I have a home equity line of credit. I used it to pay off my mortgage to reduce the interest rate. Both the line of credit and the mortgage were with Wells Fargo. Both debts would be paid in-full had Wells Fargo not arbitrarily frozen the line of credit after the financial crash. I have excellent credit and have never been late on a payment. I met all terms of the agreement. Instead of being debt free, I still owe approximately {$23000.00}. There was and is a contract. What law gives Wells Fargo the right to unilaterally change the terms? 
