For more than a week we received "customer courtesy" phone calls from BOA in which they would not identify the purpose of the call unless social security related information was provided. We refused. At one point my husband asked where the call was coming from. The response was, "India." When the calls first started I thought that possibly the latest loan payment had not been made, but when I checked my bank and found the most recent loan payment check had cleared, my husband and I began to suspect these were scam calls. We also received a suspicious email from BOA with a typo in it asking us to verify account information. We reported this as phishing. After the calls escalated to two per day, I checked the BOA/BAC website and indeed found that they were saying the loan payment had not been made.

I mailed a letter disputing the non-payment with a copy of the cancelled check and called the customer service line. I used the tip of just pressing zero and got right through to the customer service without entering in any additional information. The BAC customer service rep agreed that the payment had been made and corrected the problem. When I complained about all the phone calls, she asked me to take the telephone survey--unfortunately, it did not allow me to actually describe the problem. So I've emailed them regarding the suspicious nature of the calls.

Additionally, I was irritated that they would not mail the next month's payment coupon because they kept saying the prior month's payment had not been made. I mailed the next month's payment without the coupon and have low expectations that it will be accurately posted.