Our mortgage was sold to PHH Mortgage over 1 year ...

Our mortgage was sold to PHH Mortgage over 1 year ago. I had given approval for automatic draft to the prior lender so apparently it transferred to PHH Mortgage. A couple months in I was told that I didn't have sufficient escrow allocated so set up a higher automatic payment per month with them. For several months my savings account was drafted twice -once for the prior and once for the new amount. I called several times to sort this out and each time they gave me a different explanation. Finally I put a 'stop payment' for one of the payments through my bank. Now they are charging me $50 service fee for this, even though they acknowledge that my account is in good standing. They say there is no record of me calling to cancel one of the two payments!?!? Months of frustration with this company. I refinanced for the same rate just to get away from this company. I cannot prove it because I'm not an expert but this company seems to have fraudulent practices. I will never deal with them again.