We paid off our mortgage balance 8 days after the March 1 payment had been made and applied. Instead of charging just 8 days of interest on the remaining balance, they charged a full 31 days of interest before applying any of the funds to the mortgage balance. We should have paid $187 in interest - they charged $714. They won't make any adjustment and/or admit they over calculated the interest. They maintain that we failed to request a payoff quote prior to submitting our $228,051.00 lump sum payment. I maintain it would make no difference - they received the payment on March 8 and should have calculated the interest for 8 days regardless of whether or not there was a small remaining balance which would have easily been paid off with $2,958 escrow funds they held. By holding our escrow funds for an additional 30 days, we were then obligated to pay an additional $411 to pay the first half of real estate taxes. Subsequently, they have failed to remove themselves as the mortgage payees on the insurance and/or real estate tax files. A copy of the actual transactions is attached showing an overcharge due to us of $527.