I talked to a bank officer about rolling over my 401K into BOA. The lady I talked to called a number and after a brief conversation handed me the phone, "Here". I asked, "Who am I talking to." She said she didn't know his name. I asked, "Well what is his capacity?" and she wasn't sure. It turned out to be a gentleman from Merrill Lynch in New Jersey. I thought I was going to be dealing with BOA locally and I think I should have been told who was on the phone. I can call Merrill Lynch myself so I am not sure what service BOA is providing.
After being with BOA for years they decided to transfer or sell our Mortgage to a Debt Collector Selene Finance. We had never paid late or missed a payment in years. Bank of America and Selene Finance are not worth doing any business with. Watch out!