I submitted a refinance loan application through the HARP program and submitted all the required documentation. Wells fargo has drawn out the process for months, and I believe they have no intention of following through on the loan.

I initally wanted to do a modification to loan that took alomst 6 months and over 60 hours on the phone. It got to the point where I was so frustrated I started to have severe chest pain and hyper ventilating. I realize it was anxiety attack but these people were ruthless. I sent in the modifcation paperwork over 6 times to them mailed, faxed, registered mail and fianlly fed ex. I have a paperbox yes a full paperbox 11x10x10 full of the documentation to get this modification. Every representative told me different amounts. When they finally sent my papers which wasnt a modiciaftion they just added 6 months of payment ot end of contract they sent me another person finanical data-I was horrified. When I called to report that I was cocnerned about my data they said just because you got someones else doesnt mean someone got yours. Not an apology not an admittance of error they actually became rude and insulting to me.

I will never own a home again unless by some miracle I win lottry and can cash. Due to economy I am now in foreclosure, I tried to to the short sale but Wells fargo refused a very reasonable offer on hosue and would not take anything lower than what was owed. They are doing this to everyone. When exactly did Wells Fargo decide they wanted to be realtors and all these homes? As far as employees of Wells Fargo how do you sleep at night?, Do you have to go through some special training to be the rudest most inconsiderate custmer service department on the planet? I do not understand why the government does not step in this bank is screwing all of us americans to line their pockets after the banking industry has already took millions from us to begin with.

My husband has a loan on his truck that was with Wachovia. Wells Fargo bought out Wachovia so now it is with Wells Fargo. We have struggled to keep up with payments because my husband has been unemployed for 2 years now, but we never fell more than 45 days behind until recently. We were a little over 60 days behind. They called my husband and asked when he would be able to make a payment. He said he didn't know and he would have to talk to his wife (me). He told them we would call back and let them know when we were sending a payment and how much. They really pressured him to tell them when he would make a payment and to authorize an automatic payment. You all know how that goes with any creditor. I handle ALL the financial matters in our family. He literally doesn't even have a bank account and is not on mine (he constantly overdrafts so I made him 'cash only') so legally he can't authorize any automatic payments. However, I have made online payments to Wells Fargo for his loan so they had my account information. Two days after they called, my husband received an automatic withdrawl notice for $600 + $10 fee. HE NEVER AUTHORIZED IT!!! I had the money in the account and it was behind so I just let it go. They took out $660. $60 MORE than what they notified us of!!! THey have locked us out of our online account access also so I can't even see if they applied the full $650. A week later we got another notice of automatic withdrawl of $260. We received this notice one day before the withdrawl was to take place. My husband called them right away. THey said they were going to get an account manager and put him on hold. He was on hold for about 3 minutes when he was returned to the main menu and told the offices were now closed. I called my bank in the morning and put a stop payment on all Wells Fargo transactions. Of course that costs $25...

I just want to also comment that my husband has tried several times to have me authorized on the account. First they said all he needed to do was give autorization over the phone and I would be able to call to handle his account. So he gave autorization. I called and they screamed at me saying I wasn't authorized and hung up on me. My husband called again. This time they said he had to write a letter to authorize me. He did that. I wasn't authorized when I called...and was yelled at and hung up on. He called again, this time he was told it had to be a specific form and had to be notirized. They sent the form, he filled it out and had it notorized. I put it in the mail. I still wasn't authorized when I called...and was yelled at and hung up on. We've given up on that.

I am a victim of Wells Fargo’s Loan Modification scam (HAMP)

September 27th, 2010:
In the summer of 2006 I was approved for an adjustable rate mortgage by Wells Fargo in order to build a home for myself and two children. My payments were very affordable until 2008 when an increase of over $800 a month put my monthly payment at over $1800 a month. I struggled but was able to make my payments until I suffered the loss of a job and a change in my salary in December of 2008.
I continued to struggle each month until June of 2009 when I was made aware of the government program called HAMP (Home Affordable Modification Program). I contacted Wells Fargo inquiring about the program. Wells Fargo informed me that after going over my financial situation over the phone with them, that I would indeed qualify for the program and that I would receive a packet via FedEx in a couple days to fill out and send back in. The packet finally arrived August 16th and I took great effort to fill out each form and gather copies of the required information. I returned the signed forms and packet containing all of my information within 1 day of receiving it. I contacted Wells Fargo a few days later to verify that they received my packet and they confirmed that they had my information and would be reviewing it. I was assured that I would hear back from them within 30 days and not to make any further payments until it was determined what exactly my trial period payment were to be. I did not hear from them within the 30 days, and began calling to find out what was taking so long. I was told that their department had thousands of applicants and that it may take a little longer. Again, I was also told not to make a payment yet and was assured that very soon I would receive that information in the form of a FedEx package. Two months went by.
I finally received the package 10-26-09 and was given a “Welcome to the program” letter with contract and an outline of the three trial period payments of $691.86 with the first one being due 12-01-09 (over a month away). I called Wells Fargo and immediately set up the three payments via personal check predated for several days before each due date. I wanted to make sure the payment reached them before the actual due date to show my intentions of good faith.
The first payment was made 11-28-09, the second 12-28-09 and the third 01-28-10. I then anticipated hearing back or receiving some paperwork shortly after the last payment was made. I called a couple of days later to inquire about the steps being complete and what I should do next. I was told that it would again take up to 30 days to be reviewed and completed and that I should receive the same contract back via FedEx signed by them. When asked what to do regarding a monthly payment in the mean time, I was again told not to make any payments until the packet arrived. I received the packet containing the signed contract, via FedEx, on my door step in March 2010. The contract was signed by Wells Fargo 03-04-10. I called to inquire what the next step would be and was told that I would be receiving another packet via FedEx containing paperwork regarding the re-modification, making it permanent. I was told this could take up to 30 days and that my new payments would begin as soon as I received the paperwork.

April 19th I received a letter from Wells Fargo dated April 14th, stating that unfortunately I was not approved for the Home Affordable Modification Program because I failed to make my three trial period payments. I was so upset and confused because clearly I had made each and every one of those payments. In fact I made them early! I called at 7:35pm and spoke to Jonathan regarding the letter. He confirmed that I made each payment, and said that the letter was sent out in error. He was as confused as I was regarding the error, and stated that in fact a “New Trail Period Letter” was sent out automatically on April 15th, just after the erroneous “denial letter” was sent to me by mistake. He assured me that he was entering the notes from my call into the system and that it would be forwarded to his supervisor for correction. He asked me to wait a couple business days to call back so that it could be straightened out.
I called 04-21-10 and spoke to Breanna and seemed to have to re-explain each and every detail of the past ten months of beginning the program. She put me on hold for 45 minutes while she spoke to her supervisor and assured me that she was sending an email to correct the situation and have the “Second Trial Period” removed from my account. She instructed me to give the email some time to get to the correct department and call back in 3 days. In the mean time I received the “Second Trial Period” packet via FedEx. I again called back and asked to speak to a supervisor regarding the confusion. I was told that no one had yet responded to the email requesting help to remove the “Second Trial Period” and the women stated that she was not sure who to send another email to, or who was even working on my case. After an hour on the phone she stated that the only way to get back into the program was to start over and fill out the new packet that had just arrived. I explained that I had done nothing wrong and that I had received the signed contract back from Wells Fargo completing my portion of the program. She offered no help and again told me that I would have to start over and apply to the program for the second time. It was Wells Fargo that had dropped the ball, and I was falling through the cracks!
Feeling helpless, and scared of losing my home, I completed the second packet and again called and set up three trial period payments several days ahead of their due dates just like the first time. The worst part about the second trial period was that my monthly payment had DOUBLED! The first time my payment was $691, this time the payments were increased to $1, 224! Feeling absolutely helpless I dug in and waiting to complete the process for the second time. The first payment (this time) was made 05-28-10. Two weeks later out of the blue a Wells Fargo debt collections rep called me to collect a payment of over $11, 000 (late fee’s and unpaid mortgage payments). All along I found out that Wells Fargo had been reporting that I was not making payments and adding interest and penalties to my balance. I was in shock! I explained to the rep that I was in the HAMP program and that my first trial period payment (of the second program that I had been placed in) had been taken out of my bank account just two weeks prior. She put me on hold for 20 minutes and came back on the phone to inform me that according to the notes in the system, I had called to remove myself from the program!!! In fact the words she used were that I “requested to be removed from the HAMP program.” I was again in total shock that I was being told something so “out of left field.” I explained that I would never do that and it must have been a mistake on their part. I demanded to speak to a supervisor! I was told that Wells Fargo would have to “pull the actual call” and it would take 15-30 days for them to do that. I told them that this was illegal and that in no way shape or form would I have ever removed myself from any program that was going to help me keep my home and everything that I had worked so hard for. I threatened to call a lawyer and report them for this action.
The supervisor replied to me, screaming at the top of her lungs, that I was no longer in the program, it would take too long to pull the call and I could be placed in foreclosure! She demanded the only way to get back into the program as soon as possible was to start over the entire process again! Feeling completely helpless and defeated I once again was sent a package via FedEx to complete the process all over again.
It’s now June 2010. I spoke to Customer service rep Stacie and was told to make my regular monthly payment of $1, 295.92, which I have a confirmation number for. She told me to re-fax all of my information to the loss mitigation department and call 2 hours after to verify that they received the information. I did exactly what they asked and began the HAMP process for the third time. I was assigned a loan servicer whose name was Armondo Lopez.
I spoke to Armondo who told me that all of my paperwork needed to be sent in like clockwork every 30 days to maintain my status in the program, and to call at least once a week to check on the status of my approval. I called each week and continued to re-fax my paperwork, signed and dated every 30 days. Armondo called and informed me that in fact I was not accepted into the HAMP program due to my ratio of debt being 21% instead of the required 31%. He stated that I would be reviewed for “in house” programs. He encouraged me to continue to call each week and keep my information faxed in every 30 days. In the mean time, I continued to pay the $1, 295.92 mortgage payments for July and August.
09-23-10 I phoned Wells Fargo and during the identity verification process the customer service rep informed me that my home was in foreclosure with a sale date of November 4th.
09-28-10 I received a letter in the mail from Wells Fargo’s law firm stating that they were moving forward with the foreclosure process of my home, setting a sale date of November 2nd, despite the fact that my case is still officially under review with Wells Fargo. In the same letter, they informed me that we may qualify for their home re-modification program… the same one I’ve been applying to for the past 15 months.
From the beginning, I did everything Wells Fargo asked me to do. I never gave up, never withdrew and was on time with each and every application, contract and payment to Wells Fargo. Yet, I am currently in the process of losing my home.
Amy Cornish

Wells did the same to me. I did everything they asked. 8 months later, I was denied. The last person I talked to said I was short because of the trial payment 1100.00 dollars. I went to the bank and gave them 1200.00. Then I got my statement and the money wasn't applied because it wasn't a full payment. They have been reporting me late every month. F up my credit. I sent them an additional They now say I need to make 2 more payments to be current. I have already given them 1300.00 extra and I was only short on the 3 month trial period by 1500.00. Now the fees start coming in. They have even come to my house and charged me for the visit to see if I abandoned the home. I have lived here 14 years. Don't know what to do next.