I don't know if you've been able to get your problem resolved, but if you've fought them and are getting nowhere with them, go to www.consumerist.com and search for Bank of America and then look for their EECB info (that way you can send the executives an email carpet bomb). Hopefully, you will then get an answer and a positive resolution to the problem. I have learned quite a bit about stuff in the time I've been reading the consumerist site.
Good luck.