When I went to my nearby Wells Fargo Bank to deposit my firstunemployment check, the teller began asking me questions. I explained I waslaid off from my job. She painted a very bright picture for meandtoldme Wells Fargocould help alleviate some financialstress during this challenging time. I was interested. I later received a phonecall from Erica Brooks. Erica told me about a government programcalledHARPwhereI could refinance to a lower interest ratewithout anyincome or employment verification or contingency. With my goodcredit score, I was pleased for the opportunity to refinance to a lowerinterest rate and save a couple hundred dollars each month to help me get back on my feet. Imetwith Erica in person where she proceeded to complete a mortgage application and promised I was assured loan approval without any income or employment contingencies. She informed me then asked for asubstantialapplication fee of $375. I payed the application fee. She assured me thatall would be fine and it was a nominal investment toward a great savings. I gave her the money. After several weeks passed of nothearing from her, I received a notice in the mail from an underwriting firmthat bluntly statedmy application was declineddue too much debt toincome. Now I was out $375with no further hope of refinance. I was devastated. My time and money was wasted. I received no phone call or any further contactfrom Erica or anyone else at Wells Fargo Bank or Wells Fargo Home Mortgage. Ihaveheard a very similar story from other friends and co-workers in Fort Collins. I willnever Bank with Wells Fargo or initiate a new Home Mortgage with Wells FargoHome Mortgage again and would strongly advise others, if theyvalue theirtime and hard earned money, avoidanything to do with Wells Fargo Bank andHome Mortgage. This was $375 less my children had for Christmas presents and for food on the table. Erica Brooks is a crook.
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