B of A has consistently charges us late fees even when the mortgage was on time. Interest was charged on top of that, then they took our payments and applied them to the bogus late fees.
I have sent receipts over 10 times, and finally after 2 years, they reimbursed most of the late fees, but did not re-amortize the loan from the point of their mistake, and are consistently charging fees on top of fees. You can't talk with anyone, they are all in California, and you have to leave a message. They sent me a letter stating I needed to call someone, and the phone number is the same on I've been leaving messages on for over 10 weeks. No wonder people are walking away from their homes.
This is very frustrating.
Product or Service Mentioned: Bank Of America Mortgage.