America's Servicing Company - Wells Fargo Home Mortage, Illegal Change of Mortgage and Interest Rate to Produce Foreclosure. Iowa

My name is John I reside at (((personal info redacted
))). In May of 2006 my Wife Christine and I closed on our home with First Franklin Bank in good faith and with a five year fixed interest rate. In August of the same year First Franklin Bank sold part of our Mortgage to America's Servicing Company (ASC) in Des Moines IA, Aka Wells Fargo Home Mortgage at P.O. Box 60768, Los Angeles, CA 90060-0768 which was fine until May of this year 2008. In May of this year we received a letter of notict the ASC would be raising our interest rate and our mortgate would go up approcimately $246.00.

I called ASC aka Wells Fargo the very next morning and talked with a Delorse I believe of ASC Costomer Service Department and I explained the our closeing contract shows that we have a five year lock in on our interest rates and that our mortgage and interest rates can not be changed or go up for that five year period. She pulled up their copy of our closeing contract and verified the five year lock in of interest rate and mortgage.

She then explained to me the sequence of events that will take place to correct our account with ASC and that I would be receiving a call and a letter when the error was corrected. I did receive a call to my answering service saying that the appropriate department had receive my account for action and I would be receiving a letter of those correction. About 10 days later I received a ltter from ASC stateing that they have reviewed our contrats and that they have verified our fixed rate and mortgage and that the records will change to reflex the correction.

Well that was short lived because in June 2008 we received another letter showing that our interest rate and mortgage had not change back and the ASC is taking $156.22 out of our escrow account to make up the difference in the mortgage This time I talked with Shameka and her Manager Helen and we whent through the very same steps as in May but this time no phone call and no lettter.

July we received the same letter again stateing that our interest rates and mortgage notifing us that ASC was stealing money from our Escrow. This time I talk with Tanehsa and her manager Linda. Again I received a call from Linda stating that all information had been forward to the appropriate agency and that I would be receiving a letter which never came. In August 2008 the same thing this time I spoke with Brenda and the manager Linda again.

In September I spoke with Cherita concerning the same thing and at his point she got the bad and mean side of me. I received a letter from ASC saying the they have review our loan but no correction to the interest rates, mortgage or escrow. Now here is is October 2008 and I am dealing with the same problem as in May 2008 and today I spoke with Antonio of Wells Fargo Customer Servise. Is this is why appartment living is preferred over private homes. Wherer do one go from here is ther a government agency to help prevent this blatane theft of money's and attemptes to discredit home buyers.



John
McDonough, Georgia
U.S.A.