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I'm surprised you were able to close on the original Mortgage. The title search should have razed a red flag with your bank and stopped the hole proses. there are several lessons for new homeowners here.
First : Escrow accounts are a mortgage co.'s way of making sure YOU pay the taxes and more impotently the insurance on a property. This insures that they are protected in the event you run out of money to pay them. This does not protect you when they forget to take the money out of the escrow account to pay the taxes and insurance. Do your self a favor, close that account and take care of your bills your self. it's more work but it's better than trusting some one else with your home.
Second : any time you talk with someone From whom you can expect the right answer about your Mortgage, taxes, Bank accounts, healthcare, estimate for any work, Legal advice ext. Get there Name, Title, and if possible get it in writing (at least E-mail) It's hard to argue with someone that has they're name on a document they wrote.
It sucks to learn about stuff like this the way you did. Your not alone. I've had my insurance laps and still have a mark on my credit report because of a bank that "failed" to pay bills from an escrow account that I had paid up in full. Don't trust anyone with your money!
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