My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes. 
