I applied for a home loan modification March, 2009. A million phone calls, faxes, documents and still don't have results.
I am a single mother with 2 children in school and my income went down drastically. There is no way that Wells Fargo want's to help anybody. Every time I call they give me the run around, they are such lairs and crooks.

I can see that I am not the only one, and that is very sad. Wells Fargo doesn't care to help anybody.

On 3/22/10 our payment was due for our truck through Wells. On 3/29 we traded it. Wells Fargo will not stop calling us because they haven't gotten the payment from Honda yet. I could understand their calls if it was 30 days late, but it's not. I will pay it before it goes 30 days late. Everytime they call we tell them the situation and everytime they say they have no record of the truck being traded. Here is a breakdown of all of their calls the my caller ID still has logged.
4/5/2010 - 8:28a - 10:52a
4/6/2010 - 8:28a - 9:45a - 10:58a - 12:29p - 6:30p
4/8/2010(EASTER) - 8:18a - 11:25a - 12:19p - 4:27p - 7:34p
4/9/2010 - 8:22a - 9:45a - 10:58a - 12:29p - 6:30p
4/10/2010 - 8:37a - 10"37a - 12:49p (and the day isn't over yet)
I filed a complaint with the FTC. This is ridiculous. I'll NEVER do business with Wells Fargo again.

Date Phone Time Who
Mid February, 2010 Mid Afternoon Ron (Mortgage)


I entered local branch in Truckee CA. Asked to make sure our information was correct because we were going to sell our car and wanted to make sure the title would be sent to the correct address. Was directed to Ron, a mortgage banker, to check it out. Address was not correct on a few accounts. Ron had us go online in the branch and change the address to xxxx, Truckee, CA 96160. They were set to a previous physical address at xxxx xxxxx, Truckee, CA 96161. He said we were all set and all info would now be sent to our PO box.


Date Phone Time Who
February 25th, 2010 4:30pm PT Local Branch Teller

Sold the car to the new buyer. We went into the local Truckee Branch together, and at the teller window, he handed me $7200 and I deposited it into our Complete Advantage Account to pay of our auto loan on the 2004 Subaru Impreza Outback Sport. We asked the teller how long it would be until I would have the title. The teller told us we would have the title in 10 business days, but to call 1-800-869-3557 to make sure that was correct.


Date Phone Time Who
February 25th, 2010 1-800-869-3557 4:34pm PT Wells Fargo Customer Service Rep

I asked the rep how long it would take for me to receive the auto title for the Subaru. Was informed that it would be 10 business days.


Date Phone Time Who
March 11th, 2010 1-800-869-3557 2:36pm PT Wells Fargo Customer Service Rep

Talked to the rep to check on the status of our title, we had not received it yet. The rep said the payoff of the auto loan posted on March 2nd, 2010, so that the 10 business day wait started then. We would receive the title on March 16th. I asked the rep to varify where the title was being sent. I was told it was being sent to XXXX, Truckee, CA 96160


Date Phone Time Who
March 19th, 2010 1-800-869-3557 4:43pm PT Wells Fargo Customer Service Rep,
4:50pm PT Customer Service Manager
4:52pm PT
4:58pm PT

Called to check status of title, as we had not received it yet. Was dropped 3 times from the call being transferred to the auto loan dept. Spoke with a customer service rep to inquire about the title. Was told we should have received it, it was mailed, and he didn't have any other answers. I asked to speak with his manager. Upon speaking to the manager, he said the title had been sent. I asked where it was sent to. He said XXXX XXXX, Truckee, CA 96161. I told him that was an old address and that we had updated our profile so that this would not happen. As he checked our accounts, he also said our Line Of Credit Statements had been going to the XXXX address for over a year and had all been returned undeliverable. He made the address change. He said he would have the title resent, and guaranteed that it would be in my hand by March 26th. I was given a reference number for the conversation of: XXXXX


Date Phone Time Who
March 25th, 2010 1-505-858-4248 3:40pm Arlene XXXX, Wells Fargo Loan Dept, Albequrque

I received a call from Arlene XXXX in the Wells Fargo Loan Dept in Albequrque, NM. She stated that the title was an "electronic title", and was being sent through the DMV. She said Wells Fargo was done with it's obligation to the account. I told Arlene that I had heard different stories from different Wells Fargo Reps saying different things. I told her that one rep told me the paper title had already been sent to the wrong address. Arlene said that I had not spoken to any customer service rep since 2009 because there were no notes on my account. She then put me on a conference call with the DMV. The DMV agent said they had gotten the lien release from Wells Fargo, and sent the title to the Northwoods address. I told Arlene that it was the wrong address, that we had already had the correct address changed before we sold the car, and then again after (see March 19th, 2010). She said we should try to intercept the mail at the Northwoods address. I told her that there is no mail receptacle there, and that it shouldn't be up to me to fix this. She said our only other option was to fill out a DMV form "REG 227", stating that Wells Fargo lost the title, and we needed a duplicate. When I asked how long that process would take, she said 2-3 months. I told her the new owner of the car is waiting for the title, and that was unacceptable. I told her that if he wrecks the car, it is still in my name and I am responsible. I then asked Arlene what would happen with the title that was sent to the Northwoods address. She said it would be sent back to Wells Fargo. I asked her how long that would take, she said she isn't the US Postal Service and she didn't know. I became frustrated and said, "do you possibly think it would take less than 2-3 months?" She said she could not speak to that. She said if I wanted her to send the REG 227 form, that all I needed to do was present it to the buyer with a bill of sale, and he would take it in to the DMV and they would process the new title in his name. I told her I needed to speak with the local branch office and my wife before I made a decision.


Date Phone Time Who
March 25th, 2010 Truckee Wells Fargo Branch Visit 4pm PT Tyler XXXX, Wells Fargo Personal Banker

I went into the local branch office after speaking to Arlene, and was directed to Tyler XXXX. I presented the whole situation to him. He told me that Ron, the Mortgage Rep who changed our mailing address in February, didn't really work at that branch and that he could only change it on the local system and that it wouldn't have changed on the Loan Department system. He also said even if he had, it would take up to 90 days for the system to make the changes. As for the title, he made a call to one of his "sources" to see what they knew about it. Tyler said his "source" said that the records showed that it was a paper title mailed to our XXXX PO Box. His advice was to wait until Tuesday, March 30th to see if it arrived in our PO Box. I was emotionally upset.


Date Phone Time Who
March 26th, 2010 1-505-858-4248 Arlene XXXX, Wells Fargo Loan Dept, Albequrque

I called Arlene and asked her to send the REG 227 form to me. She said she would overnight it, but it probably wouldn't arrive until Monday. She gave me a UPS tracking number of XXXX. We received the REG 227 form on Monday, March 29th at 7pm.


Date Phone Time Who
April 1st, 2010 Truckee Wells Fargo Branch Visit 9am PT Bank Teller

I went in to the local branch office this morning to ask a question about the REG 227 form. Arlene had said that all I needed to do was give the form to the car buyer, and he would take it in. But I noticed that the form was marked for a duplicate title, and not a transfer of title with duplicate title. Page one had the lien release information filled out by Wells Fargo. Section 4 calls for the registered owners (me) to release ownership. Page 2 is where the new buyer would fill in his information. I asked if anyone could help explain this to me, but no one in the office could. The teller tried calling her help line, but they told her to speak to a different department. When she called that department, they told her to speak to the help line. The teller called over another banker, and filled her in. The banker got on the phone to try to figure it out, while I got on the phone with Arlene. Arlene said she filled the form out correctly, and that a duplicate title would be sent to me if I turned the form into the DMV, and it would take about 30 days. When I told her about what she had said with the seller taking the form into the DMV, and the title being sent directly to him, she said that Wells Fargo doesn't do that on these forms. When I hung up with Arlene, the local branch banker said that if I go in with the buyer to the DMV, that they can process it there and release my liability in the vehicle and send the new title directly to him. Unfortunately, the buyer lives in another city, and the DMV is closed today for Cesar Chavez day.


Date Phone Time Who
April 2nd, 2010 DMV, Grass Valley, CA 11am-3pm DMV Teller

I met with the car buyer in Grass Valley, CA to go in to the DMV office. When I explained to the DMV clerk what had transpired, he was puzzled why Wells Fargo had released the car into my name. He also explained that the form that Arlene had given me was in fact filled out incorrectly. He filled out a new form as a transfer of title with duplicate title. After over one month and 9 different conversations with Wells Fargo employees, the car is officially transferred out of my responsibility and into the buyer’s with the help of the DMV, no help from Wells Fargo.

Wells Fargo and other lending companies are denying HAMP loan modifications from one end of the country to the other in violation of TARP. Go to [url=http://www.freddiemac.com]Freddie Mac Home[/url] and [url]www.fanniemae.com[/url] and see if either lender owns your mortgage. If they do, then you can file a complaint against Wells Fargo with the company that owns your mortgage online. Wells Fargo has signed an agreement as a recipient of TARP money to provide customers wtih HAMP modifications. However, Wells Fargo is doing everything possible to avoid providing customers with HAMP modifications. Instead they are foreclosing on properties after customers have asked for HAMP modifications, denying qualified applicants modifications without explaining why or without providing an appeal process for the adverse decision. They are scheduling sales of properties after receiving qualified applications for HAMP modifications.

The best protection if Wells Fargo is proceeding with foreclosure despite repeated applications for a loan modification is bankruptcy court before the sale of the property is complete. You can also file a complaint with your state attorney general office for fraud and abuse against Wells Fargo. In addition you can file a complaint with the Office of the Special Inspector General for TARP at [url=http://www.sigtarp.gov/contact_hotline_ok.shtml]U.S. Office of the SIGTARP : Contact Us : SIGTARP Hotline[/url] You can also file a complaint with the Federal Trade Commission at [url=http://www.ftc.gov]Federal Trade Commission[/url] You might be really interested in reading the following legal memo about Wells Fargo from a MN case at tp://www.hppinc.org/_uls/resources/HAMP_PI_Memo.pdf

Do what you can to protect your home and your property rights from Wells Fargo - they are a predator - preying on their own customers and refusing to comply with federal law regarding mortgage modifications. It's my own personal experience Wells Fargo would rather foreclose and sell your property than grant a HAMP modification or any type of loan modification for that matter. Bankruptcy court is the only protection you have against Wells Fargo to protect your property if the company has filed foreclosure against your home. Wells Fargo is very adveserial regarding home modifications and will do just about anything to avoid granting a mortgage modification including violate your civil rights, your right to an appeal and right to due process. They have no intention of following federal law related to TARP and AMP. You cannot trust what you are told by Wells Fargo employees when you have applied for a mortgage modification and can expect to be denied several times without reason and to be forced to reapply - all the time while the clock is ticking against you in foreclosure. If the company repeatedly denies your application and makes you reapply, then they are buying time for themselves so that they can sell your property rather than give you a mortgage modification. Do not expect to be approved for a mortgage modification request with Wells Fargo before your house is scheduled to be sold at sheriff's auction. Do not expect Wells Fargo to help you save your home.

I have been trying to get Wells Fargo to correct my loan modification papers for three months. I have sent countless emails to a John Stump. I did receive a response from Thomas Linderman who was unable to answer my questions. I am still receiving calls from the Wells Fargo Loss Mitigation department requesting that I send in the signed paperwork to finalize my loan modification. When the representative calls and I answer the call, they advise that they are on an automatic dialer and they can't see who they are calling or what is going on with the account until they are connected to the customer. This is ridiculous. I have repeatedly advised that the principal balance is wrong and broken it down in the simplest mathematical form and still I am getting no where. But in the meantime I am making monthly modified payments and my mortgage is being reported to the credit bureau as delinquent. This is a nightmare, had I known that this is the way Wells Fargo handles loan modifications I would have tried to refiance with another bank. WHAT A HORRIBLE EXPERIENCE!