Wells Fargo Home Mortgage , nvestigator Ann Dawson Wells Fargo Investigation is all about lies!!!! De Moines, Alaska
Let me start out first of all,
I did the loan modification to lower my payments and remove my ex-husband, which the modification department told me it could happen. I received a letter stating I was approved for the request I had made. Next my divorce degree does not award me the home unless my ex-husband is removed from the loan! Obviously, Wells Fargo needs to look at my divorce degree a little closure because it states that in the degree. It doesnt just state that but it also states I will have to put my home on the market, if I am reported late or I cant remove his name! Secondly, when they as in Wells Fargo Loss Mitigation told me I could remove his name with this process I filled out the paperwork and sent it off. Why would I lower my payment get charged 7000.00-8000.00, if I could keep my home! Obviously, Wells Fargo doesnt want to admit they messed up not only with telling me they would remove his name but also approving the modification without looking at the divorce degree. Once I was approved I just assumed his name was removed! I have made my payment On Time as Wells Fargo has ask of me! Why would I go through all of this and then have to pay 4000.00 dollars more to remove his name! Wells Fargo has not only affecting my life with my job, credit, mentally, and physical but the act like they are not at fault! This has affected my kids not knowing if they will have a place to live, that they call their home! I want my ex-husband removed off the loan do you really think my ex-husband would of agree to raising the loan amount and making a loan long! How would that benefit him or me if I cant keep the home. Next, I have my credit report since all this has transpired, Original Copies! of Wells Fargo reporting it late. What happened with the interest within the mysterious account my payments were held in! Did my money go to late fees? Next, The Assumption Department denied me not once by twice With a Co-Signer with Credit. for three reasons not two, which I have, the email stating that! Funny how Wells Fargo investigated it but only came up with two reasons! How much more lies can Wells Fargo transpire with this account. You guys, Wells Fargo told me I could remove my ex-husband live up to what you stated!
See Example:
From: emmie.morgan@wellsfargo.com [mailto:emmie.morgan@wellsfargo.com]
Sent: Wednesday, April 13, 2011 10:59 AM
To: Sxxxxxxx, Christie
Subject: RE:
Hi Christie,
There are lates reporting with Wells Fargo in 12/2009, 1/2010 and 2/2010.
Thank you,
Emmie Morgan
Loan Document Specialist
Wells Fargo Home Mortgage | 1500 West Benson Blvd. | Anchorage, Alaska 99503
MAC#K3214-043
Tel 800-340-0570 ext. 5337 | Fax 866-348-5564
emmie.morgan@wellsfargo.com
From: Sxxxxx, Christie [mailto:christie.sylvester@pnl.gov]
Sent: Wednesday, April 13, 2011 9:58 AM
To: Morgan, Emmie
Subject: RE:
What exactly does poor performance mean?
From: emmie.morgan@wellsfargo.com [mailto:emmie.morgan@wellsfargo.com]
Sent: Wednesday, April 13, 2011 10:54 AM
To: Sxxxxx, Christie
Subject: RE:
Hi Christie,
I did receive notification that the assumption has not been approved at this time. This is due to:
1) Credit score does not meet minimum program requirement
2) Garnishment, attachment, foreclosure, repossession, collection action, or judgment
3) Poor credit performance with us.
Im sorry that we were unable to complete the assumption for you at this time. I hope the loan officer was able to assist you.
A letter has been sent to you regarding the denial.
Sincerely,
Emmie Morgan
Loan Document Specialist
Wells Fargo Home Mortgage | 1500 West Benson Blvd. | Anchorage, Alaska 99503
MAC#K3214-043
Tel 800-340-0570 ext. 5337 | Fax 866-348-5564
emmie.morgan@wellsfargo.com
Next, Assumption department also told my about Refi-Streamline without using my credit! Guess what they are look at my loan, but guess what has happen now I didnt qualify for it because I am not FHA! Another false information they have giving me, Emmie Morgan Respective OF WELLS FARGO you gave me that false information!
Oh, dont let me forget Clearwater Wells Fargo Home Mortgage, Stating there is a BIG GAP in there system. They stated most people after a mod dont refi so NO ONE KNOWS!
How the investigator at Wells Fargo,
On April 22, 2011 Ann Dawson contacted me at PNNL at 1:21 PM, explained she completed the investigation and she wanted me to read over it thoroughly and then give her a call back and she would go over it with me. She talked to me about my credit and I explained to her no one knows when I was late on stated Feb, March, and April was the 1-800 line, assumption stated, Loss Mitigation, and Kennewick Wells Fargo mortgage off of Clearwater doesnt know how to read the credit report. She asked, if I pulled my report and I said yes Equifax and Experian and I am disputing it.
She repeated herself about looking at what she sent me and then calling her to go over the information. I say ok and thank you.
Wells Fargo investigator!
This is my Letter from Wells Fargo as of 04/26/2011 from BBB!
April 22, 2011
Laura Chavez
Better Business Bureau
505 Fifth Avenue Suite 950
Des Moines, IA 50309-2375
Dear Laura Chavez:
RE: Jamie Munoz and Christie S. Sylvester (Munoz)
Loan Number 708-0134286764 Letter and fake modification paperwork sent to me via BBB and mail!
Now let me also add they have the wrong paperwork! The mortification is not the right one. It is not the one I signed nor is the information accurate!
Can Wells Fargo just accept they messed up with paperwork, signing, lied to me about removing his name, didnt give me correct information, changed me fees and 8000.00 for a modification that doesnt help me at all, and NOW HAS LOST THE CORRECT MODIFICATION PAPERWORK!
1 Updates & Rebuttals
Christie Sylvester
richland,Washington,
United States of America
Other letter for Wells Fargo stating nothing!
#2Author of original report
Tue, June 07, 2011
Well I have just got another letter from wells Fargo not resolving the issue. First of all they told me they would remove my ex name and lower the payment. That is why again I did the mortification. Now having said that, they keep sending me the same stuff beside now they sent me my payment history from 3/2009! They did not explain where the 8000.00 dollars when to nothing (just reappeared on the end of the loan). They don't state they get kick backs for give the mortifications (HAMP). They lied and messed up and they don't want to admit it. Secondly, the modification program STATES through their web site "THE ONLY ONE THAT CAN SIGN IS THE BORROWER NOT A CO-BORROWER). My ex had no knowledge of this modification and HE WAS THE BORROWER. Thirdly, the fees don't add up and 1700 to 8000 is a big difference! Why can't Wells Fargo just do the right thing instead of hiding through letter rewrote by other Wells Fargo people stating the same thing. I need this resolve instead of them dragging their feet. I also don't like their threats within the letters they are sending me and the lies. They are making it hard for my kids and me to live our lives. This has caused my whole family hardship just because they messed up. My house is on the market because I trusted what WELLS FARGO Employee. I have done everything they have asked, but still they proceed to lies, cover up, and state nothing to resolve the situation. I now going to court with my ex to explain Wells Fargo lie and took 8000.00 from the house. This has been chaos because I didn't think a bank would lie so much and cover up so much. I will be getting my entire factual document together from wells Fargo and mine and sending a copy to OCC. This has gone on long enough Wells Fargo you have turned my whole life up with credit, home, work, and personnel life!