Bank of America bought our mortgage many years ago from XXXX. We tried to do a mod. in XXXX and were denied. At a later date we tried to do a Mod. with the Presidents home affordable program. After almost a year of more documents needed, loan rep on vacation, wrong documents, anything to string us along they said the only program we qualified for would save us about {$60.00} a month. In the past year of 2014 we were told we missed a payment. We did a trial mod. and still they are saying we are missing a payment. I can never get the same person to talk to. My account manager is also a C S R. I checked my bank records and all payments were made on time, every month! They charge us {$15.00} for a phone payment, {$15.00} for property inspection, Hazard insurance. Mislead, misinform, drag out every attempt to resolve any issue, and make it almost impossible to refinance anywhere else. I WANT OUT OF THIS COMPANY!!!! I filed a letter of dispute with B O A dispute department and asked to check my payment history and either send me a fax detailing the exact payment we missed or send me a clean record and a letter stating such and to no surprise never received a response from them. I spoke to a C S R who said my dispute was denied and I asked her to fax me the denial. Her response was she was not allowed to. I ca n't get anywhere with the lousy company! This is nothing more than hanging a carrot in front of a horse. Very deceptive and questionable business practices. I would advise anyone potentially doing any business with B O A. DO N'T!!!! 
