Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Georgia

-/-/- Wells Fargo Months Long Encounter * Why does it take 54 business days to fulfill my RESPA with no acknowledgement on their part of the delay except that there will be a delay. I thought only 45 days are allowed, including a 15 day extension, if granted. * Why did I get - identical letters dated the same, on the same subject from one rep. * Why did I get a letter from ASC ( dated -/-/- ) stating " if the foreclosure process has not yet started, it could begin at any time '' ( attached ) I 'm current in mortgage, tax and insurance payments as of that date of - - and as of this writing.


* She explained that the original mix-up was because 'most ' people who apply for mortgage modifications are behind in their payments already and that 's why I continue to get the " Foreclosure Help '' letters from ASC and probably why the first attempt in -/-/- did n't go well. ( they 're " The Mortgage Company '', they have my records of payment, the info I sent along at the time in -/-/- concerning my health status and financial records including bank statements which showed my most recent monthly payments on my mortgage. I do n't understand why they 're confused about my payment status ... ) * Why did they send a letter threatening to impose their own more expensive insurance ; I have an - - policy that I 've had for nearly 30 years ( I 'd thought of taking out a -. cheaper policy but decided not to and let it lapse and that company notified WF/ASC ; but my - was still in effect ... - see attached phone records. ( ... I went to - 's site, " - '' to check - info ; found though I 've had it since I bought this house, it was not listed as insurance carrier ; I entered all info for my - policy even though it 's never been canceled or dropped and it 's been in effect during this cycle since -/-/- and does n't expire until the same date in -/-/-. Why was n't the - I 've had for 28 years listed and only partial filled out listing of the temporary, canceled - policy?. ) * My RESPA asked for a listing of my payment history since WF acquired my deed in -/-/- ; when I received only a part fulfillment I was told they needed a more specific time period ; " since WF acquired my deed in - '' seems fairly specific. At 54 days, I got the complete record from WF. * How did my missing check payment happen to be credited to my account the same day as my wire transfer, -/-/-? * After all of this as outlined in more detail in the attached - page " Phone Record '', why was I finally told by - - - that because of my age and financial condition WF did n't see real possibility of help and that perhaps HARP could assist instead, this in spite of the following : Earlier this year, I found an interview by DiversityInc CEO - - with WF CEO - - on the net, it was specifically concerning sub-prime loans : - ( " Select '', " Copy '', " Paste '' in Browser location window.. ) About - the interviewer asks about Well Fargo 's outreach to people having difficulty making their payments, his reply : " As a matter of fact, that was the whole deal ; we went out as an outreach and we said, 'Dear customer, we know you 're struggling on this, how about if we reduce the principle or reduce the interest rate, or extend the term ; would that help you stay in your home? ' ; and I can tell you those customers will be customers for life when you extend yourself like that. '' No one from WF has ever talked to me the way CEO - - suggests in this video. Where 's the help? - Truncated Portions Cont 'd in Attached Support Material ... )