We got a loan modification that we were having no trouble paying. They sent us a letter stating we were renting the place out and the loan modification was null and void. The subdivision we live in has a postal area as they do not want just anybody driving around so our mailing address and physical address is not the same. When they came around with a certified letter we had to show ID and sign for the letter so they know we live there. Now they are starting foreclosure against us and they will not answer any questions or try to work with us so we can keep our house. Is there anything we can do to correct this problem?

I started a refinance on a property in June of 2009. As of November 21, the process is still in place. This is a $38, 000 refinance for a loan Wells Fargo already services. My credit rating is over 800 and I have banked with the same account at Wells Fargo for over 38 years. The first month there was not action at all. After two months I was asked for more details and told it was about to close. I was then asked for information on the HOA. I submitted that information to Wells Fargo. A month later Wells Fargo said they provided the wrong form and needed this filled out. The new form had just one small change on it in a question. This cost me an additional $100 to get HOA certification again on the new form. Then Wells Fargo said they needed more details on the insurance even though the insurance provider gave them the actual insurance document. Wells Fargo said they needed the HOA to complete a form given the insurance data and could not use the actual insurance papers. After being told the loan would probably close in about a week, I call back about three weeks later only to learn nothing has happened and the person told me a lie --- the document had never been sent in and he apologized. Wells Fargo then claimed the assessments for the HOA association had more than 15% of the residents late and needed to know their actions. The HOA said Wells Fargo had wrong information that this wrong and worked directly with Wells Fargo to show, late assessments were less than 13%, and rentals were under 20% or possibly less. Additional documentation was sent to Wells Fargo supporting this. The person working on the loan at Wells Fargo said he would complete the paperwork and re-forward to underwriting. One week later I called to ask what was up with the refinance and the person at Wells Fargo could not remember and then realizes he needs to be sent to the underwriter. He had told me one week earlier it had been sent. During these past 6-months, I have called the supervisor and manager for the person working on my loan several times. I cannot tell you how many times they have failed to tell me the truth. After being a customer for Wells Fargo for over 38 years, I am done with them. Here are more facts: The loan is a refinance that they already service. The refinance is just $38, 000. I have a credit rating well of 800. I have been a good customer of Wells Fargo for almost 39 years. The property being refinanced is a nice established lake community is Arizona. This loan process started in late June (about 6 months now). The bank continues to fail to respond to calls and has lied in saying it was processing the loan while it sat on desks for weeks and at one point one month. I have in my own personal checking account almost the total that I am trying to refinance. I am refinancing an old loan Wells Fargo has serviced for years. It was an FHA but I want the FHA off it so going conventional. The loan is currently a 9% interest and the new refinance is locked in at 5.1%. It would appear Wells Fargo is doing everything possible to keep the FHA and locking me up in the process from going to another lender. Try to find someone at the bank who well help or even call back --- almost impossible. After banking at Wells Fargo for 38 years, I can clearly state their service has sunk to the lowest levels.

I started a refinance on a property in June of 2008. As of November 21, the process is still in place. This is a $38, 000 refinance for a loan Wells Fargo already services. My credit rating is over 800 and I have banked with the same account at Wells Fargo for over 38 years. The first month there was not action at all. After two months I was asked for more details and told it was about to close. I was then asked for information on the HOA. I submitted that information to Wells Fargo. A month later Wells Fargo said they provided the wrong form and needed this filled out. The new form had just one small change on it in a question. This cost me an additional $100 to get HOA certification again on the new form. Then Wells Fargo said they needed more details on the insurance even though the insurance provider gave them the actual insurance document. Wells Fargo said they needed the HOA to complete a form given the insurance data and could not use the actual insurance papers. After being told the loan would probably close in about a week, I call back about three weeks later only to learn nothing has happened and the person told me a lie --- the document had never been sent in and he apologized. Wells Fargo then claimed the assessments for the HOA association had more than 15% of the residents late and needed to know their actions. The HOA said Wells Fargo had wrong information that this wrong and worked directly with Wells Fargo to show, late assessments were less than 13%, and rentals were under 20% or possibly less. Additional documentation was sent to Wells Fargo supporting this. The person working on the loan at Wells Fargo said he would complete the paperwork and re-forward to underwriting. One week later I called to ask what was up with the refinance and the person at Wells Fargo could not remember and then realizes he needs to be sent to the underwriter. He had told me one week earlier it had been sent. During these past 6-months, I have called the supervisor and manager for the person working on my loan several times. I cannot tell you how many times they have failed to tell me the truth. After being a customer for Wells Fargo for over 38 years, I am done with them. Here are more facts: The loan is a refinance that they already service. The refinance is just $38, 000. I have a credit rating well of 800. I have been a good customer of Wells Fargo for almost 39 years. The property being refinanced is a nice established lake community is Arizona. This loan process started in late June (about 6 months now). The bank continues to fail to respond to calls and has lied in saying it was processing the loan while it sat on desks for weeks and at one point one month. I have in my own personal checking account almost the total that I am trying to refinance. I am refinancing an old loan Wells Fargo has serviced for years. It was an FHA but I want the FHA off it so going conventional. The loan is currently a 9% interest and the new refinance is locked in at 5.1%. It would appear Wells Fargo is doing everything possible to keep the FHA and locking me up in the process from going to another lender. Try to find someone at the bank who well help or even call back --- almost impossible. After banking at Wells Fargo for 38 years, I can clearly state their service has sunk to the lowest levels.

I have been working with Wells Fargo on a loan modification since March 2009. Previous to this loan modification, my credit score was 802 and I had never missed a payment or made a late payment. I called in March 2009 to inquire about reducing my APR, which in turn would lower my monthly mortgage payment. I live in Arizona and the housing market here has taken a huge hit; leaving me upside-down in my mortgage (property value has dropped 32% in last 18 months). Wells Fargo insisted that to be considered for an APR reduction, that I must show I had a "need" . . . which means go on a payment plan or flat out miss payments. I chose to go on a payment plan with Wells Fargo. I have contacted Wells Fargo at least twice a week almost every week in the past 7 months and have consistently been getting the run-around. I cannot get a straight answer and get harassing calls at least every other day from one of their call centers, saying I'm delinquent. I was promised a 2% APR reduction at a Wells Fargo Home Preservation Workshop on 9/8/09 but when I received the paperwork, they did not change the APR as agreed but extended the loan maturity date by two years. Not at all what we agreed to. Now, no one will return my calls but I keep getting the horrible calls from one of their many call centers. I do not know how to resolve, nor do I know how to get a straight answer. As soon as the property value increases on my home, I will be re-financing with another, smaller mortgage company. I have never been so disgusted with a company. Wells Fargo is a terrible company to work with. Buyer beware of Wells Fargo.

Started the refinance loan process with Wells Fargo Mortgage in late February 2009. It is now Sept 25, and we are still waiting for a closing date. I have spoken many times to the contact person but am not getting solid information. Supposedly, everything is done and they are waiting for the title information which is now going on 8 weeks.

I have spoken to a few people and the concensus is they are using this as a stall tactic because the rates have gone up and are probably hoping I will drop them.

I am angry that there are no governing rules to protect consumers against this type of fraud and am willing to join any reputable organization that is working on lobbying government officials who can create laws at both state and federal level that will hold these crooks acountable.