This is a letter that I wrote to Brian Moynihan, President of Bank of America: I know that Bank of America has been swamped with loan modifications due to the housing mess.   I was given a 5/1 Interest Only Loan in  2005, and made a $70, 000 down payment on the property.   Like everyone else, I was intending to refinance, but did not know about the credit default swaps and deregulation of the banks that would cause the crash in real estate.  I had no idea that I was given an improper loan.  I have owned... read full review »