In XXXX, XXXX I applied for Mortgage assistance to Bank Of America, which WAS my primary mortgage holder. ( Bank of America Loan # XXXX ) We have been working with XXXX XXXX since XXXX XXXX, trying to get assistance for a predatory HELOC loan with a fixed balloon payment that came due in XXXX XXXX. 
My husband and I have faced financial hardships due to the downturn in the economy and subsequent bankruptcy. We are self-employed but have not missed payments on our mortgages. 
XXXX XXXX keeps denying us any assistance telling us we can not prove affordability and told us that if we could modify our primary mortgage under a HAMP program, they would consider giving us assistance on our second mortgage. 
We have applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. 
We contacted Bank of America for assistance and was assigned a Home Loan Team Specialist, XXXX XXXX XXXX who guided me through the application process. 
On XXXX XXXX, XXXX, we submitted a Request for Mortgage Assistance, with follow up documentation as requested in early XXXX, XXXX. 
Then, without any response to our application, Bank of America SOLD my loan. I was sent a letter dated XXXX XXXX, XXXX notifying me the servicing of the loan would be transferred to XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX the loan was transferred. 
I was not able to get any further assistance form BofA and was not able to get through to my assigned representative. 
I was told that XXXX was aware of my application for assistance and advised that I could speak with them about mortgage assistance. I followed up in conversation with XXXX, but was met with unfriendly, unwelcoming advice. 
We had applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. My present Home Preservation Specialist called me on XXXX/XXXX/XXXX to say I was denied again, and I am waiting a letter with their determination. The rep told me that they can not help me under any government program because it has to start with my primary mortgage ... so I restated to them what happened with BofA when I applied for assistance, and they sold my loan. 
