Bank of America "Closing Cost Refund" check - Chicagoland Sportbikes
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post #1 of 11 (permalink) Old 04-23-2012, 08:50 PM Thread Starter
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Bank of America "Closing Cost Refund" check

Today, I received a check in the mail from BOA - written on the check is "closing cost refund" and a phone number to call.

I called the number and a recording states that "audits were performed to make sure that closing costs were settled correctly" and that the audit showed that I'm due a refund.

After the recording is finished, you can leave a message and someone will supposedly call you back with more info.

Has anyone received one of these checks before?
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post #2 of 11 (permalink) Old 04-23-2012, 08:52 PM
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I would call Bank of America themselves to make sure that checks like this are sent out just to make sure it's not a scam.

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post #3 of 11 (permalink) Old 04-23-2012, 09:10 PM Thread Starter
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I would call Bank of America themselves to make sure that checks like this are sent out just to make sure it's not a scam.
Did some Googling and apparently the checks are real, as verified by people who have physically taken the checks into BOA locations and had the check #'s authenticated.

I just want more details before I deposit it...
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post #4 of 11 (permalink) Old 04-24-2012, 07:02 AM
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Closing costs? As In your mortgage?
1) who has your mortgage?
2) how much was it?
crook county has screwed up peoples pin numbers for their mortgages (me included). Wells Fargo flat out LIED to me saying they were refunding a check of $800+ to me because they nada build up of my escrow. Turns out, crook county changed my pin number, and my taxes were not paid. So I had an additional $800 I had to repay back to them because they lied. Pay attention who has your mortgage, and call your county asserors office to ensure your takes have been paid. Your best bet, is if u do decide to cash it, keep the money as cash, or in a seperated account, so that way if something gets fucked up on a payment of some sort, u have the $ to immediately recover it, instead of them fucking you and costing you more money for those lazy asses failing to do their jobs. Hold onto that $ for a year if it's like the amount it would cost to cover a 6month tax bill

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post #5 of 11 (permalink) Old 04-24-2012, 07:09 AM
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Did you recently buy or refi?

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post #6 of 11 (permalink) Old 04-24-2012, 03:19 PM
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Why guess

Take it to the branch at 2390 Indian Trail and have them verify it...if its real cash it and go buy your girl something nice....dont look a gift horse in the mouth!!!

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post #7 of 11 (permalink) Old 04-24-2012, 03:31 PM
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I got one of those checks and deposited it... totally legit.
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post #8 of 11 (permalink) Old 04-24-2012, 05:01 PM
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and go buy your girl something nice....


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post #9 of 11 (permalink) Old 04-24-2012, 07:00 PM
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Quote:
Originally Posted by Thunderstruck View Post
Closing costs? As In your mortgage?
1) who has your mortgage?
2) how much was it?
crook county has screwed up peoples pin numbers for their mortgages (me included). Wells Fargo flat out LIED to me saying they were refunding a check of $800+ to me because they nada build up of my escrow. Turns out, crook county changed my pin number, and my taxes were not paid.
The web site to check your current tax bill, by the way, is:

Cook County Treasurer's Office

As an aside, I've spent a fair amount of time recently sitting around in the County Clerk's office, where unpaid taxes go to die, and in the County Division courts downtown, where they go to turn into tax deeds, and I've been hearing a lot of this sort of thing: "the mortgage company was supposed to pay, and never did." If you're in Cook County, you should be getting the tax bill directly from the county, and that's your best first chance to check it for any obvious errors (tax of $75 on a three-bedroom house is usually wrong, for example, and will come back to bite you) and to check it against your escrow numbers if escrow's supposed to be paying it. Then send the bill on to the mortgage company to get paid. Bank of America should pay anyway, but if your mortgage is with Podunk State Building and Loan and Pancakes, or some similarly illustrious institution, they may need the reminder.

Above all else, if you are not getting your tax bill, check the Treasurer's office to see if your address is on your PIN. If it is not, GET IT FIXED TODAY. That's your best first defense against your taxes going unpaid, and all the heartache that comes with.

Enough PSA; back on topic. I know that B of A and a couple of others have been getting into trouble for various shenanigans that they either got into directly, or inherited, related to charging closing costs. There are rules in place, apparently, that are meant to keep them from getting you over a barrel on closing costs: something along the lines of, if you set up the closing, you can't charge more than cost for the closing services, something like that. I think B of A and friends have been getting hit on that by people trying to sue their way out of their mortgages. They may be scrubbing their books and trying to get their closing costs down to an unquestionable level.

This is all guesswork, but it's the best reason for it that I can think of.

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post #10 of 11 (permalink) Old 04-24-2012, 07:04 PM
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Run to the bank and cash that bitch with a teller. End of story.



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post #11 of 11 (permalink) Old 04-25-2012, 06:02 AM Thread Starter
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Recently refi'd, but I don't live in Cook county.

I can go online and easily check to see if my taxes were paid - I'll do that. But I doubt this has anything to do with taxes.
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