Closing costs? As In your mortgage?
1) who has your mortgage?
2) how much was it?
crook county has screwed up peoples pin numbers for their mortgages (me included). Wells Fargo flat out LIED to me saying they were refunding a check of $800+ to me because they nada build up of my escrow. Turns out, crook county changed my pin number, and my taxes were not paid.
The web site to check your current tax bill, by the way, is:
Cook County Treasurer's Office
As an aside, I've spent a fair amount of time recently sitting around in the County Clerk's office, where unpaid taxes go to die, and in the County Division courts downtown, where they go to turn into tax deeds, and I've been hearing a lot of this sort of thing: "the mortgage company was supposed to pay, and never did." If you're in Cook County, you should be getting the tax bill directly from the county, and that's your best first chance to check it for any obvious errors (tax of $75 on a three-bedroom house is usually wrong, for example, and will come back to bite you) and to check it against your escrow numbers if escrow's supposed to be paying it. Then send the bill on to the mortgage company to get paid. Bank of America should pay anyway, but if your mortgage is with Podunk State Building and Loan and Pancakes, or some similarly illustrious institution, they may need the reminder.
Above all else, if you are not getting your tax bill, check the Treasurer's office to see if your address is on your PIN. If it is not, GET IT FIXED TODAY. That's your best first defense against your taxes going unpaid, and all the heartache that comes with.
Enough PSA; back on topic. I know that B of A and a couple of others have been getting into trouble for various shenanigans that they either got into directly, or inherited, related to charging closing costs. There are rules in place, apparently, that are meant to keep them from getting you over a barrel on closing costs: something along the lines of, if you set up the closing, you can't charge more than cost for the closing services, something like that. I think B of A and friends have been getting hit on that by people trying to sue their way out of their mortgages. They may be scrubbing their books and trying to get their closing costs down to an unquestionable level.
This is all guesswork, but it's the best reason for it that I can think of.