I had the same problem with this lady from wells fargo. Miss craford.
I was going to make a payment of 3000 thousand dollars to catch up my payments and be current but i fell into a trap. She insisted i do a modification. I said i did not need one. She said i could pay less monthly.
My payments were only 679 a month. She insisted. Then i said ok. But then months later she said the investor did not approve.
Problem was she said while in modification i could not make any payments not even he 3000 thousand. A few months pass and i was serve a default. Its a trap. This was nine years ago.
They are still trying to forclose. Its a fraud. Its a set up . An albertelli law needs to be in prison.
Ibwish you could reply to my message. Are u still in your home.