URGENT! I NEED DOERS RIGHT NOW!
by Mandelman
This is the story of Patricia Martin, 65 years old, disabled by a crippling back injury, after suffering a stroke and a heart attack, now with a heart function approximately 35 percent of normal. This is a woman who owned her home since purchasing it with her late husband in 1968.
Not a home of great value to anyone but her. The home in which she and her husband raised their children. And the home in which today, she resides along with her daughter, son-in-law and grandson. The home that has been the centerpiece of her life for 44 years.
Yes, Patricia Martin, despite the challenges of her health, was blessed with a close family who love her and she them. And as I think of her, all I can imagine is that her memories of all the years in that house must mean everything to her.
And yet tomorrow morning, Wells Fargo Bank wants her EVICTED.
You see, after a year and a half of deceiving and abusing her, Wells finally won when last November they foreclosed on the Option ARM mortgage some predatory jackass sold her on back in 2005, and bought her house at the trustee sale she didn’t know would take place. Wells wore her down and finally beat her, it wasn’t easy… it took half dozen bank employees well over a year to do it, but they finally did.
People like Wells Fargo’s own… Alfonzo Martinez, who Patricia Martin describes as always being abusive, unprofessional and condescending. And as I’m typing those words, I can’t help but wonder what you have to do to get a 65 year-old grandmother to think that about you.
I guess the reality is that maybe I’ll never understand this sort of thing… how it ends up coming to my desk at this point… how it is that there wouldn’t be a dozen or more people at Wells Fargo Bank chasing this 65 year-old woman around, trying to apologize, offering to make things right… asking for forgiveness. How can that not be the case?
Is it part of the corporate culture at Wells to be callous and unfeeling… to shun responsibility, to be able to act with impunity even when doing things that others would consider unconscionable. Who raised these people?
I have to say that this sort of thing reflects very badly on you, CEO John Stumpf… and your senior management team, of course. But you more than the others, for it is you with whom the buck stops, does it not? And I say that because I was the CEO of my own firm for some 20 years, and were someone to have told me a story such that I’m about to tell, about my own company… well, I simply cannot even imagine it.
First of all, let me introduce you to the stars of our tragic tale: besides Alfonzo Martinez we have Amy Leffert, Shelly Melaine, Samuel Biasa who looked over the entire account, Ray Serrano in the Office of the Presidency at Wells Fargo Bank, and NDEX West, as our Foreclosure Trustee, who told Patricia Martin…
“Wells isn’t offering you a repayment option, they don’t want your money, they want your property and that’s all there is to it.”
Wells Fargo turned down Patricia Martin’s application for a loan modification because they said she had failed the NPV test… but they had run the test using a property value of $370,000. Trish Salem, who was helping Patricia, was insistent that her home was worth $301,000, and Wells agreed to re-run the test again using the lower property value. They ran it again, but with the same $370,000 property value. Why? Well, that’s easy… because they are a collection of unfeeling and incompetent idiots, that’s why.
It all started on September 26, 2010 when Patricia became quite ill and so her daughter went into the branch to make two mortgage payments, one for August and one for September, and was told she didn’t have to pay the late fees at that time, they could be paid later… the late fee was $83.41 for each of the two months. She paid the two payments by check in the amount of $3238.30.
It would be those late fees that would ultimately be what would lead to her undoing. And that’s why I say Wells Fargo can’t be trusted, because that should be impossible. Late fees, whether you pay them or not, should never be capable of causing you to go down a path to losing your house.
In October Patricia and her family had to make some expensive repairs to the home’s heating system, so it wasn’t until mid November that Patricia’s daughter called Wells to explain why the October payment wasn’t made and to say that both October and November would be made shortly.
That was the fateful day when the Wells Fargo suggested that Patricia Martin apply for a “Map 2” loan modification.
It was Amy Laffert that took down Patricia’s information, telling her, “you qualify” and stating that Particia would be “ahead of the game,” because her late payments would be folded into the modified loan.
The file was assigned to Shellie Melaine, and that was when she was told that something was amiss. Shellie said that half of the payment that had been made in September had not been applied. Patricia’s daughter later called and asked to have the missing payment rectified.
Little did she know that she would soon be getting a letter saying the loan was in default and that she would have to come up with $4829.96 by November 30th, to bring it current.
The amount could not be right, there were only two payments due.
It’s like a Hitchcock movie, isn’t it? I get chills as I’m writing it. Do you see where the twist is coming from… it’s the September payment, the late fees… they took them anyway after saying she didn’t have to pay them… I want to scream… NO, PATRICIA, STOP… but she had no idea what was going on, and Wells certainly didn’t explain anything about it to her.
But it still could have worked out okay, had Wells just accepted her two payments and brought the loan current, and this information was confirmed by Ray Serrano in the Office of the President at wells Fargo. Patricia could have made the two payments, and she only owed the two payments, but wells saw three payments as being due… they were wrong, but they’re never wrong to them.
She sent in a copy of the check for the two payments. They received it and said the matter would be corrected. But it wasn’t corrected. She called again, they said it would be corrected and they would reverse all changes and fees… blah, blah, blah… they did nothing.
Again, and again… same thing, same thing. At this point Wells is torturing this woman.
So, this goes on and on… do I have to tell it all? Good Lord, Wells Fargo and specifically to you CEO John Stumpf… why do you put people through this process? Get off your private jet and go spend the day in the loan modification department.
So, yeah… the Map 2 modification was denied because of insufficient documents. But we all know there were no insufficient documents, because next Wells Fargo, in a letter dated January 31, 2011, the bank invited Ms. Martin to apply for a HAMP modification and why would they do that? Does HAMP require LESS SUFFICIENT DOCUMENTS? You guys at Wells don’t even make sense about half the time.
And if I have trouble keeping tract of your nonsense, imagine how Patricia was handling it, especially when in the middle of all this, December 10, 2010, she had to have major back surgery.
All the documents were promptly submitted to Alfonzo Martinez, the designated agent of Wells Fargo Bank… and this is the second time I’ve bumped into Mr. Martinez and heard how awful he is. How can he not be fired by now?
Memo to Alfonso… Dude, you’re really starting to bother me. Chose another career, do the right thing… you don’t want me annoyed with you. I’ve had a tough three years, I’m cranky and I love to stick up for grandmothers. Trust me, it’s not worth it. Have you considered the Armed Forces?
According to Patricia’s lawyer…
“Mr. Martinez was unprofessional in his job. He repeatedly requested documents which had already been submitted, threatened to close the modification request if he did not get documents he had not previously requested, repeatedly asked for new RMAs although a number already had been submitted, and demanded that Ms. Martin submit RMAs with sections in blank which he would fill in.
It appears that for a period of several months from February 1, 2011 to May of 2011, Alfonso he never did complete the package and send it to underwriting, rather, he required at least three different new loan mod submissions.”
At one point in the clusterf#@k of a process, Samuel Biasa stepped in to look over the entire account and, having seen that all documents were in fact there, admitted that he didn‘t know why Alfonzo had not submitted them to underwriting. So, Mr. Biasa submitted the paperwork himself to Wells underwriting and for a short time, things were looking up.
When Alfonso came back and saw that Samuel Biasa had submitted Patricia’s file, Patricia says that he became “very abusive, unprofessional and condescending” towards both Patricia and her daughter.
Then the HAMP modification came through… DENIED. Can you guess why… insufficient documents again? Sure why not? The bank would still not accept her payments… she was told the system was being whatever and who cares.
Then she was denied for HAMP again. This time for the NPV… with the $370,000 valuation, that they just couldn’t seem to ever change… but it’s funny because HOW MUCH DO YOU SUPPOSE WELLS PAID FOR PATRICIA’S HOME AT THE AUCTION… $298,000.
By the time the system got put right, there was too much IN LATE FEES AND OTHER CHARGES FOR HER TO PAY IT IN ONE LUMP SUM.
As her sale date approached she tried filing a lawsuit, but botched it completely. She finally called Mark Zanides, an attorney who I happen to know quite well. And although Mark knew it would be a difficult case, he couldn’t leave her alone facing eviction.
He told me about Patricia’s story and I couldn’t leave her alone either.
And I have the feeling that my DOERS WON’T let her get evicted either…
IS THAT RIGHT, DOERS?
Wells Fargo… let me be clear about this because time is short. Particia Martin is scheduled for UD Court tomorrow. So, you have some law firm, some unsuspecting foreclosure mill, no doubt… and you should call and cancel them. It looks like NDEX WEST. You should see what’s happened here and if it can be fixed… you should do the right thing and fix it.
This is a predatory piece of garbage World Savings/Wachovia loan sold to a senior.
I had this sort of situation with Bank of America a few weeks ago and they got the house back from a third party. You bought this one yourself. So, you can give it back no problem. She can make her payments, good Lord, she was trying to make her payments to you all damn year when you wouldn’t take them because of some stupid $80 late fee.
Don’t make me go any further here, I take no pleasure in this. Bank of America has been wonderful to work with and you should follow their lead. I’m hearing all sorts of terrible things about Wells lately. You don’t want to take Bank of America’s place in the shooting gallery, do you?
Come on, let’s save Patricia’s home for her… and for her daughter and son-in-law… and for her grandson. It’ll feel good to do the right thing.
Mandelman out.
# # #
Chairman of the Board, President, CEO: John.G.Stumpf@wellsfargo.com
~~~~
John Stumpf (415) 396-7018
john.g.stumpf@wellsfargo.com
CEO: John G. Stumpf
420 Montgomery St.
San Francisco, CA 94163
1-866-878-5865
~~~
Howard.I.Atkins@wellsfargo.com
James.M.Strother@wellsfargo.com
David.M.Carroll@wellsfargo.com
patricia.r.callahan@wellsfargo.com
Carrie.L.Tolstedt@wellsfargo.com
BoardCommunications@wellsfargo.com
sharon.cecil@wellsfargo.com
Todd.M.Boothroyd@wellsfargo.com
john.g.stumpf@wellsfargo.com
cara.heiden@wellsfargo.com
denise.erickson@wellsfargo.com
cara.k.heiden@wellsfargo.com
mary.coffin@wellsfargo.com
BoardCommunications@wellsfargo.com
Wells Fargo please contact Patricia’s Attorney ASAP!
Mark Zanides, Attorney at Law
415-624-4475
HOMEOWNER:
Patricia Martin
Loan #: 0040638090
~
Alright, that does it…! AMERICAS BELL IS RUNG…!! They are taking advantage and preying on the weak…therefore…IT IS UP TO THE STRONG TO TAKE CARE OF THE WEAK…! ….It is time for the ATTORNEYS to TAKE CARE OF BUSINESS AND TAKE CARE OF THESE PEOPLE……and I don’t mean loan mods or refis of massive insolvent..unsustainable debt fraud COMMITTED BY THESE EVIL CROOKS…….I MEAN QUIET TITLE SUITS…CLEARING TITLE FOR THESE FOLKS…BECA– USE THAT IS THE RIGHT THING TO DO…..AND BESIDES….OUR HOMES ARE ALL PAID FOR FREE AND CLEAR BECA– USE OF THE MASSIVE ORIGINATION FRAUD COMMITTED BY THESE CRIMINALS……..TIME TO DO THE RIGHT THING BY THE AMERICAN PEOPLE AND THRREFORE THE RIGHT THING BY AMERICA….THIS LAND IS YOUR LAND, THIS LAND IS MY LAND AND ALL THAT AMERICAN PATRIOT KIND OF STUFF…TIME FOR SOME REAL AMERICAN PATRIOTISM….TIME TO PUT ALL OF THESE CROOKS AND THIEVES IN THEIR PLACE…AND SHOW WHO REALLY OWNS THIS PLACE…..THE U.S.A……WE THE PEOPLE DO….!!! .TIME FOR A REAL REALITY CHECK, RIGHT HERE, RIGHT NOW……IN THE LAND OF THE OF THE FREE AND THE HOME OF THE BRAVE…AKA….THE PEOPLES HO– USE….AKA…..THE UNITED STATES OF AMERICA……GOD BLESS AMERICA….LAND THAT I LOVE…..LETS ALL, STAND BESIDE HER, AND GUIDE HER….AND DO THE RIGHT THING BY HER, FOR THE SAKE OF HUMANITY AND THE LOVE OF GOD, FREEDOM, INDEPENDENCE, TRUTH, PROSPERTY, LIBERTY, JUSTICE…AKA….THE AMERICAN WAY AKA GODS WAY… !
Victim want to warn Americans about the devious ways that the banks are trying to take your house. This is a national epidemic which is out of control, and spreading throughout the United States. It has to be stopped immediately!! Please everyone we have a crisis with these BANKS. LET’S ALL WAKE UP and SIGN this PETITION. POST IT ON YOUR WALL, and forward it to ALL YOUR FRIENDS!!! So the WORLD can RECOVER, remember WE have the POWER of the PEN and PAPER…
http://www.thepetitionsite.com/8/lets-stop-the-wrongful-foreclosure-fraud-on-homeowners/
Charlie Rice…unfortunately, the people we are dealing with are morally bankrupt…and brainwashed. They don’t think or believe like we do…They have been brainwashed because of their own moral weaknesses into believing an Ideology, a theory and a method that is based on nothing but weakening the minds, hearts and souls and emptying the pockets of mankind therefore they are STEALING the freedom and independence of mankind…I call it the epitome of evil…Unfortunately petitions mean nothing to these people who have been either brainwashed or truly are what I believe to be the SPAWNS OF SATAN…I believe only the truth being documented by facts and the rule of law being presented in a public forum like A MADE FOR TV MOVIE….DETAILING EVERYTHING THAT OCCURED BEGINING AT ORIGINATION AND HOW THOSE NOTES WE ALL SIGNED WERE REALLY UNINDORSED CHECKS BACKED BY THE AMERICAN PEOPLES MONEY…..AND THE U.S. TREASURY RELEASED THE FUNDS TO THEM AND THE FED HANDED THEM OUR MONEY….ALL WITH A CHECK…..UNINDORSED BY US….THAT CHECK/NOTE FRAUD IS AKA SECURITIES FRAUD AND WAS COMMITTED WITH WE THE PEOPLE HAVING NO KNOWLEDGE OF THIS…..THIS WAS THEIR MAIN WEAPON OF MASS DECEPTION — USED AND FULLY ENGAGED BY ALL PARTIES…THOSE ILLEGAL ACTS ALSO NULLIFIES ALL OF THE NOTES AND THEREFORE, ALL OF THE MORTGAGES BECA– USE WHAT ALL OF THESE PARTIES ACTUALLY DID WAS DISHONOR OUR CHECK…..HOW DO I KNOW THIS IS FACT….??? I HAVE THE STAMPED PAID DEED IN MY POSSESSION…AND DO DOES EVERYBODY…..THAT PROVES WE THE PEOPLE PAID FOR OUR HOMES AT THE ORIGINATION…..AND THESE CROOKS DISHONORED OUR CHECKS….ALL PARTIES INVOLVED NEED TO GO TO PRISON…WHEN THE TRUTH ABOUT THE ORIGINATION FRAUD….AND THOSE FACTS BECOME WELL KNOWN BY THE PEOPLE ONLY THEN…can WE truly put a STOP TO THEM..The truth is most don’t even know what these criminals really did…and that is ……..what….MUST BE REVEALED VERY PUBLICLY ……ASAP…!!!
I have a new name for it ….THE AGENDA OF EVIL..!
Sent priority email to all, “urgent” – copy to regulator email address provided.
Done on my compliance firm’s email.
Subject matter said: ELDER AB– USE CONCERN
Sent the message about a concern that it appears that WELLS FARGO SOLD AN INAPPROPRIATE MORTGAGE PRODUCT TO AN ELDERLY PERSON then made things worse by taking her home – now planning to evict her. Advised email was forwarded to regulator as well.
When contacting them – using “ELDER AB– USE COMPLAINT” will surely get their attention. That’s what this is — when a little bastard salesperson comes in and takes advantage — they should be burned at the stake. It’s Elder Abuse, plain and simple!!
B
WF sucks!
AGREED!!!!! Could not have said it better.
Another senior loses their home? Most I saw for help was a reverse mortgage?go figure, Nothing changes, this story sounds all too familiar, they might behave for a few minutes, however only when being watched by AIG, or Gov., like they have time for this!! besides as soon as they check off their list and mail it back, still nothing changes! As I senior citizen I am losing everything, one down two too go, or whatever!! now 2 down, thought for sure homeowners with only one home were being treated better, guess that was those rose colored glasses I was wearing the other day!! Will pray for this woman and her family; scream, cuss whatever, now of that will work, if the AIG can;t prosecute just what are the average homeowners too do? God Bless America! we will get through this, like being at war with your own country/family there is no place togo!
JUST CALLED CEO: Spoke with a young man named “Michael”…told him I was from San Diego, watching to make sure eviction proceedings of Patricia Martin go fairly…..he sounded very high spirited, almost jubilant , showed no concern, no expression of caring or compassion…not even a generic statement of attention..took no info asked for no info …then told me to “have a nice day”….Michael…it will take more than a condescending attitude to get us to stop fighting back..any way we can !
After calling Mr. Alfonzo Martinez at 210-338-4085 his voice mail says he will be away on Monday the 22nd and that he will return on Tuesday the 22nd or 23rd?
After calling the (415) 396-7018 I spoke with a Micheal who refused to give his last name and was very rude and even laughed at times during the call. I then asked to be transferred to his supervisor which was Frank Donahue, Mr. Donahue was a bit friendlier and took things a little more seriously but still seemed to have the attitude of not caring.
They reminded me that they could not talk about a specific loan unless that person was on the loan so I reminded them that we will be watching and we hope they do the right thing.
just got off the phone with ’em
Just want to say a bit about John Stumpf, He is a bastard that doesn’t give a crap about anything! when Wells broke into my home 3x I cited him personally on criminal charges!! well it rocked his world. Said he has never done anything criminal in his life!!!! This artical says different Mr. Stumpf You are not only a criminal But trash that should be kicked to the curb. I wish nothing but that someday you need help and know what it feels like to be in a bind.
well said
They are all in denial because of being forced to read Ayn Rands commie, fascist, Nazi book in college entitled ….ATLAS SHRUGGED…THEY ARE ALL BRAINWASHED BY THEIR ENTIRE COLLEGE EXPERIENCE INTO THINKING THAT THEY ARE NOT CRIMINALS….AND ARE ALL GREATLY DECEIVED ABOUT THE WAY THEY SHOULD TREAT THEIR FELLOW MAN….THEY ARE ALL MORALLY CORRUPTED OR MORALLY BANKRUPT BY THAT VERY EVIL PSYCHOLOGY BABBLE BULLSHIT…. AND IF THEY BEGIN TO SNAP OUT OF THEIR BRAINWASHING….THEY ARE SEDUCED..CANNED, PUT OUT OF BUSINESS, SUED OR MURDERED…THAT IS THE WAY THEIR EVIL WAS DESIGNED…!!
If we were to take for example the book that is AKA…OBAMA AND HILLARYS BIBLE….SAUL ALINKSY’S MARXIST, LENINISTS RE-INCARNATION OF THAT COMMIE IDEOLOGY…IN THE FORM OF THE BOOK ENTITLED…RULES FOR RADICALS…..WHICH EXPLAINS HOW TO SOCIALIZE DEBT ONTO HUMANITY BY INFILTRATING EVERYTHING AND THAT IS HOW THEY GAIN CONTROL AND SNEAK IN FASCISM AND COMMUNISM……BY INFILTRATION….THEY ALREADY DID ALL OF THOSE THINGS TO AMERICA AND THE AMERICAN PEOPLE SO THEREFORE WHAT IS LEFT FOR THEM TO CONQUER BY MORE FRAUD, LIES AND DECEIT…?? THEIR ULTIMATE GOAL FOR MANKIND…. WE ARE ON THE PRECPICE OF GLOBALIST TOTALITARIANIST ETERNAL FRAUDULENTLY INDUCED INDENTURED SERVITUDE…THEIR THEOLOGY FOR HUMANITY IS THE COMPLETE LOSS OF OUR FREEDOM AND PROSPERITY…..IF YOU FIND OUT WHO THEIR TEACHERS, MENTORS , CLUB MEMBERSHIPS, INVESTORS AND INVESTMENTS ARE..NOT ONLY WILL YOU KNOW WHO THEY ARE AND WHY WE ARE ALL HERE ..BUT JUST HOW MORALLY CORRUPT AND MORALLY BANKRUPT THESE PEOPLE ARE….THAT THEREFORE ALLOWS THEM TO BELIEVE THEIR OWN LIES…..LOOK INTO ALL OF THAT….LIKE OBAMAS PAST AND HOW HIS FATHER BROKE HIS HEART…AND ABANDONED HIM….ITS ALL IN HIS BOOKS THAT HE WROTE….PEOPLE CAN — USE THEIR ANGST TO MAKE THE WORLD A BETTER PLACE OR AN INTOLERABLE PLACE….IT ALL DEPENDS ON WHAT THEY WANT TO BELIEVE IS THE RIGHT THING…ALOT OF THAT DEPENDS ON IF THEY HAVE ANY OF THEIR OWN MORAL VALUES…OR IF SOMEONE ALLOWED THOSE MORAL VALUES TO BE DESTROYED BECA– USE OF THEIR OWN MORAL WEAKNESSES..CA– USED BY IMMORAL INFLUENCES IN THEIR OWN LIVES…
Today I heard that Obama says that he believes in God…could he elaborate on what God that is….? Because everything he has done so far is in the defense of criminals, liars and deceivers….AKA the money changers…the very criminals that Jesus warned us about…So who is it exactly that taught Obama and got him to believe these rotten moral values and these lies that all fly in the face of the word of God??Most would probably agree that all God really wants for mankind is for all of his creations to be free and independent and care for and take care of all of his creations, to obey his Ten Commandments and not find sneaky ways to destroy them by secrets, lies, deceit and criminal fraud..!
BTW…FRAUD IS JUST ANOTHER NAME FOR STEALING……GOD SAID….THOUGH SHALL NOT STEAL….
Just so you guys know….the site will not allow me to post what I wrote in an email. Just keeps deleting the post!!!!!!!!! I told the truth…..but this site won’t allow me to show that!!!
I hear ya Bobbi..that has happened to me.. There are spies everywhere as we all well know…! Remember the Hall and Oates lyric from the song …PRIVATE EYES… Private eyes, their watching you, they see your every move…..!! It almost seems like some body wants everybody to do their own research and homework…Its not always easy to get the truth to the masses.. but we have to keep trying…Thanks Bobbi for trying sooner or later, the truth will set us ALL free..! GOTTA HAVE FAITH…!
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