I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems. 
