We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why. 
