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Escrow, taxes, or insurance. Umpqua Bank did not provide the required escrow analysis for our loan XXXX the XXXX billing statement ( XXXX ). They stated that they were " having issues with their vender '', so none of their customers received a XXXX statement or escrow shortage Disclosure statement. Umpqua Bank adjusting my monthly payment on XX/XX/XXXX to include the adjusted taxes & insurance increases, as well as the escrow shortage without providing 30 days required disclosures, and options to pay the shortage in cash or request it to be added to my payments. I noticed the increased payments on XX/XX/XXXX when I went to make my XX/XX/XXXX payment. I had to call several times to receive the verbal response of, " your payments were adjusted due to an escrow shortage for taxes and