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My post was addressed to the original poster. He figures he needs to "write to the bank" and maybe to the state AG, I'm suggesting that he read and understand his contact first, so he can demonstrate exactly how B of A is breaching the contract in the way it is applying the payments.
Although for you, I don't really understand your comment. How could you not "trust" the language of a contract you signed? It doesn't seem like "trust" factors in. That language is what governs the relationship between you and BofA.
I guess I would understand it if you said you don't "trust BofA to abide by the language of the contract." i.e., you don't trust bofa. Maybe that's what you meant.
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