Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process 
