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Report: #718590

Complaint Review: Wells Fargo Modification "Loss Mitigation" - Internet

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  • Reported By: Christie Sylvester — Richland Washington United States of America
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  • Wells Fargo Modification "Loss Mitigation" Internet United States of America

Wells Fargo Modification "Loss Mitigation" Lies, Fraud, and took my money without apply to my mortgage Internet

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To whom it may concern,
Let me start out with November 2009 I went through a loan modification to remove my ex-husband name and lower my payment.  On February 2010 I got an approval letter stating I have been approved for the modification and to start making my payment of 996.00.  So February I made my payment On Time they cash it and from then on I have made the payment.  I signed all paperwork without my ex signing anything.  So with me getting approved and moving on from my divorce and my house approved in my name, I believe everything was good. In July 2010, my ex-husband called me and asked why his name was not off the loan and how I did a modification without his permission?  I said it is they removed your name in the process of doing the modification.  He said no and he was going to take me back to court.  I looked into it and noticed the house was still in his name! Let me remind you I have now just pay 7000.00 to 8000.00 in loan modification fee and everything else to have this all done for them to tell me I now have to pay 5000.00 to assume my loan to remove my ex-husband off the loan! So I asked for the paperwork because well I have to remove my ex-husband off my  home for my kid and me not to get kick out of my home,  I had been there for years with my kid. Guess what they denied and never called me. I contacted them and they said it was my credit because I didnt have a magical number of 620!  Some I found someone to co-sign with me on my house because that person had the magical number, well guess what they denied me again.  While I was on the phone with Emmie Morgan she told me I was late on my mortgage payment.  I told her no I have not been late in over a year! Feeling beat up with this entire ordeal, I found another thing. STREAMLINE loan through Wells Fargo! Yippee, NOT guess what when I did the Modification on my home THEY HELD ALL MY PAYMENT! So this whole time I thought I was making payments on time and AS I DID, no I guess my money was cashed but held in an account. This made it look like I didnt make my payments on time!  Not only has this effect my credit with refinancing or assuming my home, but I hold a clearance with and extensive background check! This appears I am not following court order with my divorce and all the night and days I have worried to keep my home! I know I have been paying on time for over a year now.  My credit shows I didnt make payments and Wells Fargo I bet tapped on late fee and everything else!  They cashed every one of my checks ON TIME but wouldnt correct my credit report nor their information so I can refinance!!  What happen to all the money they held and why didnt I get credit for making the payments they told me to do?  Now Friday April 8th, 2011 I talked with Mike Denslow, Wells Fargo Mortgage in Kennewick, he is the one that also informed me I was also late on my payment, but I thought they said Feb, Mar, and April but after talking to Mikes assistant it was April, May, and June! She told me there is a big hole in the system with modification, but you think someone can fix it no! I talked with the modification person on Friday she said yes you made it on time, but NO she cant change the information in the system to reflect the truth about my mortgage payment.  I talked with the 1-800 line and they told me I was a month ahead in April, but they are not sure how the modification deals with issues and posting of payment.  Monday April 11, 2010, I talked to Wells Fargo in Pasco Female Lady and now she found out I cant do a streamline because I am not FHA, dont think Mike Denslow would of figure that out.  Another week with false information, I have been lied to, money taken for me, Wells Fargo false reporting on my credit and unwilling to change their mistake, not making my ex-husband sign off on the house and put it in my name, not even making my ex-husband aware of the loan change, wrong information, and effecting my job statue with my clearance, mental and physical stress, and possibly losing my house that my kids and I reside in, and what more can they do to the small people that fund them!  Not only do I if they used my money but they are ruining my chance of keeping my home!  They have ruined my credit and no one knows how each department works over at Wells Fargo!  If you make a payment on time it should reflect it that is just right!  If it takes them months to fill all the paperwork out why does the consumer get penalized for that!
I am at my last straw with this, Can anyone help me! I have attorney, but no one wants to spend ten years to resolve this issue!

This report was posted on Ripoff Report on 04/16/2011 11:05 PM and is a permanent record located here: https://www.ripoffreport.com/reports/wells-fargo-modification-loss-mitigation/internet/wells-fargo-modification-loss-mitigation-lies-fraud-and-took-my-money-without-apply-t-718590. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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