I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law? 
