July 10
To whom it might worry:
I've lately had a poor encounter with Wells Fargo and that I don't understand where otherwise to show except towards the numerous criticism companies and also the community.
This past year the economy struck me and my companion, Joe Jordan Gauna, really poor. He dropped his work being an associate instructor and accidentally triggered us to drop behind in funds. Wells Fargo Mortgage graciously decided to assist us having a “Loan Modification.” I created my cost consistently promptly each month. After I named in January to create my payment per month, I had been informed that I had been no further to create any funds. Our change was ended since I didn't return some paperwork. I guaranteed the girl I talked to about the phone that used to do not obtain something from Wells Fargo that explained I had a need to return. She recognized and stated she'd set me-up on another mortgage loan modification. She subsequently explained concerning the large number of various applications our there to incorporate one which was implemented from the Federal Government to make sure that individuals are not cost significantly more than their fair-share on mortgages. I required to become examined for that one change and he or she decided this could be the very best for my scenario, at that time. She questioned me to call-in of a MONTH to find out easily obtained financing change. Within an energy to prevent anymore late charges or delinquency I questioned easily might proceed to submit my funds. She professionally believed to conserve the cash to make sure it had been readily available for the change. She suggested that funds made at the moment could be delivered and never approved by Wells Fargo Mortgage.
I called at the start of Feb and was informed that my mortgage loan modification was rejected since I'd a National Tax Lien on some home. Well, I had been amazed since it was the very first house I'd actually possessed and that I never had every other home. The girl I talked to at Wells Fargo delivered me a Low-Identification Affidavit to possess authorized and notarized from the my County Court. I skipped work and required it towards the Court instantly. They ripped the info and discovered the tax loan was on the diverse home and under another social security number. I instantly sent all of this paperwork to Wells Fargo on January 22, and established it had been obtained using their reps. I again waited for nearly per month and was informed I had been rejected a since I'd a national tax lien on my home.
Discouraged, I sent in most my info again, established it had been obtained, and again was advised to hold back. I named another month later (today in April) and was informed that I had been refused due to my national tax lien. I talked using the consultant for around one hour also it was decided that I certainly submitted the info showing it was not my loan on January 22, and also the consultant suggested they'd resubmit. I waited again after which was informed that my house could be foreclosed since now-not just did I've the national tax loan, but I also was after dark appropriate quantity of weeks you might be behind for Wells Fargo to assist you.
Well, I described it was of no-fault of my own personal. Wells Fargo kept questioning me and questioning me-any kind of reduction. I kept calling plus they held confirming that paperwork was obtained but I kept getting refused. Then I had been informed it was my problem and that I was the main one who'd to work well with the Federal Duty workplace to guarantee the loan was eliminated. Thinking forward, I'd previously approached the Federal Duty workplace and sent over my paperwork on March 4. Nevertheless, after I named they stated it'd be weeks before they might approach anything…this was their regular process. Since I had been fulfilled with this specific difficulty from Wells Fargo, I named the Federal Duty workplace and (not) to my surprise-they never obtained my faxed paperwork. Though I've a conformation linen suggested the fax experienced ok. I also confirmed the amount using the Federal Tax Consultant as well as in an extremely quite informal approach she stated, “well I suppose we simply didn’t get it.”
Therefore, caught between a stone along with a difficult spot I attempted to show for aid but all of the gates were shut. Who would like to become involved right into a mortgage challenge at the moment. No body. Since I work with among the GREATEST Company’s in the USA, I considered them for aid. The one thing I had been ready to complete was sell my 401K, my potential, my pension, my entire life. I required a hardship withdrawal of $30,000.
I called the Foreclosure Lawyer for Wells Fargo, Barrett, Daffin, Frappier, Turner, and Engle, LLP, and talked to Luis. He couldn't have already been better. He explained he'd deliver me a pay-off estimate but I had a need to contact Wells Fargo to consider the cost of $30,000 since I'd have now been brief about $2,000 that have been the late fees and attorney fees. LATE FEES, I wasn't overdue! Wells Fargo wouldn't consider my cash! Therefore, I named Wells Fargo on May 20, and talked to Jordan. He was so useful and comprehension. He named my lender to guarantee the cash was there as well as examined together with his boss to make sure he might make the deal. Jordan subsequently explained that my consideration could be updated and that I might get a new statement. Really, he suggested my payment per month could be decreased. I HAD BEEN PLEASED OUR HOUSE WAS PRESERVED;approximately I imagined.
I called again on June 2 and was informed from the Reduction Mitigation division that my $30,000 was simply sitting therein the things they named a SUSPENSE ACCOUNT. I discussed that I had been informed that I had been likely to get a new statement. The girl within the Reduction Mitigation division suggested that my bill no further belonged in Damage Mitigation since I settled a considerable quantity and he or she might guarantee the $30,000 was put on my bill to ensure that I really could begin producing regular mortgage repayments.
I called back per week later and was informed that my consideration was in foreclosure position. I questioned why plus they suggested I had been brief about $2,000 and had a need to contact the Foreclosure attorney’s workplace. I named work and was informed there is no records that LUIS explained to contact Wells Fargo which I had been mistaken. I had been worried about preserving our house. I had been making sure every comprehensive was adopted and that I actually requested follow up concerns to every showing, “ARE YOU SURE HERE IS THE PROCEDURE? ” Everybody always assured me I had been about the correct route.
I've been back and final with Wells Fargo. I've talked to Supervisors who guaranteed to help me (Harry and Octavio) and that I received no aid. I really talked with Octavio to get a lengthy while and he appeared real and stated he'd contact me back. He never did…. Another offer broken. I required to consult with Professionals several period and was usually informed no body understood who these were however they might provide me an address. I didn’t need an address…I desired to talk to somebody. I needed anyone to PAY ATTENTION TO ME! I actually was used in a Tracy Starling Fruit who had been said to be an Government and he or she didn’t actually return my phone.
In my opinion all the steps by Wells Fargo are BAD-FAITH. Our $30,000 was obtained, having a guarantee that I'd be producing my normal monthly obligations. I had been informed from the Reduction Mitigation division that my bill no further must be within their division and that I might begin producing my monthly obligations. I had been guaranteed a phone back by Octavio, a boss, and he NEVER called me back. I quit a note for Tracy Starling Berry, who's said to be a pacesetter of the business, and that I didn’t obtain a call-back.
I've done anything everybody has requested. I'm exhausted, frustrated, unhappy, frightened, injured, and out-of my brain. I've not had the opportunity to connect to individuals usually as a result of this bad support.in my opinion I'll quickly shed my house since no body may hear or assist.
Eager,
Abelardo Rodriguez, Jr.
607 West Magnolia Avenue
Sanantonio, TX 78212
210-771-1646
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