• Report: #635994

Complaint Review: Wells Fargo Mortgage

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  • Submitted: Tue, August 31, 2010
  • Updated: Fri, September 10, 2010

  • Reported By: Peter — Rice Virginia United States of America
Wells Fargo Mortgage
Des Moines, IA Des Moines, Iowa United States of America

Wells Fargo Mortgage Mortgage Modification Des Moines, Iowa

*REBUTTAL Individual responds: Help is on the way

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I started a loan modification withs Wells Fargo in Oct 2009.  I was current on my loan at that time but told they  were helping those that were behind first, so I let my loan go past due.  I filled out the complete package and returned it to them.  Them once a week I would talk to a rerpresentative about the status and refax the documents over and over again.  I was told no late charges would be applied to account while in this programa and not worry about making payments on time.  This seemed really strange.  In March 2010 I got a really nasty collection letter from Wells so I called and made all past due payments but no late fees or other  charges from Wells as directed.  But when they applied the payment they paid all late fees, BPO fees and other junk fees before any went to mortgage.  I was told by rep in modification dept this would be corrected.  I continued to sent in updated docs each week as requested.  On August 10, 2010 I sent in more docs as requested.  On August 26, 2010 I got a letter saying my loan mod was denied for not sending in docs.  I called and asked what docs were missing and told they needed a 4506T for 2009.  I had sent a 4506T for 2007 & 2008 and 2009 Tax returns.  The rep said they had to have this and I was out of program and cound start again.  But then she told me I had been sent to foreclosure since I was turned down.  I asked the rep what do I need to do to stop foreclosure-she said call attorney for reinstatement amount.  She could not give it to me or take any money from me.  I called attorney office and was told via voice mail it would take 3-5 business days to get figure which would include attorney fees.  Turned down for modification and straight to foreclosure the same day.  Don't believe anything the reps there tell you.  I am still working to resolve this.

 


This report was posted on Ripoff Report on 08/31/2010 09:52 AM and is a permanent record located here: http://www.ripoffreport.com/r/Wells-Fargo-Mortgage/Des-Moines-Iowa-/Wells-Fargo-Mortgage-Mortgage-Modification-Des-Moines-Iowa-635994. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 0Consumer 1Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Individual responds

Help is on the way

AUTHOR: Help is on the way - (United States of America)

 

 

God said his people fail for lack of Knowledge-  If you start out by doubting then you should not pray and worry.. First thing you need to do. (forgive those people who is applying payments to your loan)    Know this is a challenge- the more you're upset the worse it seems..  (seems).  It's will cost most consumer less than  $150.00 to take Wells Fargo to court.   It will Cost Wells Fargo $3000.00 to go to court, lawsuit filed by the consumer. Wells Fargo records all their phone conversations.  You will file an appeal or lawsuit based on false proof of claim.. (perjury) everything Wells Fargo Submit to the courts must be the truth. Go online finds some other consumer complaints. 

http://blog.wellsfargo.com/wachovia/2009/04/explaining_the_making_home_aff.html

 

1. Wells Fargo (phone number) 612-312-8550- Fax 8662781179.

(Wells Fargo) Internal Number 800-377-1112 (no one should have this number unless you work for  WF

2. ASC direct phone number (877-222-7875) option 3 and option 3

3. If Wells Fargo comes on the line, ask to be connected to ASC customer service, be sure Wells Fargo stay on the line until you are connected with the rep from ASC.

Get the file number, You must find out who does Wells Fargo use to be served their court papers in the state you live in, you can get this either from the Secretary of state. 

Send everything federal/usps express with delivery confirmation and signature.

Have all your document ready to place with the lawsuitonline

www.wellsfargo.com/taxes  for all your statements, phone records-example cell phone records.

Remember your Principal and interest must add up to the payment schedule. 

1 Example: If you pay your mortgage, but you are running behind or your escrow is short, Wells Fargo, ASC cannot stop paying your principal and interest to pay for the fees and escrow.. Principal and Interest is always paid first, even if youre behind. Say you paid 12 payments in 2008, and your principal and interest should be $ 8634.88, but Wells Fargo on credited you on  $6213.90   on your end of the year 1098.  (this they cannot do)

This is a known practice with some mortgage companies, I know with Wells Fargo. 

Bryan Glidden

1500 Surveyor Blvd Suite (1750)

Addison Texas 75001

Wells Fargos collection/foreclosure Attorney

(Amy) 972-341-0613



 

 

Dear Honorable Judge:

 

Your file Number & Court document lawsuit number

 

 Suing Wells Fargo for Filing a False Proof of Claim

 

 

Wells Fargo- ASC have continue to misapplied my payments, failed to record the correct information ASCs Wells Fargo  agents, failed to follow customer written instructions, failed to communicate with the My name is , sent mortgage statements that were incomprehensible and frightening, began collection and foreclosure letters calls, and engaged in a litany of mismanagement of the My name is  loan ."

Wells Fargo place/forced My name is to be on a special forbearance plan without proper documentation , My name is while My name is asked for a loan modification, Wells Fargo/ASC had started foreclosure procedures  collecting undisclosed fees, without My name is knowledge. Each time My name is would call Wells Fargo-she would receive a different answer.

Wells  Fargo filing false proof of claims with inaccurate and excusive and unauthorized charges and fees and misapplication of payment, payment reduction and escrow shortage which will are filing false proof of claims with inaccurate and excusive and unauthorized charges and fees and misapplication of payment, payment reduction and escrow shortage which will result in post foreclosure following my successful cure of debtor obligation in my plan.

 

On ________________ I  contacted Wells Fargo concerning a payment Which had not post to My name is, Wells Fargo took the payment over the phone, the rep for Wells Fargo states the check were returned, at that time My name is ask for the check to be redeposit, Wells Fargo told My name is check are only deposit once.  Wells Fargo had sent automated phone message stating I missed a payment-so when My name is would send in another check Wells Fargo would redeposit the additional check, which would result in mores fees from My name is payment.

Im requesting the letter be placed in the court file of my property.  While Im waiting on my appeal.

 

 

 

 

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