WELLS FARGO CASH MORTGAGE PAYMENTS NOT ACCEPTABLE AS A FINAL PAYOFF / CASH PAYMENTS NOT BEI;NG CREDITED IN A TIMELY MANNER PHOENIX ARIZONA

It seems as if this is the order you did things. You looked online to what your balance was, you requested a payoff letter(they don't just send these unless you request it), you went into the bank to make cash payments, you then received the payoff letter.

The thing you seem to be missing is that the letter was most likely generated BEFORE the payments could have been applied in a timely manner. Where unless you know of some new fangled technology there is no magic wand to change an amount on paper that is curreintly going through USPS(or how ever it was being sent).

Now, I may not be right on the bullseye, but I bet I am at least on the target.  It comes down to a timing issue in how you are doing things.

As for the cashsiers check as the final payoff, that is really standard practice among every bank. Even though you are saying "but..but..but..it is cash", I get that but with every bank I have ever dealt with a Wire Transfer or Cahiers check is the way it is done.  So this is not just a WF thing.

The real question is why(or how) are you coming up with all of this "cash"? Why did you need to make 3 cash payments in 2 weeks? This wasn't a few hundred dollars, this was over $10,000(a very important number...if you read on). Why couldn't you just do a single transfer from one bank account to another. I had WF and have external accounts set up to transfer funds for my Mortgage, so it can't be that. In fact your payment pattern could be reason enough to raise some "red flags". Because of various regulations it could be seen you are trying to get around these payments being reported to the appropriate agenices(ie. The IRS).