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None. I have purchased a home and Wells Fargo is the financial institution servicing the loan. I pay roughly an extra {$500.00} to be specifically placed in my escrow account. In XXXX of this year my home insurance was renewed by the lender and they sent me a refund check for the rest of the money in the escrow account. I called and I spoke to someone letting them know that the refund was a mistake since the property tax and the mud tax were not paid and the escrow balance is now XXXX. The person assured me that they had the money in the account once again I reemphasized I did not think that is correct. The bank subsequently went ahead and paid the mud and property taxes now the escrow is negative almost $ XXXX, I called and I was told they advanced me the money which I clearly did not nee