On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money. 
