I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX XXXX 
