Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

VA mortgage Loan servicing, payments, escrow account North Carolina

I have a home mortgage with Wells Fargo Home Mortgage ( I did not apply for a mortgage with Wells Fargo, they acquired it ). I am paying bi-weekly with additional principle added to each payment in an attempt to pay my mortgage down as much as possible before I retire in approximately 13 years. Recently ( last 6 months ) Wells Fargo has let this additional money accumulate in an Unapplied Funds Balance '' and does not apply it to my loan balance. In - I called and complained when the Unapplied Funds Balance had reached $3500.00 ( enough for - full payments ), and they finally applied the funds. Now on my - statement the Unapplied Funds Balance has reached $2600.00 ( - payments ). I believe this additional money should be applied to my principle and is costing me interest charges. I also believe this action by Wells Fargo is intentional as a result of a previous home mortgage that they held ( acquired ) on a previous house of mine that resulted in foreclosure because we were $80000.00 underwater on the house value after the 2008 crash and my wife 's - diagnosis which resulted in her going on -. We are currently in Chapter - Bankruptcy as a result of this foreclosure.