My mortgage lender ( Bank of America ) has done XXXX specific things that have cost me significant time and money:1 ) They refused to cancel my PMI for several months despite the remaining value of the mortgage falling below 80 % of the purchase price of the home. They claimed late payment for one or two mortgage payments as the cause for continuing to charge PMI yet the payments were set up as recurring in their system. Due to their system error, my payments were late ( both my checking account and mortgage are with Bank of America ). I was refunded the late fees because it was their error yet they still charged me PMI past the 80 % threshold. 
2 ) They are taking an egregious amount of time to process my refinancing and continue to increase the fees. I began the process of refinancing my mortgage in XX/XX/XXXX. I lost my job two months later and Bank of America was not able to complete the refinancing in those two months so I was stuck with a higher cost mortgage while unemployed. I now have a new job and re-started the refinancing process two months ago. This past week, they asked me what kind of home is subject to the mortgage. They have held the mortgage for nearly ten years, had me pay for an appraisal earlier this year and still do not know what kind of home it is? In addition, the fees they intend to charge have gone up significantly from earlier this year to today - an increase of over {$3000.00}. I am just frustrated because each month that passes is an additional month that I pay a higher interest rate. I am essentially paying them to take their time. On top of that, they are increasing the fees and asking me to pay for a XXXX appraisal in XXXX months. 

Finally, I have tried repeatedly for literally years to get a copy of the loan documentation from Bank of America where we agreed on the PMI and they have not been able to locate it. They have told me that I needed to pay PMI and did not have a choice in the matter and it does not matter that they have no record of me signing any documentation related to PMI. 
