We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America. 
