Wells Fargo runs their escrow analysis in XX/XX/XXXX and refunds you any overage in your escrow account. Your payment for the insurance and taxed are due in XX/XX/XXXX and therefore the escrow account will be low, which in turn causes a shortage and thus not only do you have to pay the escrow shortage, the mortgage also increases. The explanation seems beyond reason that the consumer must continue to have and increase in their mortgage when it show only be the shortage from the escrow account that needs to be addressed. 
