如题，今年又收到信说escrow要涨，说什么我们这个账户有shortage，可是明明home insurance 和property tax没怎么变。晚上和老公研究了一下，发现银行暗搓搓故意miss掉一个月的payment，让我们的balance当时看着不够，然后说我们shortage，今年要多交，之后在悄悄把这个月补上。不知道有没有相同经历的姐妹呢？好无语啊。这是我在美国论坛找到的相同情况，比我讲的清楚点。可是真的不知道怎么办。。。 I have exactly the same issue. Essence of the problem is that WELLS FARGO IS CROOKING ESCROW NUMBERS BY IGNORING ONE LAST PAYMENT. It works this way: Wells Fargo eliminates payment for the current month from the list of actual and projected payments, what makes balance to look low. If you add this payment to the schedule it will be not shortage off-course. Wells Fargo representative (in my case it was a lady named Jessica) was claiming that this last payment was counted somewhere else. I checked with Excel and found that it was not. It just was one payment missing. The basic trick is that Wells Fargo ignore one valid payment to make escrow balance look less. If you got a shortage notice from Wells Fargo pay attention to the list of payments they counted for your escrow, you will notice one (only one) payment that is missing on page 3 of 4 of the notice. This payment is marked by small number (1). This is where Wells Fargo has cheated you. Do not even bother calling them. Their representatives are trained to openly lie to you about that this payment is counted elsewhere. They will tell you but will not be able to say where.
I have exactly the same issue. Essence of the problem is that WELLS FARGO IS CROOKING ESCROW NUMBERS BY IGNORING ONE LAST PAYMENT. It works this way: Wells Fargo eliminates payment for the current month from the list of actual and projected payments, what makes balance to look low. If you add this payment to the schedule it will be not shortage off-course. Wells Fargo representative (in my case it was a lady named Jessica) was claiming that this last payment was counted somewhere else. I checked with Excel and found that it was not. It just was one payment missing. The basic trick is that Wells Fargo ignore one valid payment to make escrow balance look less. If you got a shortage notice from Wells Fargo pay attention to the list of payments they counted for your escrow, you will notice one (only one) payment that is missing on page 3 of 4 of the notice. This payment is marked by small number (1). This is where Wells Fargo has cheated you. Do not even bother calling them. Their representatives are trained to openly lie to you about that this payment is counted elsewhere. They will tell you but will not be able to say where.
不太可能吧！这么大的银行，不会盯着这几个小钱的
谁还特意去给你悄悄地干啥啊。servicer都这样，雇高中毕业大妈大叔，能做出帐都不错了。
你要是不高兴，让他不要收你的escrow，你自己到时候交property tax 和 home insurance就好。
虽然平均到每一家真的是没几个钱，但这样的做法确实算是小手段了。犹太人律师最喜欢和银行打这样的官司。
我家必须多交10到20%在escrow里，还有比这个更恶心的吗！还不能取消自己交
这才是事实。银行有这笔钱在，立马增加它可以带款出去的额度。你存10块它可以贷出20。要不为什么没escrow account的利息会高一些。Wells Fargo尤其以这些卑劣手段出名，要不今年怎么被罚款冲破银行被罚历史记录了。
取消它家的escrow 的付钱的，虽然有一些银行不需要付费，付款半年记录好。
在乎投资的人当然在乎Wells Fargo 这个伎俩了。
晕，不懂不要乱说。wells fargo银行和wells fargo mortgage servicer是两个entity，财务和金钱不能混在一起的。escrow的钱也不能去放贷，只能按照银行policy放在指定的money market fund。
servicer就是一个pass through，只能收服务费，不能拿钱去周转的。。。。
Re 这个
办贷款就没用eacrow，税自己交
现在都是自己交 每年三笔tax一笔保险心里清清楚楚
好多地方税是不可以用信用卡交的，insurance应该可以 ---发自Huaren 官方 iOS APP
我这个没有看到有利息，我要好好再看一下。
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它总额是对的，就是每年调整那个月它计算的时候故意miss掉这个月，然后账户就显示预估明年会有shortage，然后说escrow账户从现在开始每个月涨。这样子。我表达太差，见笑了。
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我们也是这样的，很头疼啊～
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我们当时没经验，稀里糊涂就签了，现在想想要是提前研究下就好了。
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mm用的是哪家银行呢？
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反正我是特别喜欢escrow account，省心。。。