Fifth Third Mortgage reported a missed payment on my credit report because I had an escrow shortage of $34. I have paid my mortgage on-time for over 8 years. I wasn't receiving my mail and so I was unaware of this escrow shortage. I made my usual mortgage payment in February 2021, thinking everything was fine. Throughout February, I received phone calls that said "scam likely" on the caller ID, and so I answer the calls. Eventually I did answer one of the calls, and the representative said I didn't make my mortgage payment. After telling them that I did, they noticed the payment was received, but because it was short $34 (due to an escrow shortage), the payment was listed as unapplied. The representative said that they could go in and apply the payment, so it will show that it is paid, and that I would need to make up the $34 shortfall. Additionally, they waived the late payment fee that as applied to my account. Because they called me on the weekend, I ended up calling-in Monday, March 1, and made the $34 payment. A few weeks later I noticed a 30-day late payment was reported to the credit bureau's and it dropped my credit score 55 points. I am in the process of refinancing my mortgage to a lower interest rate, but because of the negative report on my credit score, and a late payment on an FHA loan, I am unable to refinance to another FHA loan, and I am unable to qualify for a lower interest rate. This $34 shortfall will end up costing me $25,200 over the life of my mortgage loan.