The government launched a $50 billion program back in March to help up to four million homeowners modify their loans to get lower mortgage payments.
Officials say as of last week, only 9 percent of eligible homeowners have been given a trial modification under the program.
San Francisco based Wells Fargo admits it fell short of customer service goals in some cases. The company says its,"aim is to sign up most borrowers for the plan with one phone call. And plans to send customers a trial within two days."
Bank of America has not commented.