Wells Fargo told me to have my payment stopped at the bank, does that make sense?

I was looking for help-we are in the same situation with Wells Fargo-and they will not apply our payments and we were to be accepted for a loan modification as well. We have received no statements from them since, but when we called one woman said things were fine and another did not but they have not applied our payment.

How can we fight Wells Fargo,They have done the same thing to me in Texas, Everytime you call you get a different answer. The attorny for WF is inm Dallas Barrett Daffin Frappier Turner & Engle, they have a mini call center, but they won't help either, I asked for a record of payments, they told me to call WF, We Desperatley need help in TEXAS against WELLS FARGO

I am in the same situation with Wells Fargo. Have been talking to them since April when I was only 1 payment behind. They have been promising a loan modification all that time, but keep telling me to call in next week to talk to a negoiator, but not to worry about foreclosure. I also talked to the Attornies for Freddie Mac who Wells Fargo sold the loan to. They say same thing that they can get a loan Mod in time. Keep postponing me!! Guess what? Foreclosure is now 1 week away. What can I do??? Help??

MY STORY IS SIMILAR,
FOR 9 MONTHS I DEALT WITH WELLS FARGO & THERE LOSS MITIGATION DEPARTMENT. THEY HAD ME APPLY FOR A TOTAL OF 5 LOAN MODIFICATIONS, JUST SO THEY COULD STRING ME ALONG & BUY TIME. THEY DESTROYED MY CREDIT SO I COULDN’T RE-FINANCE & CONSISTENTLY REFUSED PAYMENTS FROM ME SO I COULD NOT RE-INSTATE MY LOAN. 15 DAYS BEFORE THE TRUSTEE SALE/PUBLIC AUCTION DATE OF OUR PROPERTY, WE WERE GIVEN A $38K PAY OR QUIT RE-INSTATEMENT QUOTE & TO THEIR SHOCKING SUPRISE, WE PAID IN FULL.
IF YOU HAVE FOUND YOURSELF IN ONE OR MORE OF THE FOLLOWING SITUATIONS WITH WELLS FARGO-YOU ARE NOT ALONE & WE NEED YOU TO HELP US FIGHT BACK.

1.   IF A WELLS FARGO REPRESENTATIVE TOLD YOU TO NOT MAKE PAYMENTS WHILE APPLYING FOR A LOAN MODIFICATION, OR MORE SPECIFICALLY, TO NOT MAKE 3 PAYMENTS, OR THAT YOUR LOAN HAD TO BE IN DEFAULT TO BE APPROVED.
2.   YOUR CREDIT RATING WAS AFFECTED DURING THE PROCESS
3.   THEY REFUSED/WOULD NOT ACCEPT PAYMENT FROM YOU AT ANY POINT DURING THA LOAN MODIFICATION PROCESS.
OR IF ANY OF THIS SOUNDS FAMILIAR TO YOU—YOU MAY BE ABLE TO JOIN US.

I WOULD BE MORE THAN HAPPY TO HELP ANYONE ALSO.
THIS IS MY ENTIRE STORY…
WELLS FARGO-I PREFER TO CALLWELLS HELL.
In January of this year, we contacted our mortgage company, Wells Fargo in an attempt to lower our monthly mortgage payment via a loan modification. At that point our loan was current & up to date.
They first told us to freeze our payments & that a mod could not be approved if we made any payments within the 90 day period that our application was being processed. When I asked why, I was told that the loan had to be in default for a modification to be approved & that the past due amount would be applied back to the principal, therefore stretching out the terms of the loan, thus a modification.
They said to fax a profit & loss statement, along with proof of income/bank statements, & a hardship letter.
2 days later I faxed over 27 pages to their loss mitigation department & after several attempts, they finally confirmed that it was received. I inquired again about why we should freeze our payments, and was told the same thing & advised to call every couple of weeks to ‘check in'. I did this for 3 months & they continued to tell me the same thing-the application was being processed, to still not make a payment.
Finally, 3 months later, I received 2 letters from Wells Fargo.
1. The first one said ‘unfortunately' our application for a loan modification was ‘denied' & the decision was based on us not being able to ‘come to an agreement', continuing on, that there may be other options, but in our case there were ‘no other options'.
2. The other letter was a statement reflecting a balance of $17,000 due immediately, and if payment was not received in less than 2 weeks, ‘foreclosure proceedings will begin'.
I called wells fargo & was disconnected 3 different times after explaining my story. Finally, I spoke to a rep that informed me the reason for our request being denied was 'missing information'. Apparently they ‘left a message' requesting more ‘current documentation' the same day they denied our application.
I check the answering machine daily-they never left a message
They take 90 days to ‘process' our application & then decide on the 89th day that the information is out of date?
The representative advised me of the following 3 options;

1. Pay the delinquent balance of $17,000 in full.
2. Request a re-payment plan, which would require me to pay $8,000 up front & the rest I could pay off in addition to my monthly payment-actually making it higher
3. Re-apply for the modification, HOWEVER-the house will be in foreclosure, but they would ‘freeze the force sale' while my request was in review.
I asked if I could have a couple of hours to get all of the money together into 1 account & call back. Apparently there was 'no call back number', but the rep could call me back at 4:00 that day.
I never received a call back that afternoon, BUT I GOT AN UNEXPECTED VISITOR—to my surprise, I found a woman taking pictures of the property. I approached her only to find that she was a representative of Wells Fargo conducting a ‘property inspection'. This is when I started to realize that something was definetly going on.
The following business day, I called the loss mitigation department, explaining that I never received the call & that I wanted to pay the balance in full. This is when I was informed that they (Wells Fargo) were unable to accept a payment from me at that time. I tried escalating it to a manager, and no one was available. I tried calling several different Wells Fargo Mortgage Phone numbers, trying to pay but every time I was re-directed to the Loss Mitigation Dept.
It was at that point I decided to hire a lawyer & since that time,Wells Fargo:
Continued to refuse payment from us (they return our checks back to us via US Mail).
Sent men in black suits to our property on 3 occasions, asking who occupies the house, what the condition of the interior is like, taking pictures, walking along the property lines, not answering any of our questions.
Forced us to re-apply a total of 5 times for the modification & requested updated documentation 17 times (this includes profit/loss, bank statements, taxes, w-2, and so much more). Everyone of the 17 times I had to re-submit the information, they would claim that they did ‘not' receive our faxes the first 3 or 4 times, making us wait 3 days each time for them to ‘process' –all in an effort to string us along while they were buying time, as our property was scheduled for ‘public auction’ on September 17th.
In the past, prior to applying for a loan mod, If a payment wasn't received 2 days BEFORE our due date, they would call three times a day, demanding payment. I did not received one call from them since the day I called & requested our loan be modified.
Wells Fargo has violated RESPA LAWS by completely ruining our credit, making it impossible for us to be able to re-finance. This has changed the terms on all of our other accounts, raising our interest rates, decreasing the available balance & affecting our credit significantly. My husband had a credit score of 875 last year. Now he is in the very low 600's.
On September 1st, two weeks before the public auction date, they told my lawyer that they had received all of the paperwork & they were waiting for our application to be assigned to an agent. I couldn’t count the amount of times I had read that same statement from different people in the same situation. This is not a coincidence, and neither is the fact that there are over a hundred other families across the country that have stories that are identical to mine.
WE PAID LOANSTAR TRUSTEE SERVICES (Also owned by Wells Fargo) $37k ON SEPT 8TH…
THE AUCTION DATE WAS SET FOR SEPT 17th (TODAY)

Do you know of any lawyers in Utah. We need to sue Wells Fargo

We have been dealing with Wellsfargo since 07.They first did a forbearence08.Our original payment was 1543.00. Then when forbearence was done our payment jumped to 1623.80 we could handle that. After 3 months of payments. They did another forbearence. This time the payment jumped to 2,187.87. I called them to see what we could do. After 8 months they did a modification. We were told our payments would go down.They would lower the interest and extend the years. When modification came in Dec08. Nothing had changed. Nothing. So in Feb.09 I decided to hire a forclosure attorney. Paid them 740.00 upfront and 350.00 a month since then. They attorney told us it would keep our home from forclosure. Not to worry. Last week I found out the sent our mortgage to forclosure dept. April 15th 09. We have never been notified. I was upset when Wellsfargo called and I asked why they weren't dealing with our attorney. They said they have had NO contact with the attorney except for a 3rd party verification. So now I contacted Senator Bill Nelsons office. They have their own dept. set up to help people in our situation. I also contacted HOPE. I am praying something can be done. I have lived in my home for 51 years and I am on disability. My bathroom is set up to accomodate me. The other issue is. In 07 when my husband refinanced our home. He had no idea 3 months later he would have a car accident(no fault of his) that keep him out of work for about 7 weeks. Then for over a year theropy and doctors. He has a permenant neck injury but, he is back to work. Our home had appraised at 294,500. Today it's value is 153,000. With all the fees tacked on by wellsfargo we now owe 259,000. What stress this has caused.

We have been dealing with Wellsfargo since 07.They first did a forbearence08.Our original payment was 1543.00. Then when forbearence was done our payment jumped to 1623.80 we could handle that. After 3 months of payments. They did another forbearence. This time the payment jumped to 2,187.87. I called them to see what we could do. After 8 months they did a modification. We were told our payments would go down.They would lower the interest and extend the years. When modification came in Dec08. Nothing had changed. Nothing. So in Feb.09 I decided to hire a forclosure attorney. Paid them 740.00 upfront and 350.00 a month since then. They attorney told us it would keep our home from forclosure. Not to worry. Last week I found out the sent our mortgage to forclosure dept. April 15th 09. We have never been notified. I was upset when Wellsfargo called and I asked why they weren't dealing with our attorney. They said they have had NO contact with the attorney except for a 3rd party verification. So now I contacted Senator Bill Nelsons office. They have their own dept. set up to help people in our situation. I also contacted HOPE. I am praying something can be done. I have lived in my home for 51 years and I am on disability. My bathroom is set up to accomodate me. The other issue is. In 07 when my husband refinanced our home. He had no idea 3 months later he would have a car accident(no fault of his) that keep him out of work for about 7 weeks. Then for over a year theropy and doctors. He has a permenant neck injury but, he is back to work. Our home had appraised at 294,500. Today it's value is 153,000. With all the fees tacked on by wellsfargo we now owe 259,000. What stress this has caused.

Lawyer puting together a case against Wells Fargo

I to have spent the last 6 months with a run around and ever imagined and some unimanginable trick from wells fargo am now on my 5th time trying to get a deed in lieu as adviced by VA. Still no closer then I was. Its beyond incopentance. I have now gotten in contact with the a lawer that is putting together a case he emailed me back promtly as is wanting to talk to me asap. Please call him and add your voise. Wells Fargo needs to be held accountable. By the way research I have only found one person that got fair treatment with wells fargo and thats after gettting incontact with the executive team but 2 weeks after he called them they changed the number. If its just there phone staff they can fall back on incompentance and that they where un aware of whats going on. When the pers got to management they had to act as they had no deniability.

Join the fight

DOSE ANYONE KNOW HOW LONG DOSE IT TAKE FORCLOSES IN PA AND YES I HAVE WELLS N FARGO AND YES THEY ARE FOOLS. THEY DEAL WITH SHADEY PEOPLE AND I BELIVE THEY WILL HAVE THERE DAY SOON , THANK YOU SUSAN AND FAMILEY IN PA.

OMG: I thought I was just having 'bad luck/bad timing.'
Unfortunately, I fell through on a 'unemployment forberance' nov 08 to march 09. (total due then ~$8k. Things were looking better and they then let me setup a repayment plan for 4x months.
I went to make payment in July and they refused it and said call 800....... On phone they then informed me that my June payment plan posted on the 16th, and was due 15th. Said they also 'sent a letter' never got. PLUS my original foreclosure date was 13th july (come and gone didn't even know.) they 'proceeded with it,' and I NEVER HEARD ANYTHING. SO I begged on the phone for my home and they said 'fax in an explaination to 800.......' Which is ACS servicer fax #. Not heard back yet......tick......tick.....tock......... HELP!

Wells Fargo was to process for us a loan modification (modification sought and process through a non-profit) no closing costs, credit inquiries, attorney fees, etc.. I received a phone call on a tuesday from a WF agent informing that our title was not clear, as our home oiwners assocation had leins our property, and if this could not be cleared up by friday of the same week the load modification was off. REMEMBER NO CHANGES WERE TO BE REQUIRED, JUST A REDUCTION OF INTEREST RATE AND A REDUCTION OF THE MONTHLY PAYMENT! Needless to state WF is not concerned about their customers, are not customer friendly.