5/3rd Bank Mortgage Company - Fifth Third Bank Account opened August 2008. Received a bill in February stating escrow shortage started in October when 1st payment was due. I had to pay almost $2,ooo. Cincinnati Ohio

I purchased a home August 2008. I'm using 5/3rd Bank as a lender. I received a letter in February stating my escrow account had a shortage of almost $2,000. I called and a customer service rep. stated the shortage started in October when my 1st payment was due. I was told by Maria Barriga,( my mort. rep. )that it was due to 2007 taxes and home owners insurance. I asked how that happened if everything was done at closing. I have been calling 5/3 rd Bank and no one can tell me much more of anything. I have been requesting statements since the account was opened and have not received any. I also wanted to know how the account acquired a shortgage within 2 months and why wasn't I notified sooner. I've talked to the title company, and the township that submits real estate taxes and I was told "you have to pay whatever 5/3rd asks". If I didn't pay the full amount my payments would be about $300 higher.
I'm now told to contact the real estate lawyer.

Pamela
Chicago, Illinois
U.S.A.