I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan. 
