PMI Removal - Wells Fargo Mortgage

[Ashish G.]

I have a PMI on a mortgage with Wells Fargo. In my recent appraisal done by them, my equity is 28%. But they are saying that I have not done any significant improvements and hence they cannot cancel the PMI. Can they do that? I thought as long as LTV is 80% or below, by law they need to remove the PMI.