I don't think it's a scam as much as the other folks do. Pretty typical for someone to want out from under and upside down RV.
That said, it isn't likely Bank of America would go for your idea. The bank I deal with is based in San Antonio, all the titles are stored in Lehigh, PA. There is no place I can walk in and pay off, leaving with title in hand. Now think about what all the car dealers do. They take your tradein, send payment to your bank, then wait for the title to show up.
If it were me, I would go look at said trailer, meet seller, then make up my mind. If it was a reasonable deal, I would give the seller a bank check made out to Bank of America marked with the loan acct number on the memo line, hook on to the trailer and take it home.
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