Wells Fargo

RE: Wells Fargo Home Mortgage
PO Box 1033
Des Moines, IA 50306
Loan # [protected]

Home Equity Solutions
Mac P6053-022
Portland, OR [protected]
Loan # [protected]

To Whom It May Concern:<

We respectfully request the opportunity to do a Deed in lieu of foreclosure on our property due to hardship suffered from job loss on April 10, 2009. We notified you on April 10, 2009 lost her job and that we would be able to make our payment for. In October 2009 we placed the residence located at 923 SW 98th St., Gainesville, Fl 32607 up for sale, hoping to accomplish a short sale in order to salvage whatever we can of this situation, our credit and a 10 year relationship with Wells Fargo. However, given recent market and economic conditions, the house had at this point received no offers.
My wife was notified on March 27, 2009 that her job was being eliminated effective April 10, 2009. We called Wells Fargo immediately to see about the Making Home Affordable re-modification/ refinance as our loan is Fanny Mae backed and we were losing one full. They told us we qualified for re-modification, that we would go right to However, when I called in to get clarification on a few things to complete the paperwork on time, we were told that Wells Fargo recalculated some numbers and we no longer qualified for re-modification anymore but could attempt refinancing. That blew 5 months for nothing and it was getting harder to make the payments. So in mid-end of August we began the refinancing process only to hit several bumps. The first was that our debt to income ratio was 6% higher, so we had to crunch some numbers, figure in any extraneous funds to get it into underwriting. This was a given since we are now down one income. Underwriting passed it on to a second underwriter because it was tricky. Finally we moved on in the process until the FEMA map showed us in a flood zone.
We debated it because we bought the house in March of 2006. At that time we were not in a flood zone and have not carried flood insurance for the 3 years we have owned this property. However, the maps were rezoned in June 2006. We were never notified by the county or by our homeowners insurance company. We could not afford an elevation survey to determine where in the premium spectrum we would fall. Allstate told us that our monthly insurance premiums would be anywhere from $200.00 to $400.00 additionally per month So now our mortgage payment was going up not down, defeating the entire purpose.
Then, Wells Fargo came back saying: 1) to continue the process of refinancing, we had to purchase flood insurance for 1 year in advance and show proof. The insurance will be $1599-$4000 annually. Which means instead of now saving $160.00 a month on our mortgage payments by refinancing that our payment will now increase anywhere from $200 - $400 monthly. How can we pay that much when we can't make our current payments now? 2) Now that Wells Fargo has been notified of the map changes regarding flood zones, we received a letter saying Wells Fargo wants flood insurance on our current mortgage giving 45 days to obtain it. So we are realized we were done. We have tried in very good faith to make this work. We called our lender as soon as we the suffered a job loss. We maintained weekly contact with them for 5 months only to learn that re-modification was no longer on the table but refinance was an option. We made a healthy attempt at refinancing until our payments were going up, not down. We struggled to make our payments on time and remain current from the date of job loss until the due date of the second mortgage payment on September, 15, 2009, for six months. In October, we moved out placing the property on the market opting for a short sale. It saddened and devastated us to have to lost our home but being the responsible homeowners we have been for more than 8 years with Wells Fargo both here and in Dallas, TX we did everything we could to salvage whatever we can and get as much money to pay off as much of our debts with Wells Fargo as possible. These two mortgages do not have PPI. However, the short sale did not come to fruition initially. We have lost our credit which in March 2009 was in the high 700s to almost 800 for both my wife and me. My wife's father died of Cancer Thanksgiving Day 2009 and my Mother -in-law came to live with us in January 2010. In February 2010 the house went into Foreclosure officially, . In march 2010 we were contacted by Scott R. Lin, Esquire
Florida Default Law Group, P.L. 9119 Corporate Lake Drive, Suite 300, Tampa, Florida [protected]
Because on March 23, 2010 I wrote to him and the Alachua County 8th Circuit Court requesting Deed in Lieu because my wife was was still unemployed when Yet, Wells Fargo said they has no idea who he or his firm was nor that we had requested a Deed in Lieu.
Here it is March 2010 and my wife is still unemployed collecting unemployment compensation. Please just accept the property in exchange for any debts owed. There is nothing more we can do short of filing bankruptcy. If we have to, we will fill bankruptcy but there is enough damage to our credit histories as it stands right now. All this because of a job loss and a mortgage company who did not act fast enough, seriously enough or care enough about us. We did the right thing from the moment of job loss and while in the end, Wells Fargo feels let down, so do we. Our lengthy relationship, excellent payment history and reliability meant nothing when we needed help the most in order to maintain our monthly payments and continue to be reliable customers. In April there will cease to be any home owners insurance covering the premises through Allstate. We are no longer responsible for property taxes. If you decide to pursue foreclosure please furnish us with a paper copy of the deed held by Wells Fargo. No deed was ever provided. The Deed in Lieu was Denied.
Damage Resulting : Then in April 2010, foreclosure continued. We also had a buyer for the property which was listed for "Short Sale" at this sale time, however while the buyer provided a" Letter of Pre-Qualification", they were applying for a mortgage with Wells Fargo. During the 30-60 day period of negotiations, Wells Fargo did not "Suspend"" the foreclosure process, it continued. In May 2010, we were notified that Wells Fargo DENIED the prospective buyer a mortgaged so the prospective sale fell through. On August 2, 2010, we received notification that the property would be placed up for PUBLIC AUCTION on August 27, 2010 at 10 by Wells Fargo. On Thursday, August 20th our Realtor Mariella Varella and myself contacted Wells Fargo and re faxed all currently dated paperwork because we had two current offers on the property. We were told a HOLD ON THE CURRENT AUCTION WOULD BE PLACED ON THE PROPERTY. On Thursday, 8/26/10 we were signing on offer for $125, 000 CASH from a BUYER (50% of the current mortgage value) and the legal representative from the mitigation department of Wells Fargo had assured our Realtor that t|THAT THE AUCTION WOULD NOT TAKE PLACE at 10 am the next morning because a reasonable cash offer was on the table. Then on Friday, 8/27/10 the seller called Wells Fargo to find out how the offer was going when he was told that "We're sorry, that property was sold at auction at 10 am this morning." We have done everything within our power to try to work with this mortgage company and they have sabotaged us at every turn. Lost paperwork, paperwork never received, authorizations never received, listings missing, That house was listed on the market since October 1st 2009. Now we are going to have to declare bankruptcy. I lost my job March 2009. We called Wells Fargo the day I lost my job to alert them to the situation like good customers do. I am still unemployed, my father died on Thanksgiving Day 2009 of Cancer, my mother has since moved in with me and I have
lost every thing, every thing. They have done nothing, nothing to help us and we were customers of there for over 10 years who were in excellent standing. All they did was delay, and waste precious time, time we did not have. They should not be allowed to get away with this We started out trying to do payment reduction then 5 months later were told "oh no we made a mistake, you don't qualify for that, try applying for mortgage re-modification, " It be came one big giant game until we were out of money. All the while my father was dying and I was losing my house! From reduced monthly payments to mortgage re-modification to trying for deed in lieu to short sale until there was nothing left but we never, never walked away. In fact, Wells Fargo Walked away from two short sale opportunities, one of them a cash option worth $125, 000 dollars. There has to be someone somewhere who can do something about this.

Dani Willett
[protected]
[protected]@cox.net

What do I do now?
Help ME Some one please?

Late June we started to refinance our home mortgage with WF and our "home mortgage Consultant" Beth Patterson has been difficult to deal with to say the least. Usually will not return calls, doesn't know answer's and now our lock is past, but should be good for us as the rate went down. But I can't get her to return our calls. Because they are not helping us, is there any recourse for us to get our appraisal fee back from WF due to their negligence? We had paid $400.00 for it but I think we will be better off going thru a mortgage broker who has said it would be done in 30 days.

Wells fargo has gone down hill. I've been a customer for 19 years and i'm fed up! Run as fast as you can from this bank! Do not open an account.

1. I used their "bill pay" to transfer $3, 000 to another checking account in another bank. I was told bill pay can be used for this, and I did it once before and it worked fine. This time, it didn't work. The money left my account, and never arrived at the other bank. No transfer and the money is gone from my account. They aren't looking into it immediately, or even after 24 hours. They're giving themselves up to 10 business days to resolve it! Meanwhile, i'm out the money and am bouncing checks.

2. Their customer service is horrid. Arrogant and smug. No help at all. Many menus and eventually you get a low level person who sends you to the next higher low level person. You never get to talk to the upper management even if there is a crisis. They treat all problems without urgency or care.

3. I went into a branch. The employees there (Hired under "affirmative action") were yucking it up in the back office. Then, they yucked it up at the teller window and insulted a customer. And the joker-teller handling the drive up window was openly complaining about his customers, and at the same time singing out loud. Sooooooo unprofessional.

4. Another branch had mostly somalians working whom couldn't speak clear english.

Run as fast as you can from this bank!

My mother and I have a Wells Fargo mortgage on a house we bought over 4 years ago. Since all of our bank accounts have been at Wells Fargo for almost 10 years, as well as having excellent credit and sufficient income, we had no problem securing a mortgage back then. I decided it would be prudent to refinance when rates plummeted earlier this year. So, I initiated the process in February with the same person we used before. That's when the nightmare began. After paying them a $500 application fee, they kept asking for the same documents (tax returns, proof of passive income, utility bills, etc.) on a near monthly basis. Sometimes they'd ask for a new document or two and have another excuse for the delay. Rate locks came and went. After six months of being jerked around and driven crazy, I put an end to it. Wells Fargo isn't interested in lending -- only looking busy and trying to give the appearance of being a lender. I can't imagine how I'd feel if we'd really needed to refinance. The following is the final email exchange with Wells Fargo.

--------------
Subject: Your loan
Date: July 21, 2010 10:27:45 AM PDT

Ramona, I know this loan has been conditioned to death. I just received the newest condition list. Please let me know how you want to proceed.

The following are conditions:
Need asset verifications. Bank statements all pages.
Most recent one month paystub for Ramona.
2008 & 2009 tax return for Yun all pages. We cannot get any response from the CPA at all.
Need the pension letter for Yun. I have the SSI but not the pension one.

These are the remaining conditions. Please let me know as soon as possible if you want to proceed. I know this process has been so long. I am so sorry I don't control what the underwriters keep asking for.

Sheryl DeLeon, Mortgage Sales Associate
Assistant to My Hoang and April Reichert Mortgage Wells Fargo Home Mortgage

------------------------
Sent: Wednesday, July 21, 2010 1:45 PM
To: DeLeon, Sheryl A.
Cc: Hoang, My N.
Subject: Re: Your loan

Dear Sheryl,

Wells Fargo has demonstrated that it is obviously not interested in offering us a refinance. Like a broken record, I'll say if this loan hadn't taken so long, we wouldn't have had to keep submitting the same documentation, although occasionally there'd be a new roadblock thrown in just to liven things up. To throw even more gas on the fire, yesterday I got a sales call from Donna Dalton of WFHM offering a 30yr, no closing cost loan @ 4.875.

Unfortunately I can see now that this process will never end. While I thought I was beyond frustrated before, this last request is truly the nail in the coffin. So Wells Fargo, you win. We give up. Here's how I want to proceed: my mother and I hereby cancel this refinance application and will be on the lookout for opportunities to sever ties with your bank. On the bright side, I'm glad Wells Fargo's arrogance and disgust at helping customers has been revealed to me. This was no way to treat your customers (who are also essentially investors).

I'm sorry it didn't work out. I know it isn't yours or My's fault at all. If by some miracle the application fee can be refunded, please credit the WF PMA account we have.

Sincerely,
Yun Moi & Ramona Okamoto

---------------------
Subject: RE: Your loan
Date: July 21, 2010 2:12:30 PM PDT

I knew that would be your reaction and I am so sorry, truly. I have tried to get this one done without having any thing more needed but I can't beat the system in place. I will have the money refunded back to the credit card we processed it with less the credit report fees we have been charged. Again I am sorry. This is not how I want the company I work for perceived. It is very disappointing. Thank you Ramona!

Sheryl DeLeon
Mortgage Sales Associate

My wife and I were legally separated. She walks into a Wells Fargo branch give her drivers license, and asks for the last 2 years of statements of my personal account. They immediately start printing them out for her. We have a a joint checking, a joint savings, a couple of credit cards, along with a second on our house. But my personal
Checking is authorized by me and me only. Yet they gladly hand them over without seeing who is authorized on the account. She then uses them in divorce court and submits them to the judge. Wells Fargo was never supeonaed. Do I have grounds for a law suit?

I am currently in the middle of obtaining a home mortgage through Wells Fargo. I had signed and lockedthe mortgage rate on June 28th and was told that the closing date should be on or before July 15th. Today is August 23rd and I have not yet closed on the house. My rate expired on August 13 and was told that I had to extend the rate. I refused to do it and requested to for a new loan to be processed and was told that I have to wait 100 days before applying for a new loan. They finally said that they would split the extension with me since the rate was to be extended for two more weeks. Here I am on the second week and it does not look like I will close with the second extension. All sorts of excuses are given. The loan officer wants me to do the leg work of calling the processing department and pushing them to push the deal. I am sick of this. I cannot even pull out of the deal at this point, if I do I will lose my closing costs. Does anyone else have this problem with Wells Fargo? I will never ever recommend Wells Fargo to anyone. This is a nightmare that I am going through with them. Is there a class action against them to recoupe the fees that I am paying for the extension and other fees involved. Please advise. Thank you, Celine [protected].

I am in the process of renovating my home. I am a teacher with not a lot of extra income. I took out a Home Projects Loan through Wells Fargo to purchase new energy efficient windows for my home. The loan was for $10, 000 which I used $7500 for the windows. I also had a credit line of $1500 for other purchases.

I have never paid late nor missed a payment on this loan. Regardless, for the past two months after my payment is processed, I receive a letter from Wells Fargo saying they have decreased my credit available to the amount due since my credit is not sufficient. I have an average credit score, and have run into financial hardship but have not missed payment on other bills. This action by Wells Fargo has changed my credit score because it looks like I have maximized my line of credit.

Has anybody else experienced this? Do they want to purposely put you into a hole you can't dig out of?

I am being charged for a service that I never enrolled in.

08/19/2010 08/19/2010 credit defense [protected] g $36.03

i had a home in san diego ca.i wanted to buy another in ramona ca.at that time the bank was world savings.it then changed to wachovia.it is now wells fargo.the loan officer told us we needed to take out two different loans.one to take money out for a remodel of the original home.at that time it was worth about $950k.there was a loan of about $440k.then we were told we need another loan for the new home, also $440k.we also had to put down $121k.at the time, the new home was bank owned.we made a lower offer.we wwere told we had to pay the full asking price of $570k.the home was suppose to be worth $652k.we were told at that time because we were going to sell the original home, we should just get 15 year adjustable loans on both.we had planned to sell the original home and pay off both homes.at that time the housing market changed.we could not sell it for that price.so we rented it out.we were making some payment on it, not full ones.but the bank was accepting them.then we had to evict the tenant this year for non-payment of rent.of course wachovia swooped in and filed for a foreclosure process.the home at time was now worth a lot less.we ended up after waitng for them to modify the loan for close to two years, selling the house on short sale last month for $350k.now while trying to keep paying on the other home, we got behind on the new home.but we were only owing about $7k.next thing we know it was jacked up to close to $23k.we had asked for a re-payment plan back when it was about $7k.we were told to fax in lots of documents.we faxed them.now they are telling me today that they did not receive them, we did not call back for phone interview.i called back another person, they say they received the papers but now it's too late so they want to foreclose on the 24th.they told my real estate agent another story earlier today.so now i have to go pay for an atorney and pobably file papers with our DA here in San Diego.plus file a case of elder abuse against Wachovia/WellsFargo.i am sure there was some illegal dealings with the loans.we gave up our other home to save this one.so we will fight to the finish.all we want is to start making our payments again like we were told we could.we offered to send in a large sum, we were told to hold onto it and not send it at that time. this house is now worth $350k, half of what it was suppose to be.so Wachovia/Wells Fargo needs to step up and do the right thing as they promised.we will be filing the papers with the DA on monday and the papers for Elder abuse.i was 69 when the loans were taken out.they for sure took advantage of me.i will see attorney on monday.wish me luck.

Wells Fargo is a horrible bank they cannot conduct any decent business. Their Loss Mitigation Department is the worst. They are incompetent, unskilled, ignorant and unprofessional employees. Their management and leaders are running a scam with the short sales and foreclosures. I had a buyer that was willing to pay cash $290, 000 cash and Wells Fargo took 7 months to approve the offer and the buyer walked away. I have been trying to do a short sale with them for a year and a half and they will just sit on your packages and transfer you from negotiator to negotiator. The second time I got a buyer that offered $285, 000 wells Fargo sat on the offer for 3 months and then denied it. Do not work with Cassandra Bloyer, Deyya McClurkin, Laurien L. Grimes, Vincent Moynihan, they are just a waste of time and don’t know anything about the process and they will send your file back and forth until the time is up and they will foreclose your home. They are not willing to work with you; they are just rude and worthless to deal with. What a horrible experience, I am glad it is over and I won’t ever have to deal with Wells Fargo ever again. Please be smart and do not get yourself trapped by them, they are not there for you or your family they are only in while you show them THE MONEY after that they will not work, cooperate or be flexible with you ever.

Stay away from wells fargo bank! My attempt to wire money from my account to a corresponding bank in canada resulted in lost funds, misinformation, lies, abusive behavior by management and failure to make any attempt to solve the dilemma.
My inquiries into what happened to my money were met with made-up excuses, recriminations, and a how dare you question us attitude.
Even the bank manager stated to me to that some employees are not thoroughly trained, which is common in the banking industry. That I and customers alike should expect it, and to live with it!
That made me feel very secure about wells fargo handling my money.
No one, including branch management and upper level managment appologized for my inconvenience, concern and anxiety. No one cared about making any attempt to trace and find out what happened to my money.
I was able to finally meet a non - management wells fargo employee that cared about the customer and not at all interested in false bravado.
She immediatly set about to research and trace the lost wire.
Unfortunatly, after getting nowhere for a week with the so called managers, I now have to wait an addtional few days to trace the funds.
I do not expect the young lady that finally assisted me to advance very far with wells fargo. She is the only one that actually displayed intelligence and compassion. Obviously a rare commodity at this moscow idaho wells fargo branch.
If you deal with wells fargo, get out! If you are thinking about it, don't! If you must, remember that the chance of confronting incompetence is far greater than you think.

I have been round and round with these rude people! Do NOT finance with them! My daughter helps pay a small portion of the payment and she had some medical issues and and was trying to get caught up on her bills. We were only behind 2 weeks and she called to inform them for me (she has permission on the account). They tell her "Why don't you have the loan with us?" She says, "because its my moms car plus she has better credit anyways" And the man replies "Well no wonder you don't have the loan in the first place. You can't even afford to make any payments." And then he starts yelling at her! I will state that the reason she fell behind was because she had to undergo chemotherapy (which they knew). She was already feeling horrible and they just added to it. They actually almost lost their house with Wells Fargo...but pulled through and was calling wells fargo dealer services about my vehicle just to let them know we fell a couple weeks behind. I was furious, called back, and i was told that if 1 payment is overdue 30 days, they will reposes my vehicle...1 payment! These people were rude jerks. He set up 2 payments to be taken out. One the day before I got paid but was supposed to be taken out after business hours so It would not be taken out of my bank account until the next day and another 2 weeks later...well, he forgot to note the account about the first payment being taken out after hours and guess what!?! overdraft! He also failed to tell me it was a $10 charge for each payment set up... Until I received a letters in the mail describing fees and banks overdraft fees! After calling back to cancel that last payment set up, I was told "i should of known about that"...how am i supposed to know if no one tells me! Anyhow, that doesn't even skim the issues i've had with this company!

I found out yesterday through a good source, the M.O of this outfit. You see, on some of these (in fact most) of these modification programs are specifically designed to fail, especially the President's "Affordable Home Program" has been viciously abused by the mortgage companies. These ppepople are "double dipping.
They do it by receiving $4000 a month from the government to pay the mortgage companies for our mortgage...this is their first "Dip". At the end of the year they have strung you along with al of the same complaints you see recorded on this site. By that time they have taken $48, 000 from the government (our bail out monies for them). After they have strung us along for that year with no intention of any permanent adjustment, I receive a notification that I did not qualify for the modification and that I owed them $10, 000 for the principal that was not paid in the temporary modified payment. So now they have the government's (our money) of 48, 000, they have now given us THREE WEEKS to come up with the 10, 000 or face "AN ACCELERATED FORECLOSURE". Their next move is to offer to "help" you out again by offering assistance on a "short sale", which is simply giving your home to them or their designated buyer. They have now made back on top of the 48, 000 and the 10, 000 (if you could come up with it) and the full balance of the mortgage
In essence, they used our bail out money to throw us out of our own homes.
The President's intention in giving the companies money was to allow us to keep our homes and paying them not to foreclose, giving us a chance to get back on our feet. ..instead, they are using his program to screw us and the government out of our monies and our home place. They have made more money with this scam than they would have being honest and simply doing the business of mortgage contracting. They are making BILLIONS, in not TRILLIONS throwing us out of our own homes with our own money. This simpy cannot be legal. A class action suit is most certainly in order here.and a congressonal investigation along with a criminal investigation should be initiated by the government. ..They are intentionally causing the President's program to fail.
I have found out about a law firm in Tennessee that is taking these cases to court and arranging a fair settlement. I still have to find out their names and address and I will post it as soon as I do. .

I have a wells fargo complete advantage (Rm) checking & savings account. Completed an on-line transfer of $1000 from my savings to my checking account, since I wanted to cover a check I was writing & an on-line purchase at walmart. My printer was non-functional at the time so I could not print out a copy of the transaction with its corresponding confirmation number.

Much to my surprise the transaction never occurred. I went to the bank asking why I did not have automatic overdraft protection. They said it was never set up & I had to $35 for each incident for a total of $70. So where is the advantage of my disadvantage account ?

To make matters worse I asked to set up the overdraft protection to find it still charges me $10 per day for a service, to use my own money, and was free at my other banks!

Who is the government protecting, its people or its corrupt banking system ?

Good-bye wells fargo & screw your customer business ethics !

AUGUST 2010

If you are looking for a loan, do not use Wells Fargo Auto. If you are behind on payments in any fashion, be forewarned of how you will be treated when you call in to make arangements. This is coming from a mild-mannered, very logical, patient person. As of today, my car payment is 5 days late. FIVE DAYS. I called in because this month, I need to pay it on the 27th - which is late, I realize. It's too much to type here, but please note, coming from a very sane and logical person - I was crying by the time I hung up (and I hung up on the woman.) I did not realize a call to let them know I will be a few weeks late this month would turn into someone yelling at me, talking down to me, taunting me, questioning my finances - with very harsh language and manner. It was shocking. It was unprofessional. I decided to let her keep talking and talking, because I figured at the end I could repeat myself "I HAVE NO MONEY I CAN PAY YOU ON 8-27" - nothing she was going to say can change the fact that I have no money. She was horrible, it was horrible. This sort of stuff has gone on throughout the duration of my loan, but was today was bad. REALLY BAD. Please dont use Wells Fargo Auto for your car loans. Its just not worth it.

Los Angeles county issued a $3500. exempt hold/lein order on my bank account. Result: $100. legal fee. The instructions issued included: Withhold any any all assets exceeding $3500. in value. Deposits in financial institutions, including IRA's, SEP's, rents and on and on. If these funds include any monies from Social Security or Supplemental Security Income Please contact us immediately. For the last several years the only deposits made to my bank account is the direct deposit by SS. There are 2/3 debits outstanding. The bank freezes my account, pays the outstanding debits, credits my account with $25. overdraft fees.

The legal department (finally contacted, call waiting 1st 38min, 2nd 52min, 3rd 35min) is busy and after their acknowledgement of error advised me to contact WFB consumer help line for reversal of late fees ($25.), they didn't have the authority for such services. The over draft fees are wrong, the legal fees, I'll have to assume (the gov'ts are in a hurry for monies). They are WRONG. Unfortunately the economy doesn't accomodate retired carpenters and has no handy work to augment my income.

8/3/10

To whom this concerns:

Wells Fargo has hired this company Pinnacle Financial to negotiate on their behalf. They fired them w/o informing us. Now we are ready to close escrow and their new company Enhanced Recovery Corporation is saying the amount of compensation is too low and there is no negotiating it. We had the payout increased by 65%, but they still refused it.
Wells Fargo has this collection company collecting for them. When we talk to Wells they say it is up to their collector (ERC) to accept the offer. When we talk to ERC they say it is Wells that has to accept the offer. This has been going on for over a month. We were suppose to close escrow the first week of July. Now its 8/3/10 and we don’t have agreement with Wells Fargo has yet.

Mean while the buyers are loosing their loan lock, and their lives are being held up. Our realtor is giving part of his commission toward some unpaid property taxes and the buyers are chipping in as well toward that. And that is because the bank would not pay those taxes.
We have invested over $275K (our savings and investment money) into this property and are losing every bit of it. For the past three years our financial situation has been devastated. Being realtors we have basically lost our job and been living off what ever little saving we had left and by selling our personal belongs. Loosing our home to short sale or foreclosure has been devastating for us. They claim to want to help save our home but when it really comes to help they refuse to. There are just messing with our lives.
Please kindly address this situation.
Please help!

Sincerely,
Greg & Rajkumarie Bechtol

I got a loan on my car from Wells Fargo Financial. Three years after I finished paying it off, I still haven't received the title to the vehicle. They sent me a check because I overpaid on my last payment, so it's obviously paid off, but no title. I go into the DMV, they say I have to go the bank. I went to the bank twice and they finally sent me a document "Lien Satisfied / Title Holder Release" but they didn't sign it or notarize it. Their office is in Philadelphia, PA but they typed Philadelphia, CA on the form. What's up with these people?

I go into the DMV again, hoping it can be taken care of electronically. No, they told me I have to go back to the bank and get it signed and notarized. The only way to find out what I have to do next is to go into the DMV and wait for an hour to talk to someone. Now I have to go back to the bank for the third time and after that back to the DMV again (third time). Then, it will take two weeks for the title to be sent to me from Sacramento.

Is it really so unusual to finish paying off an auto loan? Why is this so hard?

This bank deserves to fail. I sure hope my tax dollars didn't contribute to a bailout for Wells Fargo. They suck.