The end of May I contacted my mortgage company, GMAC, to make a payment by phone. The woman who assisted me was very clear, she confirmed the amount and provided me with a reference #. A few days later I noticed the amount was approx $1400.00 more than the authorized amount. I immediately contacted GMAC. I asked the assistant to have my account credited to avoid the overdrafts that would be occurring. She explained a particular dept had to review the findings and then take action. She advised I needed to put my request in writing. She provided me with the fax # and name of the dept to send it to. I faxed my request the next day. I called back after 3 days and continue to get the run around. They sent me $64 to cover the overdraft and said I never asked for a refund of the $1400.00.