Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A. 
