I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX. 
