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BofA has a reputation for that kind of thing. I once (a few years ago) attempted to get a car loan from them and was declined. I protested that my business had run over $5.5 million through our BofA business account in the last 3 years. They could give a rat's a**. They've never been very good about working with the little guy. They're just too damn huge. It all worked out for the best though. I got the loan from my credit union for only 4.5%. So long BofA.