My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system. 
