I fell behind with my mortgage payment with Wells Fargo because my income has dropped by 20 %. also my expenses have increased. I have XXXX children in colleges. I am trying to provide them with the best education for their future. I tried to apply for loan modification several times with Wells Fargo. The XXXX time I was denied because the investor does not participate in HAMP. I filed a complaint with Attorney General. I was asked by Wells Fargo to reapply for modification. I applied again in XX/XX/XXXX I was approved for XXXX trial payments XXXX and XXXX trial payments were {$2600.00} but XXXX trial payment was in the amount of $ XXXX I ca n't believe they had the nerve to offer this deal to us- We do n't have that kind of money - We reapplied in XX/XX/XXXX was denied because they do not have the contractural authority to modify your loan because of limitations in their servicing agreement. Attached is both the approval and the denial letter from Wells Fargo. I strongly feel I am being treated unfairly by Wells Fargo and XXXX ( the investor ) - I am asking for your help to find some type of solution to save my home. 
