This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year. 
