I have reached out to Wells Fargo to get a better understanding of how this loan was structured, to better understand why the loan amount wasn't reducing after XXXX  years of payments. I have paid XXXX of a XXXX loan and they still have me owing XXXX, this have the appearance of of a predictor lending practice. I have inquired about the loan with their representivies and receiving no positive results. I have ask them to sent me a copy of the contract, because my copy was lost in our storage container. I don't remember the total amount of the Car minus my trade in, however the interest rate was supposed to be fixed at XXXX XXXX. I don't understand how they are making their calculations on this loan agreement, and this is why i need your assistance.