Back in April 2009 BOA raised my mortgage by placing an Escrow on my account. They indicated that it was an Escrow for Flood Insurance and Regular Homeowners Insurance. Problem was...the home was NOT in a Flood Zone and this was proven when the loan began back in June 2005. It took 3 months for ME to resolve this as they made me jump through hoops with FEMA. I finally got their required documentation and yet they still are charging me from Jan. 2009 to July 2009 as July is when I got the FEMA paperwork stating I did NOT require flood... read full review »