Wells Fargo is denying our application for a loan modification. Their servicer, XXXX XXXX XXXX, has been requiring XXXX forms to be filled out and submitted at least six times in the last two years. Each time, we have been denied a loan modification - despite qualifying for a HAMP modification due to XXXX and loss of income. Wells Fargo is XXXX of the XXXX large financial institutions participating in the HAMP program. We do not understand why they are denying us a loan mod when they have received government monies to do just that - modify loans. Please help us sway Wells Fargo into doing what they have promised. 

Thank you, XXXX and XXXX XXXX. 
