I have a mortgage with Bank of America and have always try to keep ahead with my mortgage payments. I have made up to five months payment in advance. On three occassions Bank of America has applied extra payments to the principal and indicated that my payments were late and charged me late fees. I have spoken with the bank and always manage to get it clear up. Today, December 9, 2009 I noticed a late payment fee deducted from my checking account with the December payment outstanding. Upon speaking with the CSR she tried to argue with me that... read full review »