I refinaced my house with BOA, They had the first one also. The old payment was set up as an autodebit, the new one was set up as an autodebit also. When they closed the old loan out they forgot to stop the autodebit so when my new payment came out they also took my old payment out, Which started a mass of return checks due to lack of funds, This all happened over July 4th 3 day weekend. On Tuesday the 5th I went in to their branch and told them everything, It took them till this am (25th) to refund one of my payments ($1300) GUESS WHAT Just in time for the next payment, They gave me no interest but gave me my $430 worth of return fees back,