XXXX  My Mortgage was refinanced by Wells Fargo Home Mortgage five years ago.
XXXX.  I make my payments at the bank branch which was opened close to my home.
XXXX  The bank receives the payment but sometimes the payments are not applied immediately to my mortgage account.  
XXXX  My bank on which my check is drawn pays Wells Fargo Home Mortgage the check on the same day that it is presented.
XXXX  Although the Mortgage Note states that I can pay by the XXXX of the month without incurring late charges, I have multiple late charges posted to my account;  even though I have made only XXXX late payment.
 XXXX.  One month I could not make payment at the regular scheduled time.  Payment was made XXXX of that month.
XXXX  I have asked Wells Fargo Home Mortgage to waive the late charges that were caused due to their banking system's posting of my payments.
XXXX.  I have through several telephone calls requested that the late fees be waived.
I want to also state that the paper on which Wells Fargo Bank prints its receipt for payments received is either light or heat sensitive because after time has elapsed, the ink fades.  This affects how the customer can validate the statement which shows the bank being in receipt of the funds, but said funds not posted to the mortgage account.  Hence incurring late fees unnecessarily.