Wells Fargo Bank has reset my loan to allow for more interest to be paid up front. Changing the loan number as I enter the last remaing years of my mortgage. I have a negative amortization loan that was converted from a fixed to a arm in 2006. I requested several modifications and have been denied for every reason. I have now discoveved as I enter the fully amortized payment they have changed my loan extended my term for a additional 22 years and have changed the payments which now allows the majority of the payments being applied toward the interest. They have changed my loan number to XXXX and have reset the payments to collect more interest up front as oppose to having the majority of the payments being applied toward the principal as it should now. You can review the amortization scheduke for both loan numbers and see the descrpency, 
