I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is. 
