On XXXX XXXX, 2015 I refinanced a loan held by Wells Fargo home mortgage company. It was paid in full by the new mortgagor and the excess escrow funds, totaling over {$6000.00}, were to be refunded to me by Wells Fargo. In nearly a decade, every monthly payment due to WF was made early. When the escrow funds did not arrive after more than two weeks, I called on XXXX XXXX and was told that the status of the refund was unknown, but a check 'is usually ' issued within 15 days after closing. After waiting several more days, I called on XXXX XXXX to inquire about the status of the funds. It seems that the bank 's records indicate that the funds were disbursed on XXXX XXXX, and 11 days later their location was still a mystery. ( How the bank did not know that the check was supposedly mailed a day before my call on XXXX XXXX is a head-scratcher. ) As of today, XXXX XXXX, 2015, more than 3-1/2 weeks has gone by and the bank seems unable to account for my money. I have requested a wire transfer of the funds to XXXX of XXXX other WF accounts ... both in the same names as the mortgage, but WF has refused, stating some concern that the mortgage is in XXXX names, so they can not do a wire transfer. XXXX ... .the names on the checking accounts and the mortgage account are the same XXXX people..my wife and I. 

It is becoming clear to me that WF may be holding my money in a float account in order to earn interest on the funds, while paying me zero interest to the funds owners. If every escrow account is similarly held for at least 15 days, and perhaps longer, the total figure is substantial. A bank who invests substantial money in creating software that bounces the maximum number of checks in an overdrawn account ( to maximize the fees they can charge ) gets little benefit of the doubt from me. 
