Signed a home equity loan mod contract on XXXX/XXXX/XXXX with Bank of America and have a signed a congratulations letter dated XXXX XXXX, XXXX for the approval of the modification agreement. I have been paying faithfully according to the terms of the agreement. Last increase was XXXX/XXXX/XXXX XXXX for 455 mos, the rate is {$980.00}, which I pd. Suddenly I rec 'd a XXXX XXXX bill of {$1000.00} after paying {$980.00} & a late pmt on my credit for XX/XX/XXXX. Nobody can tell me why. 
