<prompt> Human: Not sure if this is the place to go, but I was recommended to come here first. I need advice...I closed my escrow account with the bank 2015. They recently contact me, some 32 months later, claiming that they mistakenly made tax payments on my behalf in 2016 12 months and 2017 18 months after I closed the escrow account for around 2,500. They did. They only found out about the mistake after they were audited. Now they are hounding me for the repayment of 2,500. Am I liable to the bank?  <response>: If they kept paying the escrow for you and you didnt make payments for your own taxes, yes you owe them. Bank errors where you are gifted money doesnt end up being free. 