a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option, 
