I have been receiving harrasing phone calls from BAC starting Monday June 6th. For the past 11 years...every since we bought our home...I have made my loan payment on the 10th day as that is my husband payday. It has NEVER been a problem until Monday!! In 2009 we went through the painstaking choice to apply for a loan mod!! Huge mistake...we werenever late always paid...on the 10th!! It was accepted and closed in 10/2010. Now I am getting about four or five calls a day advising me we are late. It is always in and processed before the 16th!!! I... read full review »