BB & T improperly denied our repeated request for modification never providing any tangible evidence or explanation as to why. They then took advantage of us with servicing shortcuts and unauthorized fees. They failed to promptly and accurately apply payments made, and charged unauthorized fees for default-related services resulting in a huge amount of accumulated fees, penalties, and interest. They deceived us about foreclosure alternatives. They failed to provide accurate information about loan modification and other loss-mitigation services, they also failed to properly process our applications and calculate our eligibility for loan modifications on XXXX separate occasions. They provided false or misleading reasons for denying loan modifications. They threatened and engaged in illegal foreclosure practices. They provided false or misleading information to us about the status of foreclosure proceedings where we were in good faith actively pursuing a loss mitigation alternative also offered by them. 
I believe they have realized their mistakes because just recently after refusing to grant our requested modification for the third time, they somehow added my name to the mortgage and approved it for modification. They had previously turned it down even though our circumstances with income and debts were the same or even better. When I asked why they approved it this time after the previous denials they told me that maybe the guidelines had changed. They could and would not send me anything in writing explaining why it had been previously denied but was now approved. Can they just add my name to the mortgage? If so, why did n't they do this on our prior attempts at modification? The process took over 6 months each time we applied for modification and has caused an accumulation of over XXXX in late fees and penalties. We are currently in a chapter XXXX bankruptcy and we are waiting on the court to approve the modification inside the BK. During the previous attempts at modification they would never provide any concrete explanation of why we were being denied. The modification is still higher than our initial payment was by approximately XXXX to cover all the accumulated interest, fees, and penalties. They should n't be able to get away we should be made whole even to the point of having the mortgage forgiven and receiving a sum over and above for damages. 
