we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy. 
