Complaint : XXXX Credit Union and Bank of AmericaHave been trying to modify XXXX and XXXX mortage loans with XXXX financial banks. Have already done modification with XXXX XXXX. Reduced loan which was small down to 4 %. Process was done within 30 days. 
XXXX XXXX Credit Union has been at best rude and really not interested in modification. Repeated had to call person who was in charge. Counterdicted themselves regularly and was told to be XXXX to four months late and will allow a short sale. Repeatly lost documents and made threats that they would not allow modifications if Visa card is not paid. Not interested in reducing interest rate and would rather have home. Verey unprofessional in collection activities on Visa card. 
Bank America mailed a letter to me about the {$95000.00} line of credit that is 100 % underwater. This was a mastercard line of credit with Countrywide. For almost 10 years have paid only interest only. Readjusting with principal in XXXX, XXXX. The readjustment makes no sense that payment should be {$780.00} not the {$980.00} on letter dated XXXX XXXX. After XXXX months of playing games with documents they made decision I could not afford any loan. The Home loan team offer a short sale if you can not afford the loan and gave no options except leaving the home. Kept calling and asking questions about my permanent XXXX and when I was going back to work. I repeatly stated it was not going away and I will never go back to work. I will be XXXX this year and have a XXXX that will just get worse never better. At best she was rude and and made threats to me you better pay this loan and your other creditors. In XXXX I was forced to retire on XXXX and had numerous charge offs. Had recovered on the credit bureuas to almost XXXX while paying all my creditors for 48 months. Started this process in XXXX all my scores dropped into the XXXX 's. There must be models in the credit bureuas that saw XXXX XXXX pay off loan and all the scores dropped over XXXX piints in days. Bank America stated in there XXXX denial I could not afford any loan. Based totally on the credit scores. Gave complete budget forms same as XXXX XXXX yet XXXX and Bank America considers us too high of a credit risk. XXXX XXXX they are now calling my wife and threaten her with a short sale when both the XXXX and XXXX are negative and the XXXX wellover {$100000.00} negative. XXXX and Bank America are both calling my wifes phone at work, withourt permission and calling our cell phone every XXXX homes when there loans are not late. Threats are short sale or we will forclose. Yet neither are 30 days past due 
