We had refinanced with another mortgage company and closed before our payment was due - payoff figures had been created and signed for when Specialized Loan Servicing decides to ACH the payment 4 days after the date of closing - even when they knew we were leaving them and the payoff figures had been calculated. When we called they said the money was included in the excess escrow we signed for with our new bank. The amount they took was not included in that check, not possible, as it was an ACH from our bank monthly mortage amount and they are not wanting to return the money. When we called their Customer Service Department they said lucky we called because they would continue to draft the ACH out of our account. Crooks! Tried to dispute it with our bank, they couldn't do a thing. We just want our money back. We earned it and it does not belong to them. The deal with them is over, all fees had been paid in full and they are holding something that does not belong to them.