When we tried to make 1st payment, it was nightmare. Took several calls & hours to be able to pay online. In August,paid ahead till 1st of year. So trying to make payment & says I need to enter routing/acct # again. I enter the info, but when hit next, tells me unable to process. Have tried several times over last 5 weeks & always same response. I'm sorry we went thru this BOFA for car loan. May just look into refinance it. Never had so much trouble trying to pay something