HSBC mortgage recently told me a new company is handling my escrow account and i received the analysis from them and there is a shortage I disagree with. The yearly county tax has always been paid by my town in January and the estimate by the mortgage company is in February. Well the company now says it wants to move the estimate up a month to January which now has created a shortage in the required reserve of $350. I feel i do not have to pay this because the shortage was created by them by estimating my loans escrow at 11 months and not the 12 months like usual.At 12 months the reserve would be fine.Is this a violation of the parameters of the loan some how? To me this gives them the freedom to create a shortage anytime they want to get money from people.Call the NYS banking authority?