I have been reading about all the rip offs that wells Fargo has been doing to everybody and I am having the same problems, I am a disabled vet and had fallen five months behind in payments. I told wells Fargo that I would not be able to make these payments in advance so they would know what is going on. Of course I had at least five phone calls a day from them and would answer the same questions over and over and finally I filed bankrupts to end the calls and to make it where I would actually be able to keep my house and able to make the payments.
I called wells Fargo and told them this and of course they had to have a financial statement and a letter stating why I fell behind and proof of income. I sent this and was told to make a house payment and they would not foreclose and everything would be fine and not to worry about it, three days later I got a letter saying I was denied the payment plan because I could not make the payments. I called and asked what this was about and was told to ignore it. I made the payment then received a letter saying I had to make a double payment not a single and for a year my payment would be about $200.00 extra. I called and told them I couldn't do that cause of a tight budget. Then they wanted me to send in another financial worksheet and a statement saying why I fell behind and proof of income, so I did and they came up with another payment plan I couldn't make. I did this four times and told them my wage stays the same every month and the budget is the same and the reason why I fell behind is the same!!!
I called and talked to someone about my expenses every month and they said I had over $700.00 left at the end of the month. I tried to go over every expense over and over again to get the numbers in her head and finally got close to what it should be for my monthly expenses and I just gave up. Now they want to do a loan modification and want me to send in $521.62 not for a house payment but to give to someone to say yes or no on the loan modification.
I am about to say the hell with this crap and let them have the house back. I only owe $2500 in over due payments and I feel like this loan modification is another stupid game, I now have a lawyer working pro bono on this, but I am fed up with there games and will never do business with these idiots again. I know I have a long road ahead of me to get this straighten out and you would think with all of these complaints that someone would do something to this company, maybe sue the hell out of them and give the proceeds back to the people they are ripping off!
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