Wells Fargo Bank Wells Fargo's doesn't take responsibility for their errors. Encinitas, California

We refinanced our home and at the time of this we asked our sales representative to include an escrow account, or better known as an impound account for taxes.    In june of this year, we received a late notice from the County of San Diego tax assessor.  Stating that we had not paid our taxes.  I took the letter into the bank and spoke with our loan represenative, much to his surprise, he informed me that they did not set up a impound account.  He informed the woman on the phone from the bank, that there must be some mistake, that we definatly requested an impound be set up.  The loan representative was very well aware that we requested this.  Wells Fargo agreed to advance the taxes and informed me that they would pay the LATE PENALTIES.  So now Wells Fargo sets up the impound acct, because they need to so, that we can pay the loan from Wells Fargo back. But we have informed them that now, we do not want this because-it is going to raise the payment monthly because of all the back tax money they want to bring the impound account current. THEIR ERROR.  This was Early June, when we received the late notice.  We paid the money back to the bank, less the penalties.  SO now they want us to continue with this impound account, now increasing our monthly payment.  THey owe us $272.00 penalties. They will not pay us, nor will they close the account.  Oh by the way.  We apparently signed a document, stating that we did not want the excrow account, but as we have found out, this document should have never been in the file.  I have requested this money back, or they could just zero out the impound account, so that we may close it.  They will not do either.  What Wells Fargo does is pass the buck.  The sales representative will not answer calls from us, his supervisor just sends letters telling us to contact Customer service.  The managers, manager will not return calls. 

We are being held hostage- now we will be stuck to pay extra money each month that is not what we agreed upon, and if we don't we will incur late fees on our home loan.  We want them to just either refund the penalty to us, or Zero out the Impound or Escrow account.