Bank of the West in Forestville, CA

Bank of the West left my Home Equity Line Of Credit open after I sold my home and then took out a $2,400.00 flood insurance policy on the home I no longer owned. The Forestville bank manager, told me in no uncertain terms it was my fault this happened. I called Bank of the West’s insurance carrier, Modern American Insurance, who originally told me they received no monies from Bank of the West. Their head supervisor said I was responsible for the whole $2,400.00 in insurance and I would receive no refund. Modern American Insurance finally put, in writing, they refunded 100% of the flood insurance to Bank of the West, with no earned premium. Bank of the West kept the unearned premium and refuse to refund it to me. I have all the documentation to prove it, including HELOC statements to show they were unable to close the credit line. I have a letter from Bank of the West Senior Vice President for Corporate Compliance, that I voluntarily left the HELOC open when I sold my home. That could not be further from the truth. In the next sentence he says the bank told me the credit line could not stay open. When the balance on the HELOC was paid off, Bank of the West erroneously left the credit line open and apologized in a letter. Meanwhile, they kept the unearned premium anyway. I calledank of the West yesterday to try to get my money back. The person told me the flood policy was purchsed and cancelled the same day, according to banl of the West records. I was then put on hold for 45 minutes, before I gave up waiting.