Stupid or Incompetent?

Or maybe just arrogant. This story makes you stop and think about what's going on in the minds of bankers these days. The set-up:

When a Philadelphia man became fed up with his bank for failing to respond to his mortgage questions, he took them to court and won. In a twist that will warm the hearts of millions with underwater loans, he moved to foreclose on Wells Fargo's local office.

The saga began in 2009, when Patrick Rodgers first wrote to Wells Fargo, requesting itemized information about the mortgage on his home in Philadelphia. His homeowners' insurance provider was forcing him to take out a $1 million policy on his home, which he maintains is worth far less than that.

Over the next year he sent at least four letters to Wells Fargo from June to September and got exactly no replies.

I guess they were just too busy to respond. Rodgers now has initiated a sheriff's sale on one of their offices. And their reaction?

Adams responded with an email to ABC News explaining that Wells Fargo "could have handled Mr. Rodgers' very unusual situation better."

"We're doing our best to resolve everything to everyone's satisfaction," she wrote.

Duh.