Wells Fargo has it down pat. I'm glad the government dinged them with a fine.
They know how to bend the rules in order to avoid lowering individual rates, etc. If you apply for modification, there is always One more form needed, or you missed the deadline, etc. or any other excuse. I've had loans for 34 years that was carried by 4 different loan companies due to buy outs, etc.
The day I refinanced was wells fargo was a day I made the biggest mistake of my life.
The loan counselor you work with, will leave and company to be replaced by another without communicating to their replacement. Wells fargo logo of the stage should be a lesson to "get on it and keep on going".
Review about: Wells Fargo Loan.
Monetary Loss: $10.