We org. had Countrywide home loan and later without any request or options. We sudden learned we now had Bank Of America whom now are doing what they want. We should have the say and so and have authorization of bank and lending issues. But we never did I feel we were taken advantage of and slammed.We have had nothing but fraud from this matter.Every month we cannot get ahead because every month they give us an excuse that we owe more and more each month. That means it screws our acct up an our bank and home loans that is cheating us. Our monthly fee should be the same it never has been. This is fraud, that charge over high rate and increase. No matter what we do they claim we owe more. They threaten us to acclerate. Well if we were weathy they would leave us alone. Since we are middle income they are deceptive in our money this is wrong. I would like to file a lawsuit.They claim we owe more therefore they increase late fee in which then we never get ahead. Because they know if they charge more each month that we cannot do that so that add fees to get more money from us. They need to settle this out of lawsuit now. I am tired of this fraud.