I am in an extreme financial hardship & my Mortgage Company, Wells Fargo, said they would work with me XX/XX/XXXX & now they have changed their minds. This company, Wells Fargo should have never been bailed out as they are doing the very same tactions XX/XX/XXXX when they asked me, called me, if I wanted to skip a few payments, and let 's face it ; who would n't. I 've sent all the forms that was required of me back in XXXX, but then they say the " offer has expired ''! So I had to come up with {$6000.00} in a hurry to avoid foreclosure. Luckily I managed to get the money together & save the home my XXXX children have grown up in! Within the next couple of years, the President came up with the HAMP & HARP programs & I was able to finally get a modification, probably just because this time I hired a Law Firm to handle the situation. Right now my health is ailing as such so now I am on XXXX due to my medical condition whereas my finances have gone down considerable & I have a new monthly bill of {$250.00} since someone totaled my car, I had to get something else & with the identity thefts issues ( provable by way of IRS & local PD ) my credits is bad so I have a very high interest rate for this XXXX Ford Fiesta which is the only thing I could get into. So for this & many other reasons I just wanted to lower my mortage interest rate, with the predatory 5 % currently, so I could lower the mortgage payment minus the {$250.00} car payment. Again I hired XXXX XXXX XXXX & they assured me time & time again Wells Fargo had agreed to work with me since we have been here for 17 years & want to remain in the same home for the interim. If we lost our home I would die & the children would be devastated to say the least. Now, again, Wells Fargo is denying the modification & I have to come up with {$8000.00} ( I even opened a 'gofundme.com to help raise the money ) so we wo n't get foreclosed upon. They based their decision, or so they say, on the non physical appraisal that showed not 1 single upgrade I 've done to this house in the last 17 years such as remolded kitchen with granite countertops, remolded bathroom actually 're-bathed it ' by " bath fitter, put on another full bathroom with jacuzzi tub, added an office/sunroom with french doors, added a huge sunken den/family room, solar put on roof, skylights thru out, hardwood floors, new huge windows in kitchen & bedrooms, vinyl siding all around house. Wells Fargo ar the biggest crooks out there & should be shut down right away for their unethical practices & downright lies on top of lies. Blatant disregard for customers needs. I am attaching the paperwork on XXXX XXXX, I 've tried to get more info & they never call me back, I hope I did n't get scammed again! I 'll also attach the finale paperwork of XXXX XXXX reasons for denial as well. I just wanted the payments lowered by {$250.00} & I have very real hardships @ this time, please investigate these Wells Fargo crooks! I read in the XXXX XXXX the goverment is already looking into them because of so many consumer complaints similar to mine. Just unscrupulous tactics all the way around! Please help us! Thank you, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ; I am XXXX & a Vewteran of XXXX XXXX XXXX & my son is in the XXXX XXXX & got called to XXXX XXXX to help with the wild fires up north. One would think they would take tinto consideration as they sit & toil @ their desks & /or cubicals sounding 'happy ' on the phone as they are denying you. At least that 's what my XXXX 'home preservation specialsist ', XXXX XXXX sounded that way as some kind of scoulding principle! Oh! Almost forgot! Thruout this ordeal some gentleman by the name of XXXX XXXX & XXXX XXXX called me with strange proposition such as ; " if you give me {$670.00} right now I will appove the modificxation & that 's what your new payment would be, I mean he was really strong arm