Wells Fargo Home Mortgage claims a {$17.00} late fee for XXXX 2015 was never paid. I paid that fee plus {$0.00} in additional escrow as I specified on my mortgage stub. Bank then added them together and put {$17.00} in " Unapplied Funds '' claiming XXXX late fee was never paid. They use this tactic repeatedly to make it appear borrowers are in arrears falling 3 months behind in late fees so they can accelerate mortgage payment and/or begin foreclosure against borrowers. 
