In Oct. of 09 I paid $4000.00 in late fee's and past due mortgage cost. As of today 2-17-10, Bank of America's records still say I'm 4-6 months behind, it always changes. I have also paid every month's mortgage since 10-09 and they're not showing any of my payments. I have been in contact with them numerous times, and the say that they see the $4,000 payment, but don't know where it went. They asked me to obtain copies of the check and 3 mons. after Oct.09. to make sure the money was not recredited to my account, it has not. I did that. I will save a copy for myself and feel that I need an attorney to straighten this thing out. I did not pay this months mortgage because apparently someone is taking my payments and putting them somewhere other than towrds my mortgage.