Wells Fargo Mortgage Modification is a Scam


Contact Information

Attorneys General (my letters)
The National Association of Attorneys General Contact List
State, County and City Government Consumer Protection Offices

Do absolutely file a complaint against your mortgage servicer/lender with your state's attorney general if you feel you have not been dealt with fairly, legally or in good faith regarding both/either your mortgage loan origination and/or your attempt to secure a modification, refinance or short sale. At some point, enough consumers will have provided information that the AGs will 1) have enough information to file lawsuits against the perpetrators and 2) the collective state attorneys general will stop pretending that a reaching a settlement with the banks involved in forging foreclosure documents (known as robo-signing) in any way represents justice.

There are a few states where your AGs have worked to hold banks accountable for mortgage and foreclosure fraud: Nevada, New York, Minnesota, Delaware.

All that aside, if your loan is "owned" by Fannie Mae or Freddie Mac, you've been totally sold out by every AG except Oklahoma's, who seems to believe the banksters spin about all those facing foreclosure being deadbeats. That's right, the National Mortgage Settlement excludes all homeowners whose loans were bought up and securitized by the two government-sponsored enterprises.

Congress (my letters)
Who is My Representative?|
U.S. Senate Committee on Banking, Housing, and Urban Affairs

U.S. House Committee on Financial Service

Senate Appropriations Committee
Subcommittee on Financial Services and General Government

View the webcast of the April 2010 Hearing: Holding Banks Accountable: Are Treasury and Banks Doing Enough To Help Families Save Their Homes?

Read the testimony of Richard H. Neiman, the Superintendent of Banks for the State of New York and a member of the Congressional Oversight Panel, on the ongoing evaluation of the Treasury Department’s implementation of the Emergency Economic Stability Act (EESA) with respect to home preservation.

Write to your state and federal legislators. Call them. Go to town-hall meetings and ask them to their faces why ordinary American citizens harmed by the economic crash caused by the financial services industry aren't getting the help they need and that many government programs promise. If you don't get an answer, don't vote for that person again. And tell your friends and family and neighbors why. Often.

Too many legislators at all levels have been bought and paid for by big corporate interests, and banks are huge campaign contributors. Research who is buying the votes of your legislative representatives and decide whether those people are representing your interests.

Freddie Mac
Tracy Mooney, Senior Vice President, Single-Family Servicing and Real Estate Owned
Carol Wambeke, Senior Vice President and Chief Compliance Officer

Freddie Mac Loan Look-up
Loss Mitigation
Public Relations
Borrower Group

If your "lender" tells you Freddie Mac "owns" your loan, don't expect to get any help from there. At least, I didn't. I got blown off three times by Freddie Mac. The "Borrower Outreach" phone number seems not to be answered at any time during regular business hours and messages are not returned.

Federal Housing Finance Agency (FHFA) Inspector General

Treasury Department

Timothy Geithner,
Secretary of the Treasury
Department of Treasury

1500 Pennsylvania Ave., NW
Washington, DC 20220
(202) 622-2000
Fax: (202) 622-6415


Tim Massad, acting assistant secretary for financial stability
Department of the Treasury
1500 Pennsylvania Ave., NW
Washington, D.C. 20220


Michael Barr, assistant secretary for financial institutions
Department of the Treasury
1500 Pennsylvania Ave., NW
Washington, D.C. 20220
(202) 622-2610

Wells Fargo (my letters)
Contact Info For Wells Fargo CEO John Stumpf And Friends

John Stumpf, CEO
420 Montgomery St.
San Francisco, CA 94163
(866) 878-5865
(800) 853-8516
(415) 396-7018

  Mike Heid, President
Wells Fargo Home Mortgage
P.O. Box 10335
Des Moines, IA 50306-0335

Wells Fargo Home Mortgage Office of Executive Complaints
(formerly WFHM Office of the President)
The people who answer the phone in this office are generally extremely helpful. Call there any time you can't reach any one of the people they have assigned to you as a "single" point of contact and they'll help you track the person down. They also answer direct questions.

If your loan mod case gets "escalated," you'll likely be assigned an Executive Mortgage Specialist in this office. Their main job seems to be trying to justify all the silly games their company has been playing with you. They are not to be trusted, but occasionally you get a useful bit of information out of one of them tucked among the deceptive corporate speak. Use the toll-free number above and dial the extension when prompted by the recorded message.

  Kathleen Wengert xt. 45975
  Wanita Nelson xt. 45937
  Angela Cook xt. 43305
  Gary Lingren xt. 40486
  Jefferson Cooper (952) 562-1267

Other "single" points of contact at WFHM:

  Kathleen Halifax Underwriter (888) 937-6500 xt. 28530
  Jacob Vogel

Mortgage Specialist, Office of
Congressional Support

(515) 324-6989
  Linda Velazques Home Preservation Specialist (877) 808-6144 xt. 87904
  Larry Parkos Home Preservation Specialist (877) 242-4017 xt. 19171
  Michele Rush Home Preservation Specialist (425) 455-6030
  Mark Tinsley Home Preservation Specialist (877) 279-1649 xt. 1668
  Jessica Dahms Home Preservation Specialist (877) 242-4017 xt. 16141

Wells Fargo Written Correspondence
PO Box 10328
Des Moines, IA 50306

Other Banks
As I run across it, I'll also post contact info. for other lenders.
HAMP Participating Lender Contact List
Mortgage Lenders/Servicers Contact Information
Reach Chase Executive Offices For Mortgage Modifications

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