Several months ago, we notified Bank of America that our property taxes had been substantially lowered after reaching age 65. We provided proof from the tax assessor's office. They refused to lower our mortgage payment to reflect less escrow needed to pay those taxes. They claimed they only do that once per year in October or some nonsense.
Now we have received a letter from them that claims their analysis shows we will have an escrow shortage and are RAISING our mortgage payment, claiming our property tax is increasing over $10 per month. You can't make this stuff up.
DO NOT get your mortgage loan through these people. They are impossible to reach and deal with. They are obviously liars and cheats. Beware.