While I was on line today trying to locate a lawyer who could help me and my husband clear up what Wells Fargo has screwed up since 5/01 regarding our mortgage whom they bought from GE Capital in Jan. 01 making sure that my life would never be the same again, I found this web site with people who have had the same problems with this Institution, after reading the reports I didn't feel so alone. I know that telling my nightmare to others will not make it go away but to know that there is someone who will take the time to listen gives me new hope and some comfort.
We bought our home in 1992 at that time our mortgage co. Was GE Capital, in Dec. 1999 I was notified that our loan had been bought by Wells Fargo Mortg. Effective 1/01/01. I was alittle worried because we were still under a bankruptcy (chapter 13) that was filed in 98 and due to be discharged in and I didn't want things to get messed up since we were so close to the end and had alot of money paid into the courts plus I had heard stories about Wells Fargo and they were not good, but I figured if something happened under my circumstances I have every piece of evidence dating back to 1/01/98 showing all the bills I pay each month along with bank statements showing posted dates and mail dates for each item. With this in mind I figured we were covered. I received my first statement from Wells Fargo in Jan. For 2/01 payment from that month thru 4/01 everything went like clock work, then when I received my statement in 5/01 for 6/01 payment it was showing us 4 months behind (understand I was still under a bankruptcy therefor to miss or be late would cause a dismissal due to default and I would lose everything including all monies paid to the trustee 4 yrs of payments (alot of money). I was completely confussed but only a little irate at that time since I had everything to show that I had never failed to pay my mortgage I just figured a new company, computer glitch, all I had to do was call and they either they would find the error or I would fax the info and they would fix this error. Since it was an error caused by them not me. It took us two and a half weeks to finally talk to a person, since our messages were not being returned when we spoke to the voice mails. When we informed the service rep of our situation and what it could cause if it wasn't corrected we were told that it would take 2 weeks for them to find out were the problem generated from since they had to send my request to their research dept. Who by the way has no phone numbers for customers to contact directly, therefor we were told that we needed to call back in two weeks and this matter should be resolved. Me and my husband started calling the day Winston asked us to call. Again same problem only transfers from voice mail to voice mail no return calls from them in the mean time Julys' and Augusts' payment had been paid but as of 8/13/01 Augusts' payment hadn't posted knowing that late charges apply on 8/15 and my payment was sent out 1st week in Aug. I became very concerned so I had my husband take half a day off work since eastern time was 3 hrs ahead of us so we only had the mornings and he stayed on the phone for 2 1/2 hrs until he finally talked to someone low and behold if it wasn't Winston who was supposed to have called us back over a month prior letting us know that the problem was corrected. He swore that he never received any messages from us (what ever) so we let him know about the new problem, where is our 8/01 payment why hasn't it posted he informed us that their calif. Office was merging with their Iowa office and things were very unorganized at the moment but he was sure that the payment was their and just hadn't been processed yet, explaining the late charge policy to him I wanted this taken care of now not two days later now, he told us that he would try and track it down and for us to call back at 3:00 his time, we did and we were told that the payment had been lost so he did a payment over the phone at no charge from them and told me to stop payment on the check which I did but it wasn't free. So after he got that taken care of he informed us that he didn't have the information at his desk regarding our earlier problem and that he would get it from research dept in the morning and call us back. We never got a returned call from him who is Lisa Fletchers' (manager) secretary. We finally reached another assistant manager at the end of sept. Sheila Sellers, she seemed like she was trying to help us out finally we had someone who worked she located the our file and after reviewing it informed us that we were two months ahead that it must of been computer error during the move. I asked her to please send this verification to me in writing on her letter head she did. Four days prior to me receiving her letter I received a shocking package from Tiffany and Bosco (Wells Fargos'Phoenix Lawyers) it was a motion filed by Wells Fargo to lift the stay of my bankruptcy so that they could start forclosure proceedings asap I lost it. After speaking with my lawyers I wrote a Letter stating all phone calls made to them dates and people who we spoke with attatched I had all cancelled checks, bankstatements highlighting payments posted, letter from Sheila verifing of our current status then I faxed all of this to Wells Fargo, their lawyers, my lawyers and to the bankruptcy trustee on the very same day not even two hrs after my letter was faxed their lawyers filed a motion to withdraw the prior motion this was done on 10/18/01. We are now in 10/02 almost two years since this incompetent Institution took over my mortgage and I am still living in the hell that they have created for us. All they did was change their paper work from 4 months to one month and that amount has changed with the decrease in my new mortgage payments it went from 799 last year to 785 in march to 760 current which really gets me going since when do people change the amount of a debt once owed makes no sense. So for 24 months this company has taken all extra monies paid toward principal and has put it toward late charges which should not be there and if that isn't screwing me enough they have informed the credit agencies each month of my delinquent payment therefor we were unable to finance a vehicle we so desparately needed since ours was totalled 10/01 this has also prevented us from any equity loans for remodeling the places in and around our home that needs to be done they have totally screwed my life up my marriage has barely survived due to the stress and the money that I spent for the things they caused me could have been used to fight them in court.
So if anyone starts or would like to start a class action lawsuit please let me know I have to fight them anyway hopefully I can find a lawyer who is willing to fight a corp.
Thanks for listening
Melinda
mesa, Arizona
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