I have monthly MI on my loan that I have requested to be dropped. MI can be dropped once the LTV is below 80%. I am a mortgage Loan Processor and I have seen this every day where lenders will drop MI once the LOan to Value is low enough. I have requested they remove this to save my family $55 a month. I owe $123, 000 and my home is worth $180, 000. Even the TAX VALUE on my home is $164, 000 and that rate puts the Loan to Value at 75%. They will not drop it. I even sent them the information directly from the FHA/HUD site that says MI can be dropped once the LTV is at 90% or lower. They will not drop it or even evaluate it by sending an appraiser to the home to verify the value.

That I've tried to get wells fargo not forclose on my home and they can't do anything to help me so they say.call me and i CAN TELL YOU MY STORY.1-520-223-3720

I had been a customer at Wells Fargo for over 15 years when I went through a nasty divorce. I noticed right away I was treated differently as my ex- got the business and all the money even though they had only dealt with me. In November of 2008 the bank misplaced my deposit of 10, 000.00 and even with a receipt in hand they would not credit my account. The bank manager asked me to leave the receipts with him while it was researched while over the next three months sending me home with a dept phone number and no money in hand.

While this was happening my credit card was overdrafting to the tune of 17000.00 and in late December of 05 I received another phone call stating I never made my payment. I had all my accounts on auto pay and had over 20000.00 in the bank.It was a Saturday when i got the call that i had not made my payment and after everything was said and done I found out i was overdrawn. The following Monday I spent 6 hours in branch, The teller took my money and then asked me for exactly the same amount for my checking. I questioned why I would pay both my credit card and checking account and so we began out inquiry. I found out i had overdrafted my credit card over 17k and no one had told me. They rewarded me once again by recharging my credit card which overdrafted again and charged off my account. was pissed.

I went to another san ramon branch and begin trying to straighted out this mess. I could not and it continued to snow ball into my business accounts. Even though i took everything off auto pay the bank helped themselves to another payment and overdrew my business account. They then closed those accounts and turned me into telecheck even though they were the ones who over drew me. The bank president has been working with me on this mess since Dec and it is still not resolved.

Last week the same overdrafted credit card was turned over to there recovery dept which in turn is now suing me.They informed me there was no fraud because the overdraft came from my checking account even though I have a fraud claim filed.

Bottom line in 2 months i went from having a credit score of 800 to 580 and the refuse to correct there mistake.

On July 27, 2009 my husband and I deposited $3300(all $100 bills...stupid I know!) into a Wells Fargo ATM machine. On August 8, 2009 I notice when I checked my balance online that my deposit had been adjusted it and the deposit only reflected $300. I discovered this on my own and Wells Fargo never once notified me! When I filed my claim the representative that I spoke with said that it was odd that there was anything written down to explain why the deposit was adjusted. And when I finally went down to the branch where I had made the deposit they told me that two people initialed that there was only $300 in mydeposit. Today I contacted the claims department and found out my claim was denied because I had never made such a large cash deposit!!! This is a crime and I will do everything in my powerto receive the money back.

I am writing to get the story out regarding the systematic predatory practices of Wells Fargo Home Mortgage. My story has been confirmed by others like me, as I am finding on the internet.

I live in a single family home in Oceanside that I have owned since 2002. The end of last year, I had financial difficulty and started falling behind in my payments. This is when the economy took a serious downturn. I had a home loan that had some back property taxes being put into my monthly payment. This made my payment close to the maximum I could afford.

At that point I called Wells Fargo to see about a modification of my loan. I provided all my monthly information including all expenses and incomes and was told that I qualified for a modification and was quoted a new monthly payment that was within my budget. This modification did not include any reduction in principle, it was just a new 30 year loan with my back taxes rolled into the loan.

That is when my hell started. Since that point in October, I have been in a constant back and forth, bait and switch situation. There are many details that I have, including all the dates that I called (Ive called over 100 times), but I will just provide a summary here. From the beginning days, I was told NOT to make a payment as this would stop the modification process. As time when on, I even tried to send in payments and they were returned to me. I was at one point in their modification process, then removed from the process for not having all the documents. Then I started the process all over again, only to wait and wait and wait. Each time I call, I get different information, and I have never been allowed to talk to the actual agent assigned to my case. Now, I can't make any payments and my home is set to be sold in about 2 weeks. I have always been able to make a payment almost equal to my full payment, but now I owe over $24K, not to mention all the fees that have been added to my account by the foreclosure company.

Yesterday I received a letter on my door that my home will be sold on June 11, 2009 unless I come up with the $24K+ plus that has accumulated. I called Wells Fargo today was told that they may not come up with a response back to me until the day of the sale. Obviously, that would not give me time to pay to keep my house from being sold from under my feet and have me and my family thrown out.

I have lost sleep and am suffering from the stress of this situation on a daily basis. No one at Wells Fargo will tell me what is going on, no matter how many people I go to. I can only assume by the way I was brought into this process and then kept in the process with no other options, that Wells Fargo has put into practice an illegal practice of dealing with customers in this fashion.

I desperately need help and I think the media has an obligation to report this.. Wells Fargo led me down this path by telling me not to pay, and now I am possibly going to lose my home, and I have no way to get them to work with me. Where is the responsibility on Wells Fargo after receiving $25B in bailout tax dollars??