I refinanced my primary residence under HARP in XXXX 2012. My loan was with Bank Of America. I was underwater more than 125 %. I was coerced into getting the refinance loan from bank Of America. XXXX XXXX was the loan officer at BOA. I was constantly told that only BOA is allowed to refinance as I am underwater 125 %. And, they gave me a very high rate. When the market rate was 3.5 % I was offered over 4.5 %. I had no option but to pay more than 1 % point fees to get 4 % rate to reduce my monthly payment. During the whole process I was told to hurry because the program will end soon. I felt like cheated. I wrote to XXXX back in XXXX 2012 about my concern and she never responded. I wanted to file a complain in XXXX but got too busy with my life. 
