In 2005 I entered into a Smart Fit refinance loan with Wells Fargo Bank. Under the agreement I was to pay just the interest on the principle. At the end of the XXXX years they automatically rolled it into a XXXX year fixed mortgage at a 6.05 % interest rate. They have no record of contacting me about the change. As if this were not bad enough they want {$660.00} per month for XXXX years on a {$55000.00} principle amount. All calculations I find at this interest rate on the principle come to only an average of {$440.00} per month. My online account does not show the conversion to a XXXX year mortgage nor does it breakdown any detail of what is included in the payment. Only referring to them as fees and charges. All correspondence with Wells Fargo has gone no where. 
