<prompt> Human: Ive been looking forward to making my final mortgage payment next month, however yesterday I received mail from my bank stating that my mortgage had been paid in full. I went online to look and there is indeed a zero balance, along with an extra transaction for 7 which is the account closing fee apparently. I noticed the escrow account was much lower than it should be, but didnt see any transactions listed. I called up the bank and they confirmed that they used the escrow account to pay off the loan, without any permission from me. They claimed I requested it online but I most definitely didnt. They offered to undo the transaction, but that seemed more trouble than its worth so I let it stand. My question is, is using funds from the insuranceproperty tax escrow to pay off a mortgage a common practice among banks? The bank was Wells Fargo, so based on recent events Im theorizing that this fulfills someones monthly goals somehow.  <response>: for the final payment, u would have manually paid off the mortgage. then they refund the excess escrow. then u deposit the check. they did u a favor. 