I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly. 
