b of a charged me a $25.00 overdraft fee to close my checking account to keep them from abusing their authority to access my checking account for my mortgage payment. i sought help to have my loan modified and they intentionally tried to put my loan into default to make me qualify by opening up an esrow account that called for payment of future undue property taxes and home insurance. i will not pay them a plug nickle, my payment was not late and i did not give them the authority to tack on another$500.00 plus amount on my home payment to only in return have them deny me from getting the home loan reduction modification. i have copies of the over charges on my home loan details provided by bof a for all months of contacts by phone and their employees names. account # 139263272.