Wells Fargo Faces Mortgage Lending Violations Class Action Lawsuit

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Los Angeles, CA: Wells Fargo Bank NA is facing a potential consumer banking and lending violations class action lawsuit alleging it violated California consumer laws by billing late fees to, or foreclosing on, state homeowners who had loan modification applications pending with the bank.

The lawsuit, Garcia et al. v. Wells Fargo Bank NA et al., case number 8:14-cv-00558, in U.S. District Court for the Central District of California, alleges Wells Fargo practices "dual tracking", which is when a bank pursues a foreclosure while simultaneously processing loan modifications. On January 1, 2013, the California Homeowner Bill of Rights was enacted, forbidding this behaviour.

"Because the dual-tracking system prevents homeowners from being evaluated for appropriate loan modifications before foreclosure, it has resulted in many unnecessary foreclosures,"the lawsuit states.

Lead plaintiffs, Orange County residents Henry and Renee Garcia, allege they applied for a loan modification with Wells Fargo but that the bank charged them $840 in late fees and prepared to foreclose on the property before the application process was complete. The bank later rejected the application, verbally denied their appeal, and scheduled the home for trustee sale.

According to the lawsuit, the Garcias defaulted on the mortgage for their San Juan Capistrano, CA, home on March 6, 2013. The following month they submitted a loan modification application to Wells Fargo and over the next several months they stayed in frequent communication with bank officials.

However, simultaneous to the processing of the Garcias' application Wells Fargo recorded a notice of trustee sale on their home, moving forward with the foreclosure process in violation of the state' consumer protection law, according to the lawsuit. It wasn't until the following January that the Garcias loan application was denied, according to the complaint. Garcias appealed, but the bank denied the appeal in February and scheduled a trustee sale of the property for March 5, 2014.

In their lawsuit, the Garcias seek to establish two classes: one for alleged victims of dual tracking and another for homeowners who were illegally charged late fees.

The complaint alleges violations of the California Homeowner Bill of Rights' restrictions on dual tracking and late fees and the California Unfair Competition Law. The plaintiffs are seeking class certification, unspecified damages and restitution, and injunctive relief forbidding the bank from engaging in the alleged activity.

The Garcias are represented by Vincent D. Howard and Gregory H.D. Alumit of Howard Law PC and David M. Arbogast of Arbogast Bowen LLP.



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Reader Comments

Posted by
Joanna Garrison
on
I bought my house in 2007.In 2010 I asked for a loan modification and never got an answer. I was under fordclosure.I did a short sell on my home. The lender accepted 17,000 and my loan was 100,00.If they would have modified my loan that low for me I could have kept my house. Feeling disgusted ! Joanna Garrison I Anything I can do?

Posted by
J.Johnson
on
Wells Fargo was very aggressive in their foreclosure method, and some of their loan modification staff is very unprofessional and not very competent. After raising hell, I finally got some a very competent person to work with but I have the gray hairs to show. I also think they allowed attorneys fees to be added that were direct result of their poor handling of my loan modification request.

Posted by
Kathleen Southern
on
Wells Fargo financed my dad's home with his VA certificate. The realtor made us pay for an inspection, which apparently was not done. After taking posession, we began to realize our home was overpriced with many "problems" that needed to have been fixed. Our septic tank inlet was located under the back porch concrete slab that had to be cut in order to access the tank, our field lines and septic tank were not up to health dept regulations. Quite a few other issues that should have been disclosed before closing. My dad fell behind on his mortgage and WF modified his loan and forced us to pay for another inspection. They required him to take a loan to fix all the original problems that should have been fixed before the first loan was signed. Then they started foreclosure proceedings and added so many fees and fines that dad was unable to keep up the mortgage and the loan. So WF modified again adding all of that into one mortgage, along with force placed insurance separate from our mortgage and house insurance. AND making yet another costly inspection. Dad finally realized he would never get anything paid down on this loan and contacted the VA. They told him to decide if he wanted to live there or walk away. He chose to walk away and the VA said not to pay WF another cent, they would handle the situation, over the time span of five years from 2005-2010 my dad paid mortgages of 600 to 1000 dollars per month and more was owed on the house than when he bought it. They ruined his credit and all of that caused him to have to file bankruptcy. Thank god for the VA, otherwise his children would have been saddled with that debt when he passed away. This occurred in Mobile, Alabama and our realtor assured us there was NOTHING wrong with the house and charged a $700 inspection fee upfront before closing. The banking mortgage and realtors are in each others pockets. They sell these houses over and over again. Wells Fargo is not alone but they are a major culprit in defrauding elderly and veterans.

Posted by
Lesllie
on
in 2007 we refinanced our home with Wells Fargo. Our home was being paid for through another lender. Wells Fargo violated FDIC laws by using AVMs to compute an inflated value of our home. They over valued it by about $30,000 and then proceeded to create a loan for us with an inflated percentage of 8.3% interest.

They use fradulent tactics to get our loan. We are now under water with our loan-to-value because of their illegal tactics to inflat our value.

We are retired and lived on a fixed income and cannot get them to at least release our loan percentage to 5% so we can at least afford our payments.

We may end up loosing our home because we cannot continue to pay $600 more per month then we can pay rent elsewhere for.

Posted by
ron little
on
I have had a mortgage with wells Fargo since 2002. I started at 62000 and 15 years later I still owe 58000. At the time they were using a electronic mortgage system. I now have balloon payment due and they are refusing to re-fi. This appears to be common predatory lending from that period

Posted by
j. herrmann
on
i have been fighting since 2009.they broke in my house (i have proof,even the cops once)they locked me out at night with an infant grandchild and all my groceries .i was almost an hour away and had to go to sons house and get a locksmith because it was illegal ! i didnt go to court and no forclosure was set !!! i tried modification and for real reasons and papers to prove .they refused months later and i had 3 strokes and a year later a mini stroke.they broke in and i got a lawyer and they broke in2015 again. all this time i paid a lawyer when i could have paid them but i was afraid to take a shower cause they might break in!!!finally they dropped case!!! then forclosed again. then they had another co rushmore handle billing and made a court date. wells fargo wasnt even there and when i told judge that they broke in he wouldnt let me talk cause well fargo wasnt at the court ,only rushmore and they they cant talk about it cause they had nothing to do with it. the judge said sorry and wouldnt give me more time or any cash for keys. i am 70 years old and disabled a kind of hoarder and lived there 35 years!!!now i have my back out since i moved and dont know what to do . my lifes savings and all i gave up to keep my house . i wish someone could help me. this is injustice.by the way they sold my house in days shortsale for 210,000 and my mortgage was120,000,plus the govt gives them money too!!!injustice!!!!!

Posted by
Carolyn Mirdo
on
I had a horrible experience with WFHM. I HAVE MS, so in 2008 I had to leave the workforce. I lived in Florida where the property values fell daily. I tried to sell my home repeatedly. By 2010 with no buyer in sight, I decided to apply for a loan modification. My loan was with Wells Fargo but my loan was sold to
B of A, so that meant I did not qualify for the HEMP program. Wells repeatedly asked for more and more documentation and after six months I had to submit a whole new credit package.. They would purposely use incorrect figures, anything to stale. This went on for three years. I am retired from the mortgage industry so I knew this was nonsense. I reported this to my Congressman and my Senator. My Senator reported the problem to the OCC. Wells Fargo lied to the OCC. The OCC is a worthless organization, they believe whatever the banks tell them. They should do their own due-dilligence. Then the OCC states that they agree with Wells Fargo and any further discussion, would require me to retain an attorney. When I saw the figures that Wells sent to the OCC everything was erroneous. THE WORST IS YET TO COME.
We finally sold our home on a short sale in 2013 and we had to move to Georgia to be near our kids because of my illness. Two weeks after we moved into an apartment in Georgia, we got a letter from Wells Fargo that said they modified our loan. You read it right, they not only modified our loan but they lowered the principal balance. I called them and asked what kind of sick joke is this and they denied it. I know this was revenge for reporting them to the OCC. I have the evidence that they did this. I kept all records but trying to find an attorney in Florida to take this case on a contingency basis. I have no more money, Wells Fargo has my money. I am looking for a group to join if anyone can help.

Posted by
Ad gui
on
Wellsfargo is horrible I have been harassed by them since 2008 regarding overdraft fees to mortgage fees. This bank foreclosed my home. I became physically ill and was set back for a month. After realizing the stress and drama they put me through I paid them up they still harassed me. They called me fr sun up to sun down. The worst finally someone is standing up for us.

Posted by
rick wilson
on
i had a loan with wellsfargo it was 2 homes on 1 loani refi with them times and they said we will pay taxes on the 3rd refi they did not and they did not inform me they would not pay taes on 2nd home i lost that home because of that but wellsfargo still wanted me to pay for it i offerd them 40000 for the home i stii had and noreply now they are foreclosing and asking for 38000 for my home if i was going to give them 40000 why not take it because they they know they screw me now they have to cover it up

Posted by
lorie toups
on
They foreclosed unlawfully.

Posted by
cindy NADELBACH
on
We bought our home 2005 with world savings bank the pic a payment plan mortgage its a suicide mortgage. then it switched to wachovia and then wells fargo.. we have been trying to modify and they deny for lack of documentation,,, they play a game ask for documents and then say over and over again that they never receieved them.. they even fraudulantly signed my husbands name on the original hud settelment statement since we did a full fraud report and they cannot even proove they own our note... no assignment of mortgage no nothing.. how can they keep trying to foreclose if they cant even proove anything? world savings went out of business i hear that all the mortgages were settled and paid off by the time wells fargo got them, how can we sue them for all the lies is there a current class action law suit. who can help us.. they want to foreclose we want to keep home and modify and they lie to the attorney general and they got billions of dollars and dont want to help us keep our home....

Posted by
TeresaMMaples
on
In 2007 i applied to WF for a home Equity Loan on a home i owned for 20 yrs with a balance of 80K appraised $280K, had a decent credit rating, disabled with an income of 33K a yr. i intended to do repairs and sell for the max profit. WF denied the HEL but offered me a refi with 60K cash at 2x's the interest rate with double the monthly payment. i took it as a business deal, made repair plans, held money for future repairs in CD's made auto pay for mortgage and started the 1 yr repair plan. At that time i did not realize it was a subprime mortgage.

The market collapsed and the US was in a deep recession, i owed twice the amount on my home and the value dropped to half of the new mortgage. After being treated like a dead beat, called and harassed by WF 5 x's a day, WF agreed to refinance with HARP at the low interest rate and agreed to do a short sale.

While i waited for documentation on the short sale WF sued me for the full amount of the mortgage because they couldn't find the title. The restate attorney i spoke with said i would have to file bankruptcy to protect myself and referred me to a bankruptcy attorney. It took 2 yrs plus since millions of others were also filing bankruptcy at the time.

After the bankruptcy was final i received a post card as a class for the DOJ's lawsuit against WF so i attached documentation and mailed my info to the DOJ. 2 yrs later i received 500. check for compensation. 4 months ago i received another post card for another class action lawsuit against WF for the fees charged during bankruptcy proceedings, since i let the house go i do not qualify because i did not actually pay tho fees.

How is this right, WF fast racks me into 2 bad loans and steals the 20 yrs of investment into my home and i get 500.00 compensation and that's it?

Is there any other action being taken to against WF by the class involved in The Wells Fargo Independent Review by the DOJ, US Comptroller and Board of Governors, they did plead guilty!

Posted by
Tony Huynh
on
I tried working with Wells Fargo on numerous occasions to get a loan mod. Back in 2010 while seeking loan modification assistance and completing the trial payments they filed an NOD for foreclosure preceedings on my property. A few weeks later, they gave me a 6 month modification and moved all my late interest onto the back of the loan and my note rate changed. Fast forward to 2015 and I get laid off and was put on an unemployment forebearance plan with reduced payments for 6 months. I found a job in 6 months and then Wells Fargo wanted full interest that was due during the 6 month forbearance plan. I did not have it and had to seek loan modification assistance which I was declined. I ended up going through Keep Your Home California to help pay the delinquent payments and late fees to bring my mortgage current.

My mortgage adjusted on 1/1/16 to contain both principal and interest payments. Once again, I reached out to Wells Fargo for a modification. They told me I am ineligible for in-house programs and ineligible for Government HAMP modifications because the investor will now allow it because I already received a modification. The investor is Wells Fargo MBS. I feel Wells Fargo is unfairly denying me a long term loan modification solution because of the short trial they gave me back in 2010 when they sent concurrently sent my home to foreclosure. Because they are the end investor, they have the ability to modify my loan, they just dont want to. I dont know what to do. I love my house and want to remain in it. I just cant sustain the payment change from $1960 to $3655.

Posted by
Kimberly Ann
on
In my current home, Wells Fargo was my 1st and 2nd 30 year fixed mortgages at higher interest rates from 2008, when the market dropped my home value in HALF from $625,000.00 to $330,000.00....only 2 months after I closed on my home in January 2008. Wells Fargo used their own appraiser. The appraiser must have seen this price reduction coming. As soon as the appraisal was in, I was told I had to close immediately because my Wells Fargo Home Loan program was being dissolved. My loan paperwork was not even finished. I was told to sign all blank application documents because the loan officer would have her assistant fill all in from my tax returns and I could sign them at the closing. I trusted the loan officer lady. I also had another 'owner occupant' home I was living in, a very expensive home with a B of A, later sold to Countrywide Loans. There was a Washington Mutual HELOC. I was a fool to close and still have my other home too. Though we did have a buyer, a week after closing this home, my original home buyer could not close. I was so upset. Now, I was stuck with 2 homes and huge mortgages. I was in tears and mental turmoil. If only I had not listened to the loan officer. I lost the other home that was on the market 4 more years and 4 different buyers, all wanting to buy the 1st home, but the value kept dropping and dropping till 2012.... B of A refused to Short Sale my original home all 4 years, even though each buyer was offering the current values. This collapse effected my credit drastically. Not being able to make the high payments was horrible for me. I never missed a bill payment in my life. I finally gave the keys to B of A, who gave me $2,000.00. I had 280K in upgrades in my 1st home!! During this time, I tried to modified the new home in 2010 again through Wells Fargo, taking 1 year and 1/2 years to close the modification in 2012. They combined the 1st and told me the 2nd was no longer due giving me a new mortgage at $330,000.00 current value in 2012. However, they packed on late fee's and a total of $177,000.00 on top of the $330,000.00 making the new amount an extra $177,000.00 at $507,000.00 and a 40 year loan modification. To this day, I have no idea why they added $177,000.00 to the new appraisal of $330,000.00. I was also told if I made my first 24 months on time they would take off $5,000.00 off my principal of $507,000.00. I did make all payments on time and they did not take off any amount in 2014. I was glad to get rid of the original loans, but I have no idea what the $177,000.00 is added on. When I call and ask, I keep getting re-routed to different departments and no answer. If there is a class action lawsuit, I would like to be apart of the consumers hurt by the banking industry. Due to a loan officers sweet face and voice, I trusted her. She ruined my perfect 25 year credit and my entire bank account drastically, all for her commission and possibly a bonus in 2008.

Posted by
Shirlene Best
on
Well Fargo took me through a loan modification and lower my interest rate. I live in my home for 7 years before the modification. Well Fargo took me back to the beginning of my loan, as if I never pay a dime on my home for 7 years. I want to know is this right, do I have a case against Well Fargo.

Posted by
Joyce Council
on
My home went to foreclosure 10 days after a loan modification was approved. The specialist that was helping me said it was not suppose to but the bank Chase and SPS would not rescind the foreclosure. I have been depressed every since and want them to pay for taking my children childhood home. I just got an year end interest statement from mow MT &T. Still harassing me. Please help.

Posted by
winston hebert
on
I have an interest only loan of 6.37% from Wells Fargo

Posted by
joann loffler
on
Wells Fargo forced me into default and then foreclosure. They refused my mortgage payments when I was not a day late since the origination of the property purchase. I was steered into Wells Fargo by deciet,misrepresentation, and dishonest business practices by the realtor,wells fargo agent and even the attorney.
I lived in Florida and was relocating to New York after the 2004 hurricanes destroyed our property and left us with a 200 foot sinkhole under our home. I searched properties in Binghamton area and found what I thought was a decent safe home in a nice neighborhood. It was in 2006,when I purchased our home with a 30 year fixed. My lender was not Wells Fargo. I had arranged a loan with my current lender, Countrywide. Others may have had problems with them but they were fair with me and doing it by the book. I paid a appraiser and inspection. The realtor sent them away stating thus was already done by Wells Fargo. Wells Fargo was not my lender and I did not want to go through Wells Fargo,knowing that this bank had engaged in dishonest business practices from way back. They ripped off my parents after their loan was sold to Wells Fargo on our family home back in the 70's. I contacted Wells Fargo and asked for the aporaisal and inspection to be transfered to my lender and I had no problem paying for this. They refused. I had only 30 days to get this done before I vacate the Florida property and relocate and close on our new home in NY. CW said it would delay the closing without the inspection and appraisal. The realtor said I would lose the new home if I did not close plus my 1000.00 good faith deposit. So now, I am steered into this deal with Wells Fargo. Oh yes, they puffed the terms and BS ed me into this loan. I asked for appraisal several times and was assured it was good and all that. The closing date was delayed anyway so I could have gone through with my original choice but now I am locked in with Welks Fargo. To make this story short! That was the beginning. Turns out,after paying nearly fours years into this loan, I had been fighting WF for the appraisal and inspection since my closing date. I was charged twice for this. I paid 20% down plus all closing cost at the closing. I learn the same closing cost is rolled in the loan. So now I have duplicated closing cost. Then I learn about that inspection and appraisal three months into the loan! Hey, Wells Fargo never did them although they charged me for them, lied about doing them when they did not and now I learn, I over paid for the property and to add, the Deed is defected! I can not refinance, sale or modify this bad loan from Wells Fargo. In spite of this I still made all the payments with hope they would change their bad faith actions and try to make good. Never happened. They filed foreclosure, ROBO signed in 2009. I agreed to modify with promises they would fix the loan. I paid double the amount of my payments on time, 5 times and then they denied me. I was paid 2 grand through the Treasury Board settlement with the right to take legal action for the actual damages from the fraud WF committed against me. Oh yes, they sold my loan to Freddy Mac the day of closing. Freddue Mac forced them to buy back this and many other loans that were defected after they were suit by the Justice system. Of course those billions never did anything for victims. Just made the states wealthy and add the insult to our injuries! To date, Wells Fargo continues to commit the crimes against consumers all over. We can not afford lawyers who want to be paid before they do the job! Who can you trust. Learn the law and go pro se! You will have problems there as well. The court will ignore the pro se victims and run you through the ringer for not being able to afford a lawyer. Legal aid! That is another band aid. So what do you do! Who do you go to! After nearly 7 years of fighting, being ignored, Wells Fargo sold my loan to some investor who buys high risk loans. Another bully deal! After all this, the court decides th grant WF a summary judgement! The court did not care about the fraud or dishonest tactics, the modification fraud, the duplicated closing cost, the TILA violations, nothing! They gave it to WF who had high priced laws who constructed fabricated docs and notes! So now, time for appeals, again without legal services. Does no good to file complaints to Gov. Or AG's. They will get paid and you are still looking for justice and help. I have faith in God but as for our Justice system and Gov! Like many, I want to protest for a better way. Just fed up and next, I would search for away to hold those accountable. From the courts to the banks. Let the march begin. Think we should form a line across the US. Every victim of this should be looking into networking across the country. All class actions shoukd become Federal and each of us take part in everyone of them until we put these criminals out of business.

Posted by
tonya
on
me and my husband was f*cked over by well Fargo and house hold fin and we lost everything to are home had to move in a camper trail lost we lost a lot and sad thing about we had there inc so if one of us got hurt they would help but that was a fat joke .And then 2012 the filed a claim after they went bankruptcy and then paid there self $12.386.00 to there self's and try tell us that we own the house still. And I told them we filed bankruptcy and they said it did not matter, they are all thief in my eyes and I think they should have to repay all of us we I think we all should stand up and start fighting back as .

Posted by
Susan Johnson
on
Something needs to be done about the thousands of crimes perpetuated by Wells Fargo Bank. For most consumers, especially those of us who have experiencd their dirty work first hand. their name has become synonymis with "criminal victimization".How our congressmen, state representatives and the rest of our government officials can stand by and watch this banking institution straight "F__K" all the people who have had their homes stolen by these "THIEVES" leads me to believe that our government has turned their backs on the people and are consciencentley involved in some other issue that we are being kept ignorant of! My mothers home was PAID OFF for 25 years when she reverse mortgaged it with wells fargo reverse mortgage> her home was worth $490,000.00 she reverse mortgaged it for 224,000.00 in 5 years they amassed $64,000.00 dollars in Fees, interest and service charges! $64,000.00 in charges in 5 years on A LOAN SECURED BY HER PROPERTY! Do the math! Then when she passed away gave me 1 year to sell the house, during one of the worst times in HISTORYto sell a house! The property wasn't worth 490,000.00 anymore it had depreciated to $325,000.00 which was still $37,000.00 more than the $288,000.00 that was owed to Wells Fargo reverse mortgage. Boy, that didn't stop those greedy bastards. They foreclosed on me and when they went into foreclosure court they went in as FANNY MAE! Fanny Mae had nothing at all to do with the reverse mortgage between Wells Fargo Reverse Mortgage and Joyce M. Johnson! Their name appears nowhere on any documents concerning my mothers reverse Mortgage with Wells Fargo Bank. There is however a clause on the title to the house which states under line #24 Substitute Trustee that if they have a substitute trustee it is WITHOUT CONVEYANCE OF THE PROPERTY, the succesor Trustee shall succed to all title powers and duties! So how is it that Fanny Mae was able to foreclose on my mothers house? Because they are Thieves and so are Wells Fargo! As well as, the judge who permitted this to happen and I wonder how many other people, LIKE ME got "F--ked" out of $37,000.00 and the home that they were born and brought home to, grew up went through elementry through highschool and college got married and had chikdren, raised their kids and then took care of their dying mother for 15 years in until the day she was holding her hand as she died IN THAT HOUSE _- MY HOME! only to have a low down, thieving banking institution STEAL it from me at the worst period of time in my life. Throwing me and 5 cats and a bird out in the street without so much as a dime in assistance when they owed me $37,000.00 dollars. Wells Fargo Bank has a special place in Hell reserved for them, I'd spit on them but it would take a least an hour bedore it hit them the dirty low down b__tards. They deserve to ROT in HELL!

Posted by
CHARLES AND DONNA FREEMAN
on
IN 2007 WELLS FARGO FORCLOSED ON OUR HOME. EVERYTIME WE WERE GIVEN A MODIFICATION WE PAID ON TIME. THEY STILL FORCLOSED. WE LOST 250K AND WERE HOMELESS. WELLS FARGO IS CRIMINAL. PLEASE GOVERNMENT DO SOMETHING TO HELP YOUR U.S. CITIZENS. WE ARE THE BACKBONE TO THIS COUNTRY. STOP SCREWING US OVER.! IT ALL STARTED WITH FREMONT INVESTMENT AND LOAN. THEY SOLD OUR LOAN TO WELLS FARGO. THAT WAS ALWAYS THEIR INTENTION. ITS ALL A SCAM. SOMEONE DO SOMETHING. I WANT TO BE PART OF A CLASS ACTION LAW SUIT TO SUE THESE BIG BANKS THAT ARE RUINING OUR COUNTRY!

Posted by
Louise Green
on
Wells Fargo has not been truthful in what they pretended they would do to help me. Many issues with this property started back about three years ago. However, a year ago I asked for a loan modification because the interest rate is 7.5% and have been paying the minimum amount. Therefore, with nothing being applied to reduce the principal, the total loan amount has skyrocketed to more than the value of the property. This loan was originally a World Savings loan; then a Wachovia loan and lastly Wells Fargo loan. I was told that the property (a rental) had to be occupied before considering loan modification. The previous tenant had trashed the rental and disappeared in the night and no one knew where this tenant had gone. This tenant was a friend of my daughter and owed a high amount of past due rental payments. It took me about 6 months to repair the damages and find another tenant. Once this was completed, I informed Well Fargo that the property is now occupied. I received the loan modification papers to complete. Wells Fargo put me through "Hell and High Water" in completing all the requested information in addition to having me correct or change what they said they needed. Finally after about a month, I was sent a denial of loan modification stating it was not a hardship and I could afford to pay it. They had also performed an appraisal of the property stating it was valued at $134,000.00. If the value of the property is less that the amount of the loan, how can this not be a hardship? I talked to several entities to find out what I could do at this point. I can't refinance because of the value and yet I cannot afford to pay the full amount which includes principal and interest. I am still seeking advice as to what can be done.

Posted by
Lisa Pearce
on
Wells Fargo pretended to work with my family while I was ill in doing a loan modification. Although we had proof that we could pay and just needed the modification, they continued to request duplicate information for eight+ months right up to the day of trustee sale misleading our family into believing they were working with us. Even when I was approved for disability compensation they proceeded with foreclosure in Texas. Please help!

Posted by
Mary Zollo
on
They forced us into a short sale and excepted $100,00. For our house but kept setting up road blocks when we tried to refinance in 2011. Our mortgage was 269,000. At the time. There's more to this story.

Posted by
Maryland
on
My husband and I were denied twice for a loan modification. I am out of work, have been for five months. I try to work with Wells Fargo, they do not want to listen.

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