I had a mortgage from [protected] with Wells Fargo and I never did an escrow account or had any issues. About that time they started making errors with my other accounts (checking and investment) so I left Wells Fargo, I removed all my accounts. I refinanced and went elsewhere. Wells Fargo bought my mortgage back against my wishes and I could not afford to refinance again. About 3 years ago I found out that they charged me invalid late fees for payments wired to them or made in person at the bank on the 15th. When I asked them to look into it, they did not fix their errors, they set up an escrow account and claimed I did not have insurance. I did have insurance, so I contacted them and asked them to remove the escrow account and fix the late fees, so they increased the escrow account significantly. So I wrote another letter and this time, they went and increased it again, paying taxes that I have handled myself since 2001. I have paid them every single fixed interest mortgage payment, have not missed a single one, I have reimbursed all the taxes they had no right paying, yet they still are accusing me of being behind and not paying the mortgage by refusing to get rid of the invalid escrow account. I even sent them bank statements showing them my insurance payments. I have been trying to get this straight for 3 years. They flatly refuse to assist me.