My home equity loan was with BOA for 3 years. When BAC took over they started splitting my payment into 2 parts. One going to payment amount and the other to misc. principal, leaving my payment amount less than what it should be. BOA even sent a confirmation saying they had received the lower amount on my payment. I have talked to customer service 6 times. The 1st 4 times they said they would correct, the last two said it was the system doing it. One guy even said most people would be happy with a lower payment. Yea, until it hits your credit report that you are not paying the right amount. I am at a loss.