Oct. 27 2009 I called in to get a payoff letting BOA know that quicken loans just approved me to get out of my 7.7% mortgage to a new fixed rate at 5.1/8%. The rep from BOA said he also had a program to lower payments. After answering his questions he said I was approved for a lower payment. Two days later a letter arrived from fedex and said make this new payment. After 2 months my credit score dropped to below 600 and it took 6 months to reverse this. Today I'm still trying to refi with them Boa and now there are stalling. They did thi... read full review »