Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Maine

In or around - - I contacted my lender Wells Fargo to refinance. I had recently divorced and wanted to remove my husband 's name from the mortgage and obtain a more realistic rate due to my hardship. I have - children - in - and - in -. I am trying to keep life as stable as possible. I am working - jobs to do so. On - -, - I received the first notification from Wells Fargo assigning me with a home preservation specialist - - and her phone number.All documentation requested was submitted via fax as referenced in -/-/- letter. From - until - I have been on the phone multiple times a day, multiple days of the week responding to requests of more information. Needed more profit loses, needed 2 weeks of pay stubs, then wanted another 2 weeks of pay stubs. The underwriter always was requesting more specifics. I would give 3 months they would ask for another 3 months. My -


no one ever knew who these people were, my file would also not reflect that I spoke with those individuals, the file was never updated. I would have to explain my situation over and over again. Most times I would ask the agent to read the notes in my file ; in most cases I would be told there were no notes. On one occasion the information that was in my file was foreclosure information from another Wells Fargo borrower. On numerous occasions I would fax additional requested information, when I would follow up to insure it was received I would never hear back to weather it was received, or they did n't have it etc. They would also state they sent information to me and I would never get it, one time the sent it to my ex-husbands house. I requested my name to be changed back in -. My divorce decree and my - taxes where the first batch of information sent to them. -/-/- letter received confirming receipt of required my documents and that it would take 30 days to review from - -was all put in place. I never received anything in writing with the terms of this modification, nor do I know the formula used to establish rate. She also told me at this time that - payment was skipped and that the modification would begin -/-/-. At this time I contacted the State of Maine and - - called me back. I explained my situation over the past months and concern over accepting the modification. She encouraged me to call - and request the formula the underwriter used, - stated that they did not have to give out that information, I asked for a supervisor, - answered I explained I was working with the State and was requesting the formula, he stated " are you threatening me with a lawsuit '' laughing. I asked for his supervisor he would not pass me on. He told me to put request in writing, I did. - Executive Mortgage Specialist Customer Care and Recovery Specialist is who contacted me in response to my request. On - -, - I received a letter from him stating they verified an error on their part did not occur. This letter is riddled with errors. The total monthly income is not consistent with numbers that I submitted. What is the child support number supposed to be? No matter how you add the wage, child support, business it does not equal the total monthly income as referenced in his letter. - - I contacted - and told her I was n't going to accept the modification and I was going to continue to pay my normal mortgage.