I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment. 
