I was denied for a loan modification ( HAMP XXXX ) on XXXX XXXX, 2015. Wells Fargo Home Mortgage made a mistake on box XXXX of my NPV - Property Taxes. They state they denied me for a HAMP XXXX XXXX because " my modified payment would be less than 25 % of my monthly income ... '' ( See attached denial letter ). However, they had my property taxes incorrect in the review. If they correct my property taxes, then my modified payment would be actually more than 25 % of my income and I should qualify. ( See attached actual appeal letter for more detailed explanation ). This is a cut and dry appeal with no questions there was an error. However, Wells Fargo Home Mortgage ignores ALL appeals and simply replies with a form letter stating they did not make an error. If this is in fact the case with this loan, I hope the CFPB uses this to prove this is what Wells Fargo does to everyone and fines them millions of dollars for lying! I hired an attorney to help me with submitting my paperwork. My attorney filed a dispute to my denial on XXXX XXXX, 2015. The dispute provided a copy of the actual current property tax bill. Wells Fargo Home Mortgage general practice is to ignore all requests. They did this with my appeal. Even though my appeal unquestionably proves they made an error on the XXXX review, they refused to respond to my appeal. Later they verbally said they did a review and it was still denied. My attorney has been asking for a new " Corrected '' NPV chart and denial letter. To date they have refused to provide me this CORRECTED NPV and NEW denial they state they have. In the mean time they have referred my loan for foreclosure. This is what Wells Fargo Home Mortgage does to people. Play games, dual track foreclosure and hold back paperwork in an effort to evade properly reviewing home owner 's for assistance. They do this while the market values of homes increase so they gain more and offer less. 
