For 13 years I have had no problems what so ever. Last month I had an issue with my bank account so I opened a new one and re-set all my automatic withdrawals cancelling the old ones. I called my mortage company explained what happened set-up the new one and got a confirmation letter that the old automatic withdrawal was closed and the new one opened. Well what do I see when I check my bank accounts? The rotten, stupid, blanking mortgage company took the payment out of BOTH accounts. I just spent an hour on the phone with these idiots only to hear "oh were sorry we can't refund the money". So now I am overdrawn in the old account and I had to put a claim in with my bank. I told the mortgage company to cancel all auto withdraws and they can now wait for a check which they were not to happy to hear. At least the bank is being very helpful and will void any overdraft fees. Not that I am using it much only had a few hundred in it for gas and coffees. Thanks for letting me vent.