Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX 
