Bank of America Mortgage Complaint

Bank of America Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account California

I paid off my HELOC a/c with Bank of America on - -. Escrow paid in excess & now Bank owes me a Refund of $450.00 ( - - & - - dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on - - to expediate the Refund but till today i, e, -/-/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...