In November 2009, Bank of America moved my mortgage from one BofA subsidiary to another BofA subsidiary. Since this date, Bank of America has started overcharging me interest. Bank of America acknowledges that their "software has changed" when loans were moved to the new subsidiary. And that their new software calculates interest on a daily basis. Prior to November 2009, any additional principal and/or monthly payments made before the 15th of the month, used to be treated as if they were made on the first of the month. Thus, now... read full review »