Chris, the thing about complaints you have to understand, is that 90% of complaints against ANY company are bogus. Most involve a customer not getting his way, being told NO, being denied refunds or freebies etc. You have to actually read it and comprehend why the person is complaining. Modifications and refinances are LOAN renewals. They are treated as a new loan: the customer has to have the ability to pay it back, credit worthy etc.

What happened with the big banks with the modifications is simple: the market took a hit, Obama started the modification act garbage and made out like anyone could get instantly approved, and people just took that as an excuse to stop paying their mortgage. Why pay when Obama is going to make the banks give you a lower payment with no added interest. But what happened, is what Obama promised is NOT what the banks agreed to. He made it seem easy. It is not. He made it seem as if anyone would qualify and they do not. Simply put, Obama screwed up and left the banks to take the fall.

We have our mortgage through Wells Fargo now, and with today's great interest rates, want to refinance. Chase Bank has been courting us, but as I'm reading many complaints about Chase, it made me look at Wells Fargo complaints as well. I think all big banks are crooks... As I'm from Gilbert as well...which branch (address) did you work with. The closest one to my house is on Val Vista/Warner. Most of the complaints I'm reading are from people who have tried a remodification, but crooked is crooked---scared to try refinance, and get into a huge hassle and mess. I'm definately looking to find a bank where I can go to talk with people, and not refinance over the phone--which is what Chase is doing right now.