I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance. 
