To Whom It May Concern, I am filing this formal complaint because I feel that Wells Fargo is not honoring their part of the agreement with the government. I have been trying to get a loan modification for over a year and a half. During that time Wells Fargo has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year and now I am making half that. My husband XXXX, so he could not work for many months. We have had to borrow money from family and borrow from our retirement just to make ends meet. I believe that Wells Fargo illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Wells Fargo not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Wells Fargo, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in 2003 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Wells Fargo is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks ' policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I 'm not asking for charity, I just want what is fair and right. From what I understand Wells Fargo took millions from the government, but they are not helping the people that legitimately deserve it. Please help me save my home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX 
