Submitted to LoanWorkout by a Wachovia/Wellls Fargo borrower:I would like to explain the situation re: Wachovia Mortgage Co. Approximately one year ago I was approached by a real estate person that Wachovia had hired to see if they could help me with my mortgage. She was from Century 21 . She was very helpful and instructed me on what I needed to do to apply for the Loan Modification Program. We went thru the interview (approximately 45 minutes). They asked for several documents, 23 pages to be exact. I submitted the documents they requested and they repeatedly called me and asked me to submit again some of the documents they claimed they hadn’t received (I faxed all the documents to them). Fax. 1800-313-0892.
I received numerous calls asking again for documents I had already faxed to them. I resent the documents. Again, they called me numerous times asking for documents they claimed they didn’t receive. After about 3 months, as they said it would take some time for review, I called, they said oh that expired. I was aghast. They said I could start the process again. This happened 3 times, due to them repeatedly asking for my husband’s wage statements when had they written info down that I gave to them he passed away in 2006. They would say “oh I am sorry for your loss”.
In addition to that they would ask me for my wage statements. I repeatedly told them I was retired and that I was 67 years old. After approx. one year, which was March of this year , I was told now that I wasn’t approved due to my house being rented out and didn’t qualify. They knew all the time that this was the case as they would ask me (every call made to them or their numerous calls to me I would state my property address, mailing address, social security number, loan number, phone number and do they have the permission to do automatically-dialed calls to my phone number? . I said yes. Needless to say I could repeat this verbatim.
Now at this point they said there is another program called the MAP Program (an in-house program). They took the information, and three weeks ago I received notice that I was approved and that they would be sending me the new documents. Well last Wednesday 3/31 I called to tell Wachovia (1888-565-1422) I hadn’t received them .Spoke with a Randy; he told me that it was sent out UPS, and that if I didn’t receive it by Friday April 2, to call Wachovia (as it was due back on 4 April). I called back on Friday and of course wasn’t able to talk to Randy but then got another girl and she said oh it was sent out by regular mail; we got cut off so called back and got yet another girl Sasha who said it was sent out by UPS but didn’t have the tracking number. However, when I received it should be by the next day, to send back at least the “documents” as it was due by 4 April. I called the next day now Saturday and now got a person by the name of Christina Gonzalez who incidentally was rude, and condescending, and proceeded to tell me it actually wasn’t UPS, or it wasn’t sent out by regular mail, but was in fact emailed. She stated that the notes said I requested documents to be sent out email. I told her I didn’t care what her notes said, . I absolutely did not request it to be emailed, for I know when I receive paper work I want to be able to sign for it as proof. I asked her when was it emailed she said 24th or the 25th; I said which is it. She said the 25th. I went to my email and didn’t see anything from Wachovia. I don’t open any email that I don’t recognize the address. She wouldn’t believe me. And said didn’t matter I needed to go to the bank at 1000 N. H Street (we don’t have a Wachovia here) and in addition to that that was the wrong information she gave me for there is no Wells Fargo on 1000 N. H Street. This is just another indication of the repeated wrong information I had received all along. She was so rude that I did not want to continue the conversation and graciously said thank you and closed off.
I then called back and got another girl who , who told me that she didn’t know the UPS #. I called again on Saturday and was connected to a Ramon. Told me that it said it was emailed and that I should look under “Tech” something. I went to my computer and looked back on the 25th and looked for the address “text” on that day . I did find it and told him to hold on while I read it. I also said to him that one of the persons I had talked to said I qualified for an 18% reduction of my mortgage and that everything would be brought up-to-date. I told him I didn’t see anything like that in my paper work; all that was there was the letter stating what my payment would be another form for me to sign for “automatic withdrawal from my checking account and then one more page that had a list of interest rates. There wasn’t any paper work to address the requirements or what the contract entailed. Told him I couldn’t sign anything like that that was not a complete package. .
Ramon went back and researched and said they in fact Wachovia had failed to send out page 1 of 2 that explained the agreement. He told me that they were trying to get some information from a supervisor and someone that could email this out again; (I never have requested from anyone important documents like this by email, but Wachovia was giving me no choice now as they said it had to be returned by April 4.) . I was on hold for over 45 minutes back and forth. He was very gracious and said he would send out new paperwork by email. As he came back to the phone, and this happened about 4 times for me to hold on as he was trying to get a supervisor to find someone to send or email the paper work; he apologized and said there wasn’t anyone in that could email paperwork as that department wasn’t there on Saturday. He would make a note for the department that is responsible for sending the documents by email to email it out Monday morning. Told me to watch for it and Federal Express back to Wachovia on Monday so they would receive it on Tuesday 6 April (today). I expressed concern about the deadline of 4 April 2010. He instructed me to send it back Fed. Express. Interesting since the bank takes all the time in the world and “mistake upon mistake, emails it out the “cheapest way they can” and then want me to pay the Federal Express One-Day Charge, but agreed I would do that.
Again, the package didn’t come in my email, or any other way on Monday morning or all day. I finally called in the morning (as I had to drive my 90-year old Mother home 50 miles away) When I returned at three-o-clock, I called and notified them I still didn’t have it. Now I was connected to a man name Joe. He said “oh that department has gone home and there wasn’t anyone available to email the paperwork and for me to call on on Tuesday, today. I did that and now got Michelle Aquilar who incidentally was very helpful…
Told her I had repeated this story so many times, could I possibly talk to a supervisor, she turns me over to a Desiree Flowers. She was less than helpful.
Ms. Flowers told me it didn’t matter If I had opened my email when they sent it to me (even tho the email address was no t from Wachovia and no one explained to me that it would be sent out email for I never requested email in the first place) l I would have been able to return it to them by 4 April. I explained to her above that I don’t open my email from addresses I don’t know who they are and that I, emphatically, did not request it to be sent by email. I reiterated to her that from all the mistakes that were made on a continual basis, that obviously that was just another one. She said I’m sorry I cannot do anything about this. It has expired. I said you people didn’t send out a whole package. You didn’t have Page 1 of 2 which “Ramon confirmed She absolutely would not listen to me and said it had expired and that they didn’t offer that program anymore. I proceeded to tell her that I was less than satisfied and did not think she or Wachovia was being reasonable or fair in their process. I said this whole process was earmarked “Incompetent from the start to finish”. She said “I am not incompetent”. But it screams “Incompetence” to me and to the many persons I have talked to about this whole scenario. I cannot help but think Wachovia does this type of prolonging and making the continual mistakes intentionally.
I could see she didn’t have any intention of helping me or assisting in any way, just kept repeating that it expired on 4 April. I advised her that I was going to call the TV Station and fax and/or write to my Congressman and Senator.
I also have seen websites where people have written in about their experience with Wachovia in the loan modification process and let me tell you it isn’t in the majority of positiveness.
This is very serious for me as it is a matter of losing my home That may not mean a great deal to Wachovia, but it means a lot to me. I am a widow and this home will sustain me for my retirement. I am 67 years old and am retired as of 2006,when my Manager laid be off 6 weeks before my husband passed away from terminal lung cancer.
I would appreciate “higher management” looking into this and reinstating this offer.
Thank you for your time.
Employees I have spoken to since 31 March 2010 regarding this modification.
Randy, Sasha, Christina Gonzales, Ramon, Joe, Michelle Aquilar, Desiree Flowers
I went through a very similar thing, except I did not get as far as receiving any modification or documents. I finally did call my Congressman’s office and let me tell you it makes alot of difference in the way you get treated. Give it a try.
The same idential situation had happened to me and my husband in which we’ve tried numerous times to discuss our Modification with
Wachovia.Lender keeps insisting we don’t qualify,even after my husband has repeatedly summited proper documents time after time.
My husband lost first job,due to nervousness.Had to find another quickly,again summited new documents all over again.After he sent
“all the proper documents,” then Wachovia asks for 4506T in which we faxed out to them @ 1-800-313-0892 immediately.Then,after receiving the 4506T,Wachovia informed us that the 4506T was faxed
too late and now we don’t qualify Modification.But again,we can re-apply for the program,and they stated “do not send any pymts.” due
to the fact it will “ruin the modification.”Spoke to numerouse reps.
regarding this issue as the woman who lost her husband.The Lender
continously looks for excuses because one rep.doesn’t know what the other rep.is doing.Our Government needs to resolve this issue.
OMG!! I have been going through loan modification with Wachovia since Sept of 2009.. Same scenario. I am amazed.. Can we all get together? I was told April 5th that my loan had expired for the 5 th time.. I had just been told 1 week prior that my loan was at the deal desk with the underwriters.. They said they never received the appraisal and there was nothing they could do..
ATTENTION … WACHOVIA loan holders …. the endless stories of deception, repeated delays (didn’t received docs, need current docs, waiting for appraisal) and of representatives who tell you contradicting stories — THEN your file gets closed due to “EXPIRING.” I’m on my 3rd loan modification which began in 7/09. It went from the appraisal FINALLY getting done – to underwriting – then a letter stating my file had expired and nothing could be done. Just 6 months prior to that, they tacked $750 on a reinstatement just minutes before funds were wired, for an appraisal saying they “forgot” to add it before. Ya right. Why did I need another appraisal? I have plenty of equity in my home. The truth? There never was a 2nd appraisal – that was just a delay tactic to bury me further in back payments. There are enough horror stories out there for a class action – I have read countless versions that are almost identical to mine own. Send your story to TeaminUp@live.com and let’s get out from underneath Wachovia and their deceptive practices.
I have been working on a loan modification since July 2009. I am now tired. Submitted information about 6 times. I still do not believe they are going to give me a modification. You do not want to go thru the modification process with wachovia. Just submitted more paper work today 06/29/2010 and will get a response in two weeks and I have no hope….
I have submitted (3) loan modifications, in a 1 year period. Denied all (3) attempts. Docs never recieved, lost, expired, and other BS excuse! Wachovia is a crooked, unorganized, mess of a company in the mitigation dept. Now, I am losing my house. I will never do business with this Company again!
Sincerely,
Married guy with (2) young girls
Wow, this is deja vu,
I have been working on a loan modification since July 2009. I am now so tired of it all. Submitted information about 3 times. I still do not believe they are going to give me a modification. You do not want to go thru the modification process with wachovia.
Read the first ladys story and mine is almost exactly the same with some of the same people.
Same story EXACTLY as the first lady, except my mother is the one who went through all of this. She firmly believed that they didn’t want to take her home until we received the Notice of Trustee Sale. The home is set to be auctioned on Sept. 27, 2010. She spoke with Randy in foreclosures numerous times, and even paid the reinstatement fee, but it was “mistakenly” placed in a suspense account. When she asked Rose DeLeon in loss Mitigation where the money was in March, she was tranferred to a man who told her that she would have to send a request for information to them, and that she would not be considered for the HAMP program until the payment dispute was resolved. He stated that it would take from 60 to 90 days. She sent the letter, and never received a response, but they did post the Trustee’s Sale and now are refusing to allow her to apply for the HAMP mod, nor will they tell us where the funds are. They will not allow me to speak with Randy, and have told me that this loan is not eligible for escalation. Nor will they postpone the sell date, which is now 6 days away. I plan on calling my congressman, and hope that it will help, but have also contacted Legal Aid. If necessary, I will help her file bankruptcy if it will help her save her home. She is on SS, and disability and this has really caused her to mistrust anyone. I feel horrible, she should never have been placed in an option ARM, she didn’t understand it, and is still not understanding that they ARE going to foreclose. Any help on this would be greatly appreciated. They are crooks and liars.
Wow, just starting a modifcation and found this extremely interesting ! So much so that I called my Wachovia rep and let him know how bad this makes them look. He said they are cleaning things up ! Good luck everyone, and I’ll let you know how my request goes !
My mother and I have also gone through many departmental transfers between Wachovia and Wells Fargo. Every few weeks a representative from Wells Fargo keeps asking for more paperwork, of which we have to personally write letters regarding our job titles and salary. I do not understand why they need us to write such letters if they have all our salary statements for the past several months which are proof of where we work and how much we make. What angered us most of all was that the representative did not warn us about a deadline for 10/31/10 in time. She called on a Friday 10/29/10 before this Sunday asking for so much extra paperwork that cannot be completed this weekend (Halloween Day, in which many Wachovia and Wells Fargo workers are not working!.) Wachovia also keeps sending repetitive letters that do not mention anything about or home status and twice already, the envelopes were not sealed shut! (New envelopes, unsealed) The letters also do not mention what specific documentation we need to provide! It is as though they want us to lose our letters in the mail and not be able to send the right paperwork on time. My family is already sick of it. We are going to continue with providing all paperwork until the day Wachovia decides to take our home. I know that contacting representatives from both banks and researching their websites for information all prove to be in vain, but Wells Fargo and Wachovia will not be able to point the finger and say it was my family’s incompetence in sending paperwork that disqualified us!
Wells Fargo/Wachovia is acting a bully on my mortgage by scheduling a Trustee sale on July 7
amount of default recorded March 16 2011 $4,677 (four thousand six hundred seventy seven)
loan amount as of Feb 16 2011 including arrears $73,447 (seventy three thousand four hundred forty seven)
date of loan Feb 1997 from World Savings (became Wachovia, now Wells Fargo) interest 8.6% payment $776.02 per month
no second loan or lien
all taxes & insurance are paid current
property location: Northern California Bay area
on Oct 2010 I got ill & got behind in my mortgage
I tried to apply for HAMP & was told by Wachovia that disability do not qualify as income
told them that Social Security retirement will start May 25 2011
Wachovia said I could apply May 25 2011 which I did
then was told that HAMP needed two Social Security payments which I will receive on June 25
then if not approved I have 30 days to review disapproval that would no earlier than July 25
but the Trustee Sale is on July 7th
I wrote several letters already to Wachovia, but no response Trustee sale is not cancelled
I was told by someone who checked the value online that property is $181K
I do not have other credit problem as I do not have any credit cards @ all for 10 yrs now since I learned my lessons when I was disabled for 5 yrs
also I do not have any installment loan, my old car does not even work
@ this point I don’t know how to make Wachovia grant postponement of the Trustee Sale on July 7
also was reading timeline for foreclosure & think that scheduling foreclosure before 6/16 is premature when the default was recorded 3/16
Sincerely,
Maria