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Wow what a fraud this company is, I was advised by my prior mortgage co 2 years ago that my loan was sold to ASC and I have had nothing but bad service, incompetent customer service reps (who dont speak proper english, they sound like they just graduated highschool) and after the wonderful stature that the US is in, the interest rates have gone up for us individuals that thought that by having the american dream and being lied to be the so called mortgage brokers 3 years ago that promised us people that getting an ARM mortgage would be the best thing and that the banks in 3 years would never raise you more and 100 a month well i went from 1700 a month to 2600 a month and trying ever month to pay therefore I can have a future for my son, ASC sends me letters ever month how they can help me and i have been trying to get help from them for 1 year and again they have denied to atleast lower my mortgage atleast $200 a month their denial is I put myself in the mess im in due to by debt to ratio, well if the gas was not 3.00 agallon and my sons school tuition would not have gone up 125 a month and my car insurance and the price of food then i would be able to pay my mortgage on time and not have to pay a late fee every month, ASC is a company that thrives on lowering the esteems of individuals and sends these monthly letters that they will help and contact them and when you contact them you are on the phone on hold about 1/2 hr and then they tell you oh you are on the wrong extension let me trasnfer you and again it is a constant battle to deal with a company like ASC, i could imagine how the employees must laugh when we hang up in distress and crying that we will try anything to keep our homes but dont worry the higher ups that are rippingus hard working people they will also fall one day KARMA is a ### and they way all those people treat us on the phone it will all come back to each and everyone of them. ASC is not a helping mortgage co they rip you off with phone charges, late charges and most of all raising rates, stocks are going down why are our mortgage rates going up.. ASC you will see you will also hit rockbottom, REMEMBER KARMA IS A ###


  • Ke
    Kelly L. Hansen Dec 24, 2008

    My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. I'm going to share my story with you AND THEN follow up with someone who was able to, just very recently, get Wells Fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail Cara K. Heiden, Mary Coffin, and Sharon Cecil in the WFHM Executive Office. I give you their e-mails, direct phone number, and address below. Please try. I'll say prayers for you and your dear families. Remember, keep trying. Expect God to bless you. And I know he will.

    In November 2006, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. Theyd never escrowed before. Then, instead of paying my annual property taxes once, they paid them twice. And I had already paid them. Then they pre-paid my property taxes that werent due for another year. Id never had an escrow account with them, so usually the balance was zero. Now it was -$5500.00. My mortgage payment increased from $655 to $1446 a month. I cant pay it.

    Wells Fargo admits their error. They promise to fix it. Then they dont. Again they promise to fix it AND reverse all the late charges. Doesnt happen. No one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.

    ASC Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. So many ASC Customer Service agents promise all your problems are taken care of, rest assured. When you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. So then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. They will give you their three-letter employee ID code that has never helped me a bit. Many agents refused to give me the companys physical address when I wanted to talk with someone face to face. Over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. Yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. So in February and March I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. Most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. Four days later Im told my documents were never received so my home is in foreclosure.

    On April 23, 2007, I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. My sister was given power of attorney so she could resolve the issue. Upon discharge from the hospital an ASC agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. They promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.

    Two days later I received a notice advising me of the sheriffs sale date set for my home.

    My home was my savings account. And it was my retirement account. More important, it was my security blanket.

    The October 3, 2007, sheriff sale date has been postponed and Wells Fargo has told me they want a satisfactory conclusion to this nightmare. Ill keep you posted. Today is October 9, 2007.

    WFHM admitted errors and apologized in two letters received on October 24, 2007, and October 29, 2007, from Todd M. Boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.

    THEN THEY SOLD MY HOME AT A SHERIFF SALE. They took my home, almost $100, 000.00 in equity, and I'm lost without my home. God Bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. Two years of fighting for all I'm worth just can't end like this. I will NEVER stop trying to find restitution and peace. And I will NEVER STOP sharing my story just in case it might prevent someone else from losing their home. From facing agonizing months on end. Being turned inside out with fear and pain. From losing their retirement, their live savings, their security. If I had children, I don't know how I'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. It just breaks my heart.

    BUT remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from Wells Fargo Bank. So DO NOT GIVE UP!

    I know help is coming soon for all families facing foreclosure. God Bless anyone who helps someone keep his or her home.

    Kelly L. Hansen
    STILL HOPEFULL, BUT at the moment HOMELESS...
    46-year old now living with her 70 year old Mother!
    Thank God for Mothers.
    33605 W. 88th Street
    DeSoto, KS 66018

    [protected] (don't hesitate to contact me!)
    [protected] Fax

    Here are the names and numbers you need -- these women will get you the money that belongs to you. Please let me know if you need anything at all from me. It never hurts to start pushing from every direction.

    Cara K. Heiden, CEO

    Mary Coffin, Vice President

    Sharon Cecil, Assistant to Both

    Todd M. Boothroyd
    Senior Counsel, Real Estate Division
    (address in California, let me know if you need it.)

    Executive Communications Office
    MAC X2302-02J
    800 S Jordan Creek Pkwy
    West Des Moines, IA 50266


    Subject: Thank You Kelly!
    Date: Fri, 21 Nov 2008 22:19:47 -0800

    Dearest Kelly,

    I left you a voice mail this evening. Thank you!
    I've passed along to other ASC victims, my success story, and your info. Thank you!
    Your blog comments helped me save my home. Thank you!
    You are a God send Kelly, Thank you so very much!
    Your efforts were not in vein.

    Kindest Regards,

    Jeff Taylor / San Clemente, CA / [protected] :)

    E-Mail from 'jackie euper' to 'Kelly L. Hansen' (

    Wed, 17 Dec 2008 10:48:53 -0600




    First off thank you for your help. I did speak with Sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. Thanks again for your web site it led me to the correct people. I hope you have a Merry Christmas, and may God bless you. Thanks again, Jackie.
    -------------- Original message from 'Kelly L. Hansen' : --------------

    Attn: Jackie Euper & Sharon Cecil

    Jackie, awesome, thanks so much for keeping me posted!

    Sharon is always a big help. God Bless You & I hope you have a Merry Christmas!

    PS: Sharon Cecil - You're so good at getting things done! Thank you for taking care of Jackie Euper. After sending this to you, I'm going to and /link removed/ and saying THANK YOU WELLS FARGO HOME MORTGAGE! It looks like a real effort is being made by the Executive Office to take care of your customers.

    That's thrilling!

    Kelly L. Hansen
    STILL HOPEFULL, BUT at the moment HOMELESS...
    46-year old now living with her 70 year old Mother!
    Thank God for Mothers.
    33605 W. 88th Street
    DeSoto, KS 66018

    [protected] Fax

    Print - Close Window
    Date: Sat, 20 Dec 2008 07:12:07 -0800 (PST)
    From: "Kelly L. Hansen" <[protected]>
    Subject: You deserve each and every blessing you receive, Jeff. Because you give your heart to others.
    To: "." <[protected]>
    OK - wow, how do you share your heart so well? You have blessed me with your success story. Can you imagine how many others will be encouraged, uplifted, and energized when they read your words?

    I wish you would have been able to do the FOX interview! It sounds like God is using you by giving you so many opportunities to share your story!! Very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. That is key and something I never considered.

    Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.

    May I ask where you posted your story? I want to go the site and read it!

    Now, I ask for your prayers. I lost possession of my home two weeks ago. Your letter, your warmth, delighted my being!! Once again, PERFECT TIMING!

    You've energized me to get your story out and get back to what I love doing. Thank you, Thank you, Thank you. I really love being thought of as a guardian angel. I so very much want God to be able to work through me. And I've prayed for specifically that just within the last few weeks. So wow, thanks so much for your affirmation. Hugs and Kisses to you, to your family, and may your holidays be filled with joy, and peace. Aaahhhhh. Sweet, sweet peace. God Bless You, all of you.

    "." <[protected]> wrote:
    Hi Kelly,

    Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you!
    And yes, you can post any, and all of my stories. We're in this together.

    The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!

    I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.

    All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.

    All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.

    So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
    A wonderful Christmas to you and yours!

    I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!

    Warmest regards,

    Jeff Taylor
    ----- Original Message -----
    From: Kelly L. Hansen
    To: [protected]
    Cc: Kelly L. Hansen
    Sent: Friday, December 19, 2008 9:14 AM
    Subject: i'm so happy for you!! Thank you for your kind words - they mean more to me than you could know.

    wow -- I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "God I HAVE to have some good news TODAY!" Your e-mail may have been written a few days ago, and I'm sorry I didn't get your voice mail, but God used you tonight, Jeff. Just knowing you took the time to write is awesome. You will just never know, honestly, what a blessing you are.

    So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.

    People are so scared to trust anyone - and they should be. May I share your e-mail with others fighting to keep their homes -- and prayerfully SOME equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. So let me know if you are comfortable with passing along some smiles.


    If you have already written your story anywhere, I'd love to read it! I want to know (I promise I'll keep everything confidential) who finally cared enough to help a hurting homeowner!

    Yes, I'm still in my home but now after Wells Fargo Bank dba Americas Servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account -- 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist LLC. "Equity-Strippers." To just say just the very least, and leave you alone, they forged a Quit Claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now I'm fighting with

    BEID: 3016292
    9379 WEST 75TH STREET

    under investigation for mortgage fraud, forgery, and sexual battery -- six identical cases in court at the same time all Quit Claim fraud, all forgery, but I'm still fighting just so exhausted. DEAR LORD, WHAT'S UP? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around -- if I were you and FINALLY had a happy ending, I sure would understand if you prefer to move on.

    If I had a happy ending, well, I'd still stay very very deep in this. Too many people have too much to lose. And they are losing it.

    Tonight I'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. So, so nice.

    Thanks for sharing.

    "." <[protected]> wrote:
    From: "." <[protected]>
    To: <[protected]>
    Subject: Thank You Kelly!
    Date: Fri, 21 Nov 2008 22:19:47 -0800

    Dearest Kelly,

    I left you a voice mail this evening. Thank you!
    I've passed along to other ASC victims, my success story, and your info. Thank you!
    Your blog comments helped me save my home. Thank you!
    You are a God send Kelly, Thank you so very much!
    Your efforts were not in vein.

    Kindest Regards,

    Jeff Taylor / San Clemente, CA / [protected] :)

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