Contacting Bank of American SEVERAL times and getting TRANSFERRED SEVERAL times and getting DIFFERENT INFORMATION most of the times has been one of the WORST EXPERIENCES OF MY LIFE! They have POOR Customer Service and DONT help resolve issues well at all, even if you stay on the phone for 2 HOURS. I WANT TO CAUTION EVERYONE WHO IS CONSIDERING BANKING THROUGH BANK OF AMERICAN AND ESPECIALLY IF YOU ARE CONSIDERING A HOME EQUITY LOAN - DO NOT CONSIDER THEM. SERIOUSLY WORST EVER POSSIBLE EXPERIENCE EVER IN MY WHOLE ENTIRE LIFE.