Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!! 
