I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either. 
