Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

FHA mortgage Application, originator, mortgage broker Tennessee

Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. -/-/- I contacted a Wells Fargo Agent ( - - - ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions - - e-mailed me - " Approximate Loan Cost Illustrations '' I chose the - loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed - - asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' - - asked me to call - for assistance on loan rate modification. I called this toll free number and spoke to several


I called - - back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when - - told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than --times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. - - terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. - - ( Executive Mortgage Specialist ) -, extension - I called - . - several times and left a message for her, with my phone number, but - - - NEVER returned my call. ( Note : In the past, on another issue, - . - sent me a letter ( dated -/-/- ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... - please leave your name, phone number and mortgage number .... '' I was never called back. QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? REQUEST. 1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 2. - APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through - - from Wells Fargo. Pls stop sending me solicitation for a - - to reduce my mortgage.