I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us. 
