I am a Bank of America customer. Approximately 5 years ago I requested for a home retention assistance from Bank of America. I was told several times that the amount owed would be placed on the back end of the loan. I started receiving notices that my loan was in the arrears and that it needed to be brought forward. The amount was never placed in the arrears and I can not get in front of the loan. I requested again for a home retention modification. This process was delayed repeatedly by Bank of America. Documents were requested by BOA and resent several times. My account was transferred to several account reps each time being asked for documents that were already sent. Loan took over 7 months to process. I was again informed that my arrears would be placed on the back end of the loan. I never received notice except for a phone call from XXXX XXXX that my loan modification was approved. I began making payments but then received notices that my loan was again significantly in the arrears. I started setting in bi-monthly payments at an amount that was more than what the new loan amount was for but was told this was not acceptable because I was placed in a " TRIAL '' program. When I inquired about this program I was told that I was only permitted to pay the exact amount that was due and not more, not less. My new account representative, XXXX XXXX, advised me that I was no longer in the trial program and that my loan was reverting back to the original amount owed because I was not complying with the " TRIAL '' program. I did not receive information on this trial program and was never informed of the terms of the program. 
The BOA refusal to place my outstanding owed amount in the back end of the loan has made it impossible for me to bring my loan current and has destroyed my credit scores. The reasons for requesting for a loan modification was to save my credit ratings but BOA has outright destroyed any and all hopes of rebuilding. I have been making payments that are larger than the amount due in an effort to bring the loan current but this can not happen. My payments are made ever two weeks yet BOA does not acknowledge the payments until the next payment is made. They collect the interest on this loan and also collect interest on the payment. 
I have called numerous times to no avail. I am making my payments and they continue to report negative entries on my credit scores. 
