WELL FARGO HOME MORTGAGE Well's Fargo Bank Home Modification scam Des Moines, Indiana

In May 2009 I lost my job. I called Wells Fargo to let them know that I had lost my job and was waiting for my unemployment to start.  Unemployment took about 2 months to start.  I was now behind 3 months with my house payment.  I than went to Gulf Coast Community Services for help with my mortgage.  

Gulf Coast Community Services assist me with 2 mortgage payments. Wells Fargo accepted them.  

I called Wells Fargo after I got home and spoke to there customer service about the payment and than was told I qualified for a modification and I did not need the assistance from GCCS. I than was  set up with three payments beginning the 23^rd  of October 2009.   I ask Wells Fargo where will the money from GCCS be applied.  I was told at the end of the mortgage once the modification is approved.

On 9/29/09 I spoke to Wells Fargo and was told to make my first payment on Oct 23, 2009. 

On 10/23/09 I spoke to Wells Fargo who told me to make a payment of 41.00 because a partial payment was just hanging out there and this will make the payment for November since the payment from GCCS will be applied to the end of the mortgage and they had not received the check yet.  Before the payment I made in October, I should now been only 1 month behind on my payments

On Oct 23 I became full time employed.

On 11/14/09 I called Wells Fargo in Minnesota center and ask had the check came and how was it applied? I was told, it is being applied to the other two payments and I do not have to make a payment until January 2010.  I than ask where would the remainder of the amount go after the two payments and than I was told at the end of the mortgage.

On 12/29/09 I Spoke to Well's Fargo agan and ask ? What Amount do I pay in January on my mortgage? Do I pay the the modification amount or the reg payment?  I never got an answer. But kept saying it is not required to make a payment while in mitigation and it is now in review and it take 30-45 days and was file on December 8^th.  If I wasnt supposed to make a payment until January and it is now the 1^st part of February how is my house in foreclosure.   Wells Fargo accepted the house payments in one way and when the modification fell through they change it so now my house is in or going to foreclosure.

I never received a denial letter from the mitigation department.  I went to the wellsfargo.com/assist after speaking to some one who called me from the mitigation department and told me to go to this website.

I have received letters from Wells Fargo stating my house is about to go into foreclosure.  I called Wells Fargo and was told to disregard the letters it is in mediation and I will get them.   I call when I received collection phone calls and was told that they was automated calls it is still in mediation and will get those calls until it is finish. I trusted Wells Fargo and their input.

I stayed on top of things.  I would have never let my house get 6 months behind with out making some sort of communication.  I would have call Wells Fargo and work something out before it got this bad.  It seems to me that all of this was done intentionally.

On 2/8/2010 I was told by collections supervisor who told me I owe 6 months behind and nothing can be done but pay.  I was denied the modification because I could not afford the house. She would not supply me with any additional phone numbers.  Every time I ask for a number she state they can not help me. I hung up call back and spoke to another collections person and was told to call customer service to get a breakdown of payments.  I had the payments in front of me.  I need to know how was they applied.

On 2/8/2010 I spoke to collections about the money being switch around and me not knowing anything about it.  She than went through her system and another modification process was started.  I ask her, what good will it do if it has been denied?

We sat up 3 more payment arrangements which will automatic be withdrawn from my checking account.  Once the first payment is received than it will suspend the foreclosure.  I was not satisfied with that because it should not have been in foreclosure from the beginning.

On 2/9/2010 I still was not satisfied with the outcome of this.  I called Wells Fargo at and spoke to the customer service and went through my same story.  I was supposed to be transferred to Loss Mitigation but it was Collections agan and spoke to another person.  She stated I needed to speak to some one in Mitigation and I was transferred there. I went through the whole story agan.  I wanted for someone to here me out!  This is a mistake on Wells Fargo not me.

After Los Mitigation listen to my story, he told me to give him a little time to look at what went on with my account and monies.  He told me what happened and apologized on behalf of Wells Fargo. He stated that the GCCS money was applied to May 2009 payment.  So when I made my first payment of the modificatioon Oct 20^th 2009, and when no other payment received for Nov and Dec it through me out of the Modification program.  He apologized that I was not informed.   He found no indication of a letter sent out to me stating I was no longer in the program and what happened.  I still was calling Wells Fargo and no one told me I was not in the program but I was told it is still in review.  So it is documented that the other 2 payments for the modification was not received. 

Make sure when ever you speak to someone take notes: get names and their titles, phone numbers and last initial of their name, and thier ID # cover your on A........................