I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone. 
