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hmmm, sounds like a very strange bug. I would really recommend making a bug report. I think you can likely fix this yourself. For the starter towns there are some easy tricks in reaching the refugee.
Vulkhel guard: use the wayshrine travel to travel to the harborage (yes you can use the map icon as a wayshrine to travel there). The refugee entrance is strait north.
daggerfall city: Travel to Baelborne rock wayshrine and travel directly west to the refugee. make sure you don't use the bridge, cause that one leads to the gates where the guards are.
Davon's watch: As the wayshrine is outside the city, travel to the normal one, do not enter the city, but first go youth to take some distance. then go west and north to the refugee.
When in the refugee, pay a fence to get rid of the bounty. If that doesnt work either, really contact support.
Through me you pass into the city of woe:
Through me you pass into eternal pain:
Through me among the people lost for aye.
You might wanna try avoiding the cities for a while if you don't have the gold to pay it off. It'll just keep growing bigger if you keep getting caught by the guards. Try getting some gold on a different character then getting a friend to bounce the gold back to you through the mail. You can collect it with your wanted character and have them pay it off. Just make sure you're not a fugitive from justice or the guards will murder you one last time before taking the gold from your corpse.
THE DOCTA MCSAUCE OF NERDSAUCE Sorry bruh, I can't heal stupid. Xzien - Argonian Templar, Healer, Master Crafter Stop-Hitting-Yourself - Argonian Templar, Tank Kara Al'Ruk - Dunmer Sorcerer, Stamina DPS Daro'Zharr - Khajiit Nightblade, Murderous Kleptomaniac
I run the Tamriel Trade Center guild to organize scanning. Message me in-game at @Docta_Mcasty if you want to help out.