I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+ 
