Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Illinois

Back in - when I first purchased my current home, I had a 5 year ARM - and - -. After the interest rates came down, I refinanced the fist loan in - to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be $2100.00 for 84 months beginning on -/-/- and then subsequent payments of $ $2000.00 for 276 months starting on -/-/-. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the - adjustable rate loan, my requests to refinance both loans into - have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. Now, working on my taxes for the year I decided to look at my TILA from - and my current mortgage statement and as can be seen the payment is $2100.00 which is nowhere near the $2000.00 that I was supposed to have started paying back in - of -. Moreover doing a straight amortization, my balance should be $320000.00 instead of the $340000.00 balance shown on my - -, - statement that I have also attached. So, essentially, there is $17000.00 unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.