I'm another one of the BofA customers who's mortgage was sold off to CMS in April 2015. Problems from the start! I had done my research and immediately went to begin a refinance as soon as I found out all the bad things CMS was doing with customers. They officially assumed my mortgage on 4/2/15 and my refi process began on 4/1/15 with another company. As the process unfolded with CMS, I started getting threatening phone calls from them regarding my payment being late before I even received my account number and had things setup. In hopes that the refi would happen quickly, I just ignored the calls. Unfortunately the refi was deterred because we had to get a payoff statement from CMS and they didn't have things in place yet. The phone calls continued though. The second month we're almost at closing for the refi when we find out that CMS has reported to ALL THREE credit bureaus that I had a 30+ day late payment on 4/1/15. They didn't even own my mortgage on 4/1 but what was worse is that there's a law that when this process happens, they cannot report anything to the credit bureaus for 60 days to allow time for account transfer activity to complete! When I called Customer Service, they insisted that they would never do that, it's against the law. Well, I had the credit report to prove it and provided it to CMS with a formal request to fix it. Once again, my refinance was stalled until we got this fixed. I also found out that there had been a $20 fee assessed on my account in month 2 to send someone out to the home and verify that I still occupied the home. In talking to Customer Service again (regular occurrence since my mortgage transferred to them), they could not tell me who, when, where or anything about this "home visit", nor would she tell me where they found that cheap airplane ticket from CA to AL for "someone" to verify that I still lived there. So they've assessed a $20 charge with nothing to explain the charge, plus they've got numerous calls on record from me about getting the refi done and credit report corrected. Now we're in month #3 of trying to get a refi done and get away from this horrific company and we are in the final stretch. We needed an updated payoff request which the new company requested starting on 7/10. After several requests and no response, I began calling them on 7/23. They assured me they would send it via email within 2 hours. After 3 1/2 hours, I called again and there was no request on file. Again, I asked to be send a payoff statement and was assured it would be to me by morning. As of this morning it still wasn't there so I called AGAIN. Surprisingly, this young lady was able to get it sent to me via email AND fax while we were on the phone. While I was beginning to get excited, I realized that they've assessed a $51.35 charge on my account for late payment this month. Really? So they've been delaying sending me the payoff statement so they can drag their feet and charge me another months payment + late fees???? Yet ANOTHER dispute filed with CMS, this makes #3 on file with them. If anyone every gets sold off to this company...RUN AS FAST AS YOU CAN!!! It's worth the effort to refinance and get away from them, I promise you!!!