On XXXX XXXX, XXXX I met with XXXX XXXX at Bank of America to start the HARP refinance of my existing BOA loan. I was to be for 4.125 % which would save me over {$200.00} a month. I now have a loan for 5 %, payment {$1600.00}. I have been with BOA since XX/XX/XXXX. My record of payment speaks for itself, never late, never missed a payment. It is now going on 5 months since this process started. First BOA said I needed a survey for my garage, built in XX/XX/XXXX. I got a copy from XXXX County and hand delivered it to XXXX XXXX. They said it was not acceptable and wanted me to pay for another survey. I received a settlement letter on XXXX/XXXX/XXXX from BOA, ( see attached ) that my cash settlement fee would be {$8000.00} and my new payment oat closing would be {$1500.00}. Which was incorrect. Another settlement letter came on XXXX/XXXX/XXXX. This one said my fee would be {$2900.00} and my payment would be {$1500.00}. Still XXXX XXXX said to ignore it, that these were wrong and they would send me a new settlement agreement. Then I got a letter from BOA, XXXX/XXXX/XXXX, saying that my house did not have a acceptable Title. ( see attached ). Then a delay of several weeks, XXXX XXXX of BOA said to ignore their letter of XXXX/XXXX/XXXX. As of today, I still do n't have a settlement, or closing date. It is going on 5 months. During this whole time, XXXX is holding my Home Equity loan and we ask them to sign a Subordination agreement. Again, impeccable record with them. I sent a check for {$250.00} with the paperwork, still did n't hear anything. They then said they did n't receive the check and paperwork, I wrote another and hand delivered it to the bank. They then said they could n't do the Subordination because I had too many delinquent accounts. I do not have any credit outstanding! I pay cash for everything and pay off my credit card every month, my Score is XXXX. This again delayed everything. Then they sent the missing check back to me and yesterday I received a notice telling me that they are cancelling the Subordination because of non payment of the {$250.00}. They second check was cashed on XXXX/XXXX/XXXX. One thing I do have to say is that XXXX XXXX has gone above and beyond everything he could do for me. They Cluster starts when it gets above his level and then no one has a clue. 
