Wells Fargo & Company Mortgage Complaint

Wells Fargo & Company Mortgage department,

Other mortgage Settlement process and costs California

11 yrs ago. I purchased a house under - - bank. They offered me - loan ( line of credit ). They did n't disclosed me the line of credit of 20 % loan is interest only locked in for 10 years. I had tried refince the loan several times but no avail. So I ended up paying interest only last 10 years by automatic withdraw from my bank Amount of - of principle of -. Since it was automatic withdraw from my account I was not able to pay additional lum sum pay toward my principle After 10 years the bank initiated me to offer refinance at 6.19 % 30years loan. My complaine is why I was not able to refince the loan during last 10 years and ended up paying half of the principle amount of loan and bank is now offering loan at the higher rate? Here is my calculations Principle loan : $100000.00 Interest only last 10 years paid -. Now 30 yrs loan At 6.19 % will End up paying $230000.00 plus $50000.00 already paid