Wells Fargo ( WF ) did not submit payment to my hazard insurance company ( from my escrow account ) in time for the payment to be processed before the due date. I found out about it when I received a written notification from the hazard insurance company notifying me that " my policy expired because they did not receive the minimum payment required to continue coverage ''. I had to spend almost XXXX hours on my cellphone talking first WF, then to the hazard insurer, then again to WF to find out what happened. WF told me they remitted payment on XXXX XXXX ( which is what my escrow acct reflected online ) but the hazard insurer sent me proof the payment was not received and processed until XXXX XXXX ( 20 calendar days later ). WF later admitted they normally remit payment 7-10 business days before the due date ( which was XXXX XXXX ) ; however they were unable to explain why they did not remit payment until XXXX XXXX ( only 6 business days before the XXXX XXXX due date ). The hazard insurer also had no knowledge they should have been billing WF directly, rather than me, the borrower. This is something that WF should have informed the insurer of, especially to ensure the correct mortgagee clause is included on the policy. As an educated person in the financial sector, I expect my mortgage lender to accurately and timely remit payments on my behalf when they require an escrow account. 
