We have been with Bank of America for about 7 yrs. We have had some financial problems, but we have made it work. Recently we were up for a loan modification and we had no idea we were. I had sent in a payment for {$1500.00} to make up a payment and a little extra, and then called to let them know it was on the way. XXXX, they tell me that the money I just sent can not be used at a first trial payment, but they expect me to come up with another payment in a week? So for the first to payments I have to overnight them to make sure they get there before the month has ended. Both were delivered before the month ended, but where not posted until the following month. Then I ended up having surgery and the next payment got returned from my bank, by the time I knew this is was to late. a few weeks later, We received a letter and paperwork in the mail we signed everything and sent it back. It had said, you were APPROVED for the modification. So I was set up to do with that, then another week went by and I got a letter saying that we were DENIED the modification. So to my confusion I called them and the person on the phone was just as confused. Then finally they say, sorry you were denied, try again. So we go thru the whole process again. Every few days I call in and they say they need clarification on a part of my husband paycheck, so I answer the question. I end up answering the question XXXX more times! Then I keep calling to find out an answer, I can never get to my account specialist, so I have to talk to random people each time. Then I get a letter saying we are sorry you do not qualify for any help and you are in foreclosure. I call and try to talk to my account specialist who I still ca n't get a hold of. The person I do talk to says they can try to help, I ask why did n't my account specialist call and let me know what the decision was. She said they said out info to the costumers and they do n't always know. But every letter or any information I get from them is electronically signed by him. That does n't make sense for his to have " signed '' it and not know about it. So a few days later I finally get a hold of my account specialist and he says that he did n't know the letter went out and there is nothing they can do. He asks me, is there anything he can help me with? Well not really since you just told me you ca n't. I just want to know about all the run around and why they can do this. Now I have no access to my account and I can not make any payments ... I am stuck 
