Slightly OT: My first mortgage, many years ago, was bought by what was then NationsBank (now part of BofA. They ran a grift with the escrow account. Per the mortgage agreement, I had to escrow two months of taxes and insurance, which amounted to about $500 (the good old days!). Over time, they repeatedly demanded additional deposits into the escrow account, until the balance was nearly $5000.
After six months of phone calls and letters, in which I documented their malfeasance, they agreed to drop the escrow requirement entirely and returned the balance to me.
Some time after that I received a form letter from some law firm which was pursuing a class-action case against NationsBank for their abuse of escrow accounts.
The more things change . . .