We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear. 
