After 4 years of applying for home modification with Bank of America, I received XXXX earlier this year. There are several issues that I have been trying to resolve and BOA has given me a run around. Issues include a new loan principal that is more that the previous principal, this new principal is more that what I had purchased the house for initially and my home value is no where close to this loan amount. While seeking modification, I have continue to pay the bank my mortgage albeit not the entire amount. Upon modification, there is not a trace that I had payed BOA save for my own bank statements. The money simply vanished. The documents I signed also are very suspicious as there are too many inconsistencies. I was told by an agent from the bank I should be happy I got the modification and I am not eligible again if I do not accept this mod, and I constantly had foreclosure threats leveled at me for the past 4 years. BOA reset my loan back to 30 years, did not reduce my interest rate and has tagged on a {$50000.00} fee that is due at the end of the 30 years and have not been able to explain the origin of this back-end loan. The only evidence of the existence of this bogus loan and my responsibility to pay it as a lump sum in 30 years is no where else but the modification papers. 
XXXX spoken to a few mortgage law experts, it seems there are quite a few violations with the loan and the whole process surrounding it. I would like an answer to all these issues once and for all and and hope this gets resolved soon. 
