Wells Fargo Home Mortgage Co. Mortgage Modification Scam Minneapolis, Minnesota

I became disabled and totally unable to work which cut my income to exactly 50% of what I was making when I financed the house.  I have been working with Wells Fargo Home Mortgage Co. trying to save my home for nearly two (2) years  now. First it was through the HAMP government program (which after about a year they decided I did not qualify for), and then through the Mortgage Modification Program.  It's all a scam!

I was advised the mortgage modification would be free (see below), and  that an appraiser would be sent out (never happened).  They advised me there were several ways the loan could be modified i.e. reducing the interest rate, or extend the loan  to lower the payments, etc. I was required to continue making the same payments throughout this period and every month I was required to provide proof of income, a financial worksheet, and a letter of hardship. In order to be able to make the original payments I had to stop taking at least half of my medications, not go to the doctor when needed, and borrow money from family & friends, etc.

I got the modification papers in the mail yesterday.  They want me to sign, and have notarized, the paperwork by return overnight mail. In addition they are requiring a payment from me in the amount of $1,175.12, and they are also requiring (by phone) a "contribution" payment of $553.87 (I wonder where that goes?). The only change in the mortgage is an additional $7,401 added to the unpaid principal on the note, and the maturity date has been extended 10 years. The monthly payment is unchanged.

This is a scam in the most extreme form! For months I have made these payments which has gone directly into their pockets. I want to know of any Class Action Law Suits against Wells Fargo in the state of Texas, as well as who the overseeing agency is, and who to contact to file a formal complaint.