The same thing happened to me. My property tax is paid out of my escrow through my mortgage company. This 3rd party just popped up out of nowhere sending me a letter about the tax payment and demanding repayment from me. I've been trying to get the money from my mortgage company out of excrow, but it's been a pain trying to get it, and the 3rd party is starting to get impatient. I have my checking acct with this 3rd party, but no mortgage. Would they be able to garnish my checking to get that money back from me? Are they allowed to legally?