I had XXXX and the doctor was not sure at first how long I 'd been out of work. So I thought that I should let the bank know the situation as far as IF I may get a month behind in my mortgage. Since 2003 I have never been late or missed a mortgage payment and at that time was current. The representative suggest that I consider a modification and that I should wait and be late a month to start this process. I said NO I do n't want to be late. So now we start the process which took from XXXX to XXXX. They took {$100.00} off my mortgage. Put me on trial to see if I could make the lower payments which I did. Of course the lower payment I was paying was not what my new mortgage was to be. In the process they got the {$100.00} dollars back ( because of higher taxes and escrow short ) and my mortgage is more than it was at first. But the mean thing is that they put my mortgage account it a delinquent status and put it on my credit report. I think this is mean and unfair. I have written letters to all three credit report companies and they say it can be removed but I 'd need a letter from the bank. I have written several letters XXXX one to the CEO ) and made several in-person attempts and was also told it could be taken off. None\of this has worked and I rec 'd a letter from the bank telling me to stop writing because my compliant was frivolous and a waste of time and they were not going to remove it. It has really put my credit report in a nasty spot. I 'm not able to do anything with the being the first thing you see on my credit report. I do hope you can help get me some help with this. I was only trying to do the right thing and this is what I got. 
