My wife and I paid our first mortgage payment and the checks were cashed 2 days before the due date. We went online (Bank of America) to see if payment was applied, it was. Weeks later we get a notice that payment has not been received. After speaking with a rep, they said payment was received but applied to July. I don't understand why they would do this considering our first payment was due August first. We are highly considering to transfer our mortgage. Also, we have a payment due September 1st and we still have not received our statement. read full review »