I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.