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Q. CitiFinancial sent me an escrow analysis that shows they paid my taxes in August 2010. However, Cook County, Ill., where I live, has not even issued the tax bills yet. Citi's flawed analysis leads to a higher monthly mortgage payment of about $30 per month, beginning in November. They have not been helpful in resolving this issue: First they didn't understand what my issue was (customer service to somewhere overseas); then they sent a letter saying they paid the taxes and their analysis was correct, then they sent a letter saying I have two different balances for my escrow account – an actual balance and the estimated balance with the taxes deducted as of the date they ran their analysis.