Our home loan was originally with Countrywide Home loans and of course we were one of many and many that were taken on by Bank of America. Since that time, we have been having trouble with Bank of America posting our payments. Every month we send our payment to BAC Home Loans Servicing, LP via our banks billpay. Our payment is sent electronically in the form of electronic fund transfer. Every few months BAC magically loses our payment, after receiving it, keeping it for up to 15 days then returning it to us - after our due date - making our... read full review »