In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with this? 
