I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war. 
