I have NEVER experienced such unprofessional and inept service in my life. Your voice-mail hell in both your servicing and local branches are unprofessional, do not give you the correct choices and NEVER can you speak to a real person. Oh by the way, after trying to navigate through the system I was disconnected several times. Finally, I went into a local branch to solve my problem. At the same time I tried to make my January payment (early) but because it was December he could only put it into December where it would be viewed as a principle payment. Bank of America, get a grip! I am sorry my loan was sold to you. read full review »