Hello, We are not sure what to do.. We think we are being scammed by Wells Fargo-we have been paying them for over 9 years and nothing has gone to the principal on our home on an {$85000.00} loan. We still owe over XXXX. We can get no answers from the and we also told they service the loan only. We were told by a rep that he could not disclose to us who owned the loan. We looked up on XXXX to find out who owned the loan and they told us Wells Fargo took it in 2007, which is what we understood when we refinanced our home to do improvements. We have had nothing but trouble with them-impossible to get answers and communicate. We have asked about getting the interest rate lowered by refinancing when the rates were so low but got the run-around. We have spent so much time on hold and being transferred, ect, ect, we are worn out and hve given up many times due to frustration and keep on paying. We have never been late except XXXX time when WF took out XXXX mortgage payments-we had to fight them and they said the only thing they could do was return both payments and then take out the one we owed. When they did this, they reported our payment as late when it was not. We have never been able to get them to correct this. We are worried they are not applying our loan payments correctly. 
