We refinanced through the HARP program into a 30-year fixed rate mortgage. After a history of paying our mortgage in a timely manner, the company decided to accept payment itself rather than have another company collect payments. When claims of late payment came starting in XXXX, I called and supplied proof that all payments due were made in a timely manner, and received. Nevertheless, they continued to harass us with late payment notices and fees. We allowed them to do automatic deduction from our account to make future payments trouble free while we clarify the history. Though we made the XXXX 2015 payment in XXXX, they took another payment on XXXX XXXX for the XXXX payment. And even though we supplied information again to prove we had paid, they refuse to refund the {$2000.00}. 
Also, I had paid off the year 's insurance and asked them to reduce the monthly amount due because our escrow account need not provide for insurance. Instead, they increased the monthly payment due. I am not sure if we were taken advantage of in this respect. 
