In XXXX and XXXX I went through XXXX XXXX hardship due to my spouce lossing her job and while I wait for a decision on XXXX. I have been unable to work full time since 2012. I was XXXX payment behind of my Bank of America credit Card. I recived a letter stateing they wanted to help me catch up so I called ( this was at the end of XXXX ) I signed up for a program allowing me to pay XXXX dollers a month which would have been very reachable for me while I wait for a answer. I was told they would not review my information for the program untill I made a payment so they set a payment to be taken out on XXXX XXXX. I noticed that the XXXX had passed and it had not been taken out and I had recived a few calls. I called them on XXXX XXXX and it seemed none knew anything about me signing up for the program. After looking into it they said the payment was denided ( had plenty of money ). I repaid that same day XXXX XXXX. 10 minutes later I got a call from BoA and had to go through the whole thing again. Weeks went by and I started to recive phone calls so I called back again. Once again they were not aware of me enrolling and I had to tell them everything again. The agent said it was still pending becouse they needed additional information and that they only call 2 times and leave no message. I was then told that the interest and late fees would continue to collect. around a week later ( not sure of the time line ) I recived a call from the agent that called me 10 minutes after I paid on XXXX XXXX and he had taken this to his manager and was clearly frustrated as well and told me that that agent could have helped me complete this. 30 days or so had gone by and it was XXXX and I was informed I am XXXX payments behind ( was only XXXX ) and my min due was XXXX and it was roughly XXXX or so at the time I signed up for the program. I tried to call recently to find out how much I owed and the agent couldnt give me a solid answer so I am unsure why they are saying I am XXXX payments behind and how much I owed when I made the payment on XXXX XXXX. 
