I have a home equity loan with BOA. It is in the pay off period so I pay a fixed amt for principal plus interest at current rate. Each month it changes amt due, One month my amt due online and paper statement did not match. I went to the local bank and they looked up th"correct" amount which I paid with a check. One month later I get a over 30 day past due for $9 - they had transposed two numbers. I immediately paid the $9 and notified the bank. They removed the fee but left a 30 day late note in my credit report. I see it often as it is the only "adverse" report on my credit report. I get refinance letters and credit card offers from BOA almost weekly and they go straight to the trash can. BOA service has dropped below that infamous stage coach bank. Get me once but never again.