I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair. 
