Per the lawsuit, the fees charged by Bank of America are "intentionally disguised" as necessary and otherwise reasonable expenses in order to deceive homeowners. The suit additionally alleges Bank of America force places insurance at "unconscionably high rates, well above market rates, with no added benefit to the insured." In instances in which Bank of America is acting as both a mortgage lender and loan servicer, the bank is required to comply with all servicing guidelines, the case relays. In its role as a servicer, Bank of America has, according to the suit, an economic incentive to push borrowers into default, an interest the plaintiff alleges is "misaligned" with that of borrowers and the bank's obligations as a lender. From the complaint: "BOA earns revenue from mortgage loan servicing in three principal ways. First, BOA receives a fixed fee for each loan which is determined by the servicing agreements between BOA and the investors or note holders.