I just read a lengthy review on this site about a nightmare home modification. I can tell you that the exact same thing happened to me. WORD FOR WORD. i thought I was reading my own thoughts. I think this is a major scam. and a waste of time. it was going on for about 2 years. you need a forensic account to get this through. And yet they will still find a way to screw you over. what middle American that is in trouble with their mortgages, struggling with jobs, have financial statements & profit and loss statements. this is a farce and they should be investigated. But of course no one will hear our voices. Stay away from wells Fargo. change credit cards, Loans, banks, don't do business with them. they will find a way to screw you.