1 YEAR AND 3 MONTHS TO DENY MY LOAN?? This is just wrong. Something has to be done about this. How can your department allow a bank to get away with this? It was only the first step and now my loan has tripled. 

BofA delayed a decision on the first step of my mortgage loan approval for 1 year. My current assigned representative, XXXX XXXX just abandoned me after a 1 year a 3 month runaround. 

I applied to restructure my HELOC loan OVER ONE YEAR AGO. BofA waits over ONE YEAR to finalize the first step in a loan process, only to deny my restructure then fails to explain why. 
They knew of my XX/XX/2015 deadline. I supplied the final paper work a month ago after going back in forth for over 1 year. BofA waits until after XX/XX/XXXX and XX/XX/XXXX to send me a denial letter. 
For over 1 year, BofA kept requesting never ending additional information. Each and every time I supplied them this info, they allowed weeks to go by and then only requested more info. 

For the extension program they say I do not meet eligibility rules but will not explain why I did not meet them. For example ; BofA recommended I apply for a 40 year term loan. Now they have just denied because it is, either more or less then their requirements. They will not tell me which. Is it more or less? Do I have to much debt or not enough? 

They have changed my assigned manager at least 4 times. 

They provided me numbers to reach them with no extensions, disallowing me to reach them. 
I have sent them an entire tax return only to be requested another years tax return as they have taken so long to process this. 

Much information I have sent or faxed was re-requested again. 


B OF A HAS NOT MADE 1 ATTEMPT TO HELP ME WITH MY LOAN. NO ONE WILL HELP. 
Enclosed document will show BofA states " We are here to help ''. 

I should qualify for the restructure of the loan. There is no reason I should not qualify. 
