I have contact my current lender bank of america back in XXXX to request a loan modification due to my reduced income. I was told that unless I 'M LATE OR BEHIND ON THE LOAN I WOULD NOT QUALIFY ... Their representative clearly ADVISED ME TO STOP PAYING MY MORTGAGE IF I WANT THE MODIFICATION OFFER SENT TO ME ... ..With no other options offered to me I followed their instructions and stopped paying my mortgage. After I got an offer to modify my loan, representative assured me that if approved that all mortgage lates WOULD BE DELETED from my report. HOWEVER, 3 YEARS LATER THEY STILL HAVE NOT DELETED THE LATES WHICH THEY FORCED ME TO INQUIRE. I have been trying to reason with bank of america since XX/XX/XXXX but all I 'm getting is computer generated mail and no results or any attempt on their end to resolve this issue. Because of these lates now i can not refinance my house or get a better loan .... AND NOW BANK OF AMERICA CALLED ME OFFERING TO DO A DEED IN LIEU OF FORECLOSURE.. WHEN I 'M CURRENT ON MY LOAN ... they are desperately trying to STEAL MY HOUSE by ruining my credit and ignoring my request ... please help!! 
