I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you. 
