Back over Summer I received from my yearly notice from B of A that I need to increase my flood insurance to match the amount of my homeowners insurance. It gives me the opt out option that lets me carry the insurance on just the balance of my mortgage. The later of which I normally do because I am quite a distance from the creek that could possibly flood and destroy my house(supposedly FEMA placed SFHA). I sent the letter back choosing the opt out option of course saving me hundreds of dollars.
A few weeks later I get another letter saying that B of A has not heard back from me and they will place their own Flood insurance to cover the difference. I called right away and told them that I sent the paperwork, they ask for me to send this again and that I shouldn't be charge and everything will be taken care of. Again, some time later, I get another letter saying they have placed the insurance to the tune of almost $600! Again I call and and ask for the form again...sent(faxed from work) I wait and check my account online, nothing taken care of. I call and they ask for again. So I send the form along with a note saying that this is the 3rd time I have faxed this and a print out from our work fax saying it was received. Another couple calls later and nothing resolved. Fast forward to November this year, I refi (new mortgage company doesn't require flood insurance go figure,) B of A sends me a check for $3xx telling me since I only had the ins for XXX time, I get this amount back.
Needless to say, I am flaming pissed. They took $2xx from for their mess up. I did everything on my end and they are the ones who screwed up. Stuff like this is why I wanted to get away from B of A originally and I just didn't do it early enough.
What would you, Hearth members do if you were me? I need some ideas or suggestions.
A few weeks later I get another letter saying that B of A has not heard back from me and they will place their own Flood insurance to cover the difference. I called right away and told them that I sent the paperwork, they ask for me to send this again and that I shouldn't be charge and everything will be taken care of. Again, some time later, I get another letter saying they have placed the insurance to the tune of almost $600! Again I call and and ask for the form again...sent(faxed from work) I wait and check my account online, nothing taken care of. I call and they ask for again. So I send the form along with a note saying that this is the 3rd time I have faxed this and a print out from our work fax saying it was received. Another couple calls later and nothing resolved. Fast forward to November this year, I refi (new mortgage company doesn't require flood insurance go figure,) B of A sends me a check for $3xx telling me since I only had the ins for XXX time, I get this amount back.
Needless to say, I am flaming pissed. They took $2xx from for their mess up. I did everything on my end and they are the ones who screwed up. Stuff like this is why I wanted to get away from B of A originally and I just didn't do it early enough.
What would you, Hearth members do if you were me? I need some ideas or suggestions.