I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again. 
