I am entering my 5th month in a fixed modification loan with ASC thru Wells Fargo. I have made my first three payments on time and to this day, they still have not applied my payments correctly. They are deducting late charges from my reversed payment sitting in their suspense account, reducing my cash on account which leads them to argue with me that I do not have a full payment that can be applied to the past due payment. They are reporting me LATE when I have been busting my A$, cutting expenses EVERYWHERE possible to improve my credit after their pathetic excuse for falling one month behind pay back in six months option which digs you into a deep grave each month... Every time I call, I go from Customer Service to Loss Mitigation and then back and forth. No body sees what the other sees, and no body knows where my money is, why it was reversed and how to get it applied properly. Not only do I have a life and have been hit by this slumping economy with RISING COSTS, I sure don't have hours to waste daily to avoid loosing my home and having my children and I without the home we have called together for 9 years... This was a loan sold to ASC and it scares me that more and more people are going through the same thing I am... I have to search tonight to see if there is a class action law suit. Also, I contacted HOPE and they actually called ASC with me on the phone. I finally spoke with a supervisor who said he didn't get my two messages in the past week and then sent me to their retention dept/review dept and a woman’s name that is out of the office and two other people to contact... I have left the 800#, area code 515 and I am back at the "tag your it" game. I've documented every date, every name, what they said, every number, every message and I am ready to send a certified letter to the president/ceo/cfo/cfoo, who ever and document what has occurred. Enough is enough. I’m paying now that I have a fixed amount and had a month or two to catch up after the holidays, so why all this extra drama...
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