explained the program and it seemed reasonable at the time. By the time we ended we were accepted and I was told not to make our Dec. 08 payment and in Jan., Feb., March, we were to make a payment slightly higher than our orginal payments. If we successfully did that our loan would be adjusted. I was told the interest would be lowered and the payments would be lowered and any owed monies would be put on the bottom of the contract.
We completed our end of the deal and in April a gentleman called from ASC and said congradultions you have completed the trial program and our loan would be approved. Our payments would go down as well as interest. I asked what those payments would be but he said he did not know as they had not came back from the loan officer yet. He said you do not make a payment in April, May and your new payment will start in June or July depending when the documents are finished. I said no payments in April and May. He said that is correct. He said we would be hearing from the loan officer soon.
We were away the first week in May and when we returned there were loan documents waiting. The payments went up and the interest stayed the same. My husband and I thought that was strange since we were told more than once the payment would go down and the interest too. We signed the papers but before returning them I called to make sure they were correct. When I spoke with the person I was told there was a mistake on the paperwork, they would call us back. A week went by no call. I called them back. Once again I was told there was a mistake on the paperwork but only the loan officer could correct it. They would call me back...no call...I called back and was told that my husbands income was doubled but only the loan officer could correct it. They would call. Now it is the first of June. I talk with a gentleman this time and he tells me oh my gosh now you are 4 months behind in your mortgage payments now you are in foreclosure (remember those payments I was told not to make) Now they will not except our money. To make a very long story shorter...we were denied that modification..they had us do another one..we prequalified but at the end denied again...we have done this I believe 6 times now. In Feb. we hired an attorney firm to help us. We are still in the process. Our house is scheduled for sale every month and just before the date pushed out a month. This has been stressful. I have kept notes on every conversation since May of 09 and whom I spoken with. They say they don't have documents when I have a comformation that they do have them. What started out to be a small problem has become a very big problem and all we did is follow their instructions. This seems criminal to me.

This company is unorganized and does not want to help you. We have been applying for loan modification and then short sale since November of 2008. When we found out that there might be government help to ref, we called them. they told us we don't qualify. When I heard about the Homesaffordable thing, I called them, they told us no. So we had to go to the short-sale route. We met with the realtor and she was pretty useless too. She just collceted the paperwork to submit and the long hell of wait began. The next year was just waiting and waiting. After a year and a half, we finally got an approval from ASC. Since we had a second, we had to wait for them to approve as well. They took a long time to reply but we had buyer ready and was ready to sign. After another two months of waiting for Citi, our second, to respond, we finally got approved from them as well. So the realtor was ready to go sign over the paper when ASC has foreclosed on the house. All this fighting and waiting for nothing. I feel like this could have been avoided if they had been more organized and willing to help. The negotiator for this company did not respond to our e-mails ir calls until I told them that I wa going to report them to Attorney General. In thye midst of this a year and a half fight, they kept asking us to send them over the same paperwork over and over. If I would call to check on the status, they would tell me they are still missing papers. Something I had faxed a week ago. They would also keep sending letters telling us that we might NOW qualify for a loan mod.

I feel so upset with them since they were just sittin garound on their asses with our papers. We tried to do things right by short-sale and it was so close. They just wanted to foreclose since I guess it would be easier on them as a tax-writeoff.

Please. my friends! Kam and the Philly idiot speak of that of which they nothing. I was totally scammed by this company that hired them to bully you, misinform, and denigrate.

It is scum like these 2 that enable the crooks to persevere. I will join every and any lawsuit brought against ASC It might be good to get the background of these 2. When we do the lawsuit we will subpoena their bank accounts and see how much blood money ASC is giving them.

I say this because I do not see how our problems with the scum are any of their business unless they are on the take. I sure would not lecture them on their many sins.

Hello all,
This is a copy of a message I sent to someone having problems with ASC/ Wells Fargo. Hopefully, it will also help some of you:
First of all, I am so sorry you are having to deal with this. It is hard enough to have these financial problems without having to put up with unnecessary hurdles. Hopefully, I can help.
I don't think your state that you live in has much to do with it. It is basically finding the right person to speak with. Avoid any customer service reps or loss mitigation reps!! For whatever reason, you will get absolutely no where!! This rule applies to ANY mortgage company, not just ASC/ Wells Fargo.
In our case, we got a loan modification. We showed financial hardship when we filled out their financial worksheet and they lowered our payment approximately $300.00 per month and showed us as current. We don't get our taxes and insurance escrowed. We paid our new lower payment for three months and then our loan modification started which lowered our payment and interest rate for five years and then they both will return to normal (unless we refinance). They didn't forgive anything but added it to the loan (sort of like a refinance).
We started this mess in October of 2008 when we started getting behind (going towards foreclosure) and kept getting the same request for a financial worksheet from ASC. After submitting it TEN times and getting no where with CSRs and even the loss mitigation department, I finally found the number for the office of the president of ASC/ Wells Fargo. I believe I got resolution within a week or so after dealing with the others for months and months. We had been lied to, mislead, and just plain disrespected unnecessarily. We jumped through every single hoop requested and then when I would call to check, it was as if we never did anything.
Whether it is ASC/ Wells Fargo or any other company, keep going up the ladder until someone helps you. You HAVE to keep at it, even if it means months, because it will work out. We just had a new problem with the modification (they added on late fees and shouldn't) and I called the loss mitigation department and got no where again. I call the Office of the President and again got help. Don't let them wear you down because you can do this. The number for ASC/Wells Fargo Office of the President is 1-866-416-5896. Anyone who answers is an Executive Specialist, NOT a CSR (they should answer the phone "Office of the President") and can help- ask them if this is the Office of the President when they answer. Their address is: ASC Office of the President P.O. Box 10328, Des Moines, IA 50306-0328. I suggest you sent a Priority Mail letter with delivery and signature confirmation first before you call with all of your information, including that financial worksheet if you have it and any late notices or paperwork that you have from and to ASC. If you don't have anything yet, just send a letter explaining what you need (make sure to include your loan number). These people are very professional and you won't be disappointed. I have worked with several of them.
Please update me when you hear from them. I would love to hear what happens. Good luck and God Bless.