We have been contacted since the Spring of 2009 about a loan modification for our home. We were told we were approved. Not true and this led us to fall behind in our mortgage which led to foreclosure proceedings. We have been contacted several times since then saying we qualify, but when it comes right down to it...we don't. Most of their calls seem to be ways for you to lose your home rather than keep it. For example today, I got a call from WFHM if I was interested in a trial period of reduced payments...however, the representative said, I would become delinquent on my mortgage and would be reported to the credit bureau. I asked, "Is this for real? This is supposed to help people...by becoming delinquent? People really take you up on this offer?" Mary Coffin, executive vice president for loan servicing at Wells Fargo, was quoted in the Sunday, May 2, 2010 of the Parade, "We really want to help people keep their homes." WF doesn't want to help. I don't know how she can live with herself or how WF can feel good about working for such a dishonest company. They have been cited for unethical banking practices and their really needs to be an internal investigation done. I am pursuing this further and am working to bring national attention to this fraudulent company.

After being laid off in 2008 I requested a loan modification with ASC/Wells Fargo.

My first set of documentation (financial statements) to begin the loan modification process was officially filed with Wells Fargo in April 2009. It is now several months later and after sending four hardship letters, three financial worksheets and two EDD award statements they continue to request the same documentation.

Yesterday I received a message from a Wells Fargo agent (1-866-882-5880) requesting that I give them a call. After returning the call this afternoon and speaking with yet another representative, who again could not help with the modification, but requested another financial statement. They refuse to allow me to directly contact a loan modification officer who can actually work with me to modify my loan.

It appears to be fraud, that the loan modification program is non-existent and ASC and Wells Fargo is making a practice out of frustrating home owners like myself who are facing foreclosure.