Wells Fargo Bank, NA-Wells Fargo Home Mortgage loan modification RIPOFF des moines, Iowa

I got involved becuase wells missed 3000.00 in escrow payments and blamed it on my taxes going up. They did not, but anyway i had to pay so i applied at there suggestion for a loan mod.also my current int. is over 6%, So the process takes over 9 months all the while theyre telling me not to pay monthly note while in program??? the temp. pymnts are 600.00 less a month than my reg. mortg. nice right, but at the end of process i receive a call from the loss mitigation dept. informing me idonot show enough income to be considered, 9 months later??. So being hourly paid i received o.t. 8 hrs. in 2 wks. sent the paystub in and 3 days later received my denial letter based in my new income... So while in the program i was paying only mod. pymnts. which added up to now being delin quent 6500.00 dollars, which of course they now want there money immediately,meanwhile they report you to credit beureus ruining me so i cant refi. somewhere else. they did offer me an inhouse mod. for 175.00 less a month than current pymnt. but add 15 yrs. to mortg. [ i said NO] the worst part here is ive been to pa. atty. general, treasury, my congressman, senator the o.c.c., h.u.d, and have had the same response. They do not have the authority to act against this co. i have to hire an atty.????? the atty. general needs multiple complaints before acting.They all tell you they only write policy they donot enforce them..  so i encourage everyone reading this to refi. A.S.A.P with someone else. not wachovia because wellsfargo bought them with gov`t bailout money...