One of the most powerful tools in a consumer 's box is the ability to pay down mortgages early. For many years I have gained equity at an amazing rate by taking my monthly mortgage payment, cutting it in half, rounding up a few dollars and making a half-payment on the first and XXXX of the month. Doing this causes my payments to apply to my principal at a much quicker rate, cutting years off my mortgage. 
I refinanced my home a few years ago in an effort to do business with a local bank, XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas, and not XXXX the big nationals that caused the financial meltdown. I made it clear how I wanted to make my payments, and they said it would be no problem. Then they sold my mortgage to XXXX the worst offenders of the financial crisis, Wells Fargo. 
Wells Fargo does not allow the immediate application of half payments, instead holding payments until an amount equaling the entire payment has been received. 
This has resulted in them receiving a payment on the XXXX of the month every month for the past XXXX years, holding it until the XXXX of the month, then adding it to that half payment and applying it to my account. This has cost me many XXXX of dollars, and I am angry about it. Wells Fargo refuses to change for me. 
I tried to refinance through XXXX XXXX XXXX, where they used to do it my way, but they no longer offer this service. I 'm sure if I go to other institutions they will sell my mortgage to one of the big banks who no longer apply payments as received. 
Can you help? 
