I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long. 
