I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure. 
