Bank of America froze my loan. They, the home equity line of credit division, told me that my house had lost equity. Therefor they had to freeze my loan. I got comps showing that my house had increased in equity. Then they said that my credit report was not good. I got copies. They admitted to me and to XXXX, loan officer at Bank of America, XXXX XXXX, California, that my credit was good. And it is. Then I received a notice saying that I had material changes in my financial circumstances and they would have to freeze the loan. This, freezing my loan, took place in XXXX, XXXX and has continued since. 
I asked to see a signed copy of my contract. They do not have one. They have stalled on this now for nine months. I had insurance should I not be able to pay my loan. They said I had cancelled it. I asked for a signed copy of such a cancellation. They do n't have one of course. 
They have also claimed that they had to freeze my loan because of liens. Those liens were on my home since XXXX, well before I established the line of credit. 
I have continued making payments, have asked for proof. Every conversation I have with them tells me that they intend to take my house and they will listen to nothing. Here 's the thing : The comps say that my house is valued at {$230.00}, I currently owe only {$22000.00}. My realtor, as I have my house up for sale, represents bank of America with foreclosures in my area. She claims she has seen B of A do this same scam with others. 
So ... I had arranged to leave the last {$3000.00} untouched and use for payments. The bank has put unnatural pressure on me by freezing my loan. 
So what happened next.? First they charge me late fees when there are n't any. ( I have made sure XXXX XXXX B of A monitors all my payments now. ) They have raised the amount of pay back to XXXX rather than XXXX or 31 days three months in a row. XXXX has practically yelled at them over the phone telling them they ca n't do that. XXXX XXXX used to work in B o A loan department. ) An employee in the department confided to me that they should n't be doing this to me. Her name is XXXX. XXXX I had a recording. XXXX, XXXX of B o A XXXX XXXX fought for me. Just retired. He thought what they were doing was ridiculous. 
Next I get a letter from B of A saying that my loan expires on XXXX, XXXX and I will either have to pay back loan in full or I will be paying much larger payments per month. This last loan began in XXXX. And already I have to pay it back in large sums. 

My issues are XXXX those listed at the bottom of this page : Making payments, signing agreement, problems when you are unable to pay.. 
