I recently refinanced my HELOC with Bank of America to lower my payment and specifically requested a fixed interest rate loan multiple times. During the application process my loan officer reassured me he would get me into a fixed rate loan. After 6 months of making my new payment amount, my statement had a note on it that my payment was increasing and I had a variable interest rate. My new payment amount is more than what my previous payment was after the interest rate change! I do n't understand how this happened when my loan officer reassured me multiple times the loan I was getting into was a fixed rate. On top of all of this, I now can not make my payments online anymore like I was able to with my old HELOC. When I called in to ask about this, I was advised I have to have a Bank of America account to pay my HELOC account online. That makes no sense because I could make my old HELOC payments online just fine without a BAC account. I 'm completely unsatisfied with the product I was given and having my payments be more than they used to be. This is a hardship on my financial situation. 
