Anecdotal experience here, but my father who had a Countrywide home loan before BoA took over has lamented that change since the first day. The big issues for h

Anecdotal experience here, but my father who had a Countrywide home loan before BoA took over has lamented that change since the first day. The big issues for him have been customer service, at Countrywide, the people he talked to were personable and handled things in a timely manner. While dealing with BoA, the people he talked with couldn't wait to get him off the phone, accused him of fault when there was an issue with the bill caused by BoA, and took forever to deal with said issues. He has been trying to get his loan refinanced for 4 months now, but they have a queue, and they only process 8 refinances a month. Makes a lot of sense... Now this doesn't prove anything towards what Anon is going to release, but it just shows, to me at least, that BoA very likely is not so innocent in all this.