I used to have a loan with wells fargo that was foreclosed on in Dec. 2011. I am writing because of the way that my paperwork and payments were handled. I originally called Wells Fargo before I was behind to ask for advice because I was recently laid off from work and they were the biggest payment I had. I was told by them that they could not give me advice until I was behind on my mortgage at least 1 month (so much for being proactive). Whenever I had went behind 1 month they told me that they could put me in a loan modification which was around $350 less a month than what I was currently paying to help out. I did this for 2 months whenever I called to let them know that I was good and that I could resume my payments and I was told that I could not do that and I needed to stay on the plan until the end and they will give me options at that time. almost a year goes by with me sending in paperwork every month and talking to them every month along with my reduced payment every month. I went to see if I could get a small vehicle loan because my truck blew its engine. I found out from the loan officer that I was actually in foreclosure which I knew nothing about, because I was making my payments every month and was never served with any foreclosure paperwork. I called Wells Fargo about this and they said that they could not find any paperwork on me or on my foreclosure and this was in Oct 2010. I then called my contact at Wells Fargo(I think Jesicca at the time because every month I had a new contact) to ask her about it and she said that I am still in my modification so it must be some kind of mistake. 1 month later in Nov of 2010, I received a letter from wells fargo saying that I got declined from my loan modification and I either had to pay at the time either $5000.00 or let it go into foreclosure. 2 days later I was called again to do another loan modification but this time I was not allowed to send any payments in and I asked them where all of my past payments are at they told me they were used to pay interest, and fees due to the modification, so that means none of the money went towards me principle and it made it look like I have not been making any payment even though every month I did. I found out that was not how they were supossed to do it due to the Michael Jones vs. Wells fargo lawsuit in April of 2012 were he was awarded 3.1 million due to the exact same thing that they were doing to me. During this next loan modification I was called and told after 2 months that I have been approved and the paperwork is on its way. I waited 2 weeks and nothing ever showed so I called back and was told that she forgot to send it out and to send in my new declaration statement and my new hardship letter and she would get it rushed through. I waited 2 more weeks and called back and told that I was declined because now they said I made to much money to qualify. but if I would like to keep the house I would need to pay close to $10,000 to keep the house or let it get foreclosed on.
As you can see I did everything in my power and I did everything that they told me and never missed a payment . They actually made a house that I could afford into a house that I could not afford. Because of the foreclosure on my credit I am not able to get the jobs that I once was able to get due to having bad credit during my background check. I feel my case was not handled in the proper manner and there was no communication regarding my case. Each time I called and spoke with a Wells Fargo representative, my case either could not be found or I was given multiple different answers from various reps.

Well tell me your story and I may be able to help somehow

So now we have a race war in the fraudclosure, Blackfraud vs whitefraud people are sick

First, this has nothing to do with race. Second, please do more research before making such statements, as Ms Szymoniak has done so much for all of us, not only in foreclosure, but everyone benefits from her very hard work exposing the criminal conduct by the banksters. Ms Szymoniak has skills that helped her expose what she did, as she has been an investigator for numerous years for insurance fraud. She deserve everything she gets from this!