ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC. 
