I just returned from the most unrealistic nightmare of court that you can ever imagine. When Wells Fargo Home Mortgages replaced Brenton mortgages in March we were instantlt doomed.
We had been with Brenton since 1998. Had been completely satisfied with the service we were recieving.
The minute Wells Fargo took over they changed our payment amount without notice. When they recieved our March payment in the amount of $369.08 (the same as stated in our loan agreement)
They rerturned it with the explanation the payment was not the total amount due. When we phoned customer service we were bounced from person to person for over an hour. When I finally got ahold of someone who would listen they told me that I was not on my own mrtgage. And they could not discuss it with me. The representative then hung up. This more than upset me to say the least.
So I dug out my copy of the original mortgage and drove with the payment to our local office here in Davenport, Iowa. After the teller confirmed that I was on the mortgage I asked for reasoning behind the payment being sent back. I was told I would have to call there San Bernadino, California office. When I asked for the number I was told to call the 800 number and ask for someone in that office. As I did this I was once again bounced from person to person for several hours. No resolution was ever given however I was told that someone would get back to me. I waited24 hours and phoned back.
I was told there was a noter on the account and someone would be getting in touch shortly. It took three weeks and a letter to get someone to call me. Then I was told to resubmit the paymemt because it was an error easily taken care of. I then sent 2 months payment since the next was due shortly. BOTH payments were returned with the same explanation. This process was unbelievable. They then began telling me I had to make arrangements towards the account arearages.
I was told I was several (5) months behind at this point. All hell has broken loose since that date. Payments have not been accepted and Wells Fargo gives to many different answers to type. They took $1000.00 from me in September and said that everything had been taken care of. Then in November they cashed my payment check in the amount of $400.00 (trying to be on the safe side I paid a few dollars more) and never posted it.
To this day even with the cancelled check they claim thay never recieved the monies. They then pressed for Foreclosure. I hired an attorney and he got no information from Wells Fargo. I went to a local help agency and had a volunteer asttorney try to get information he got nowhere as well.
In court the claims were not denied that by an employee that Wells Fargo did not ahndle any aspect of our loan properly. However that means NOTHING. I was told by the judge they have a right to change the payment at random. When they changed my amouont they should have sent a notice however that was explained as a minor technicality.
Even thought I have documents upon documents showing the problem was on Wells Farfgo's end I was told there was notjing the jjudge could do. I was then told to pay almost $20,000.00 more than I had borrowed in 1998 to Wells Fargo or relinguish rights to the home. MOst of the money is for fees that are unexplained and others that could have been avoided if Wells Fargo had hired caring and intelligent people as well as implimenting better customer service techniques.
S.M.
Davenport, Iowa
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