We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is. 
