I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO 
