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Wells Fargo Home Mortgage took over my loan a while back. As everything else in life all things are fine until you have a problem and that when you realized the people that are handling your money or your lively hood is full of TRASH!!!
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I called Wells Fargo Home Mortgage back in March 2009 to let them know I was going to be late on my payment. Which I did pay the payment late with the late fee, They didn’t offer to waive the late fee or anything seeing I had not been late on my loan in the 4 years of living in my home.
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I have lost 2 jobs since I first bought my home back in 2005. And in the 4th year I call and say that I am having problems and here is the run around I have been getting. I called in April 2009 to let them know I would be unable to pay. May comes around I called and ask if they had anything they can do for someone that is struggling to make payments. They told me I am not behind enough for them to assist me. First they went through my expense and bills over the phone and wanting to know what I paid. Even wanted to know my grocery amount, if I buy cat food and personal items. I had to fax all that stuff and then I get letter saying that I was denied because my expenses are more then what I bring home. Well I told them that over the phone. You denied me for that. Your job is to help. I am aware of the expense problem. I HATE WELLS FARGO!!!!
By the time they looked at my paperwork I was two-payments behind by then.
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Now, I am still 2 payments behind so I make one-payment so it wouldn’t look like there is 3 payments behind. They don’t just move payments to the end they would have to do a loan modification. So I refax my stuff again after I was denied. I call a week later they didn’t get. I fax it again they didn’t get it. I fax again they didn’t get it. So I fill out the form online for the loan modification fax my stuff again. They send a letter saying I’m denied because of my expense being more then what I bring home.
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Every month the same thing. I get a loan modification company to call on my behalf and I fill out authorization forms. We fax that over back in May. He spoke with the department that handles modification. But when I called to check on my account they claim they didn’t receive anything.
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Every month the same thing. Fax nothing or Fax and decline expenses are to much to keep the house. The sad part is I been paying Wells Fargo Home Mortgage all this time with the same expense problem. But now I’m two payments behind that your answer for everything.
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I have gone to another company that handle loan modifications we sent this information back in Aug. I been getting letters saying it takes 45-60 days for an update. Please be patience but keep making payments. It is now November 2, 2009; I call to find out why I haven’t they completed this modification and what is taking so long. They told me that I was denied back in September but no letter was sent to me. They also told me that I have to submit my paperwork every 30 days they can’t go off old information. WHEN WERE THEY GOING TO TELL THE CUSTOMER THIS MESS!!!!! I’M SO PISSED OFF.
I been dealing with this mess since April it has been 8 months. All they have been doing is bring down my credit so I can’t get a home anywhere else. They don’t care if I stay in that house or not. Wells Fargo wants me to loose my home. They want my credit to be bad. Each month those two payments are behind I get more and more late fees. I really don’t know what else to do I guess I have to start the cycle again or just give up. My credit card companies have been more then welling to work with me then anything. But the place where I lay my head can care less if I have home to lay my head at. It should not take that long to do a modification. I talked with a Realtor. I bought my home for $98,000. I owe $93,000 and those homes are for sale now only $22,000
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Wells Fargo Home Mortgage doesn’t want to take that lost but they would rather my credit be mess up why they are sitting on their hands doing nothing about my house payments. It needs to be something we can do about this company Wells Fargo Home Mortgage has taken advantage of many many people it has to be above them you can go to get help on your account. With all this said I still don’t have it done
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From an upset and anger Fed-up Customer