I am about to lose my house due to Wells Fargo 's XXXX scam. In the mid XXXX Wells Fargo forced any buyer they could without 20 % down payment into double mortgages with the 2nd mortgage at a very high interest rate, then refused to refinance them. Thousands of homeowners were victims of this scam. I was forced into one of these mortgages in XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had self-employment income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over 5 % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation. 
