What's your status? Did you ever file your complaint with the Comptroller of Currency? I just got letter from them acknowledging receipt of my complaint and that they are reviewing it and will be contacting WF. I've gotten no where with WF and they keep coming back with the whole we are sorry but the investors will not allow a modification and that our DTI is under 40% --- well of course because they only take into account the first mortgage payment and any HOA fees and no other bills like the second mortgage! Ummm...no wonder they are denying everyone because realistically if we REALLY DID have only those two bills we'd all be able to afford our payments! I'm going to keep filing complaints after complaints until they get sick of being contacted by all these different agencies.