<prompt> Human: Not sure of proper flair for this one. I received an escrow review statement this month stating that I would have a 2000 shortage in my escrow account next year and that on top of that my escrow account would be 120 more per month even after fully paying the shortage. Looking closer it estimated my property taxes at 6500 for the year. The problem with this is all taxes are paid for 2017 and came out to just over 4400. After speaking with the county and finding out taxes will not go up I called Wells Fargo to get justification on the 2000 increase. Their response; we ran an analysis on the taxes and the 6500 is what was determined to be next years taxes. After a 25minute conversation giving her word for word and dollar for dollar figured from physical paperwork from the county she called her tax department for a second time. This time they informed her that the review statement was not supposed to come out yet as they didnt have the updated information readily available as the county had not set in stone its taxes on paper for 18 yet. Based on this. Has anyone else run into this problem with Wells Fargo? And if you havent, I would strongly suggest taking a look at your papers, as if I did nothing they would be holding onto roughly 4500 for me that would be unusable for me but a gain for them even if temporarily. Assistant: So, I wouldnt say I ran into this issue with Wells Fargo, however, US Bank also hit me with shortage in escrow and increased my bill by 120. I think I should look into this too...Human: I absolutely would. Paying 2400 on top of whatever the shortage is could go a long way towards an investment, an emergency fund, or even principle on the mortgage. Even if your payment ends up going up 100, its still 20 a month you get back for whatever you want to use it on. Assistant: You cant really save money by paying less into escrow. It all comes back to you in one form or another.The cash flow is an issue. But the interest is not worth caring about these days.Human: Of course you can save money. They are overestimating roughly 4K because of a potential shortage that is only created because they overestimated property tax by 2k. Its not like I will be close to paying that amount next year after I have already spoken with the township and county and they told me that number projected was absurd.  <response>: What udanweber is saying is that by law your bank will have to refund the overage at the end of year if large enough. The opportunity-cost of losing 2400 for a year, is pretty low given current interest rates.Escrow isnt money you pay to the bank. Its money the bank holds for you to pay bills you owe. So wells fargo just cant keep the extra money as profit. Though, again, as udanweber pointed theres cash flow impacts to you and wells fargo as a result.Regardless, this is pretty shady and lazy of wells fargo. Ive had to call wells fargo about similar issues on my escrow. 