1. Bank of America has not contacted me regarding my financial situation. It clearly states on all forms that send that " We are here to help ''. They have not. They occasionally leave a message but do not follow up or require very long hold times. 

2. Bank of America refused to hear my appeal. I was told I would be contacted for the additional information I had, they did not contact me. 

3. It took Bank of America over 1 year to review and re-review my documents, only to determine I did not qualify. I appealed to review their documentation. They denied my appeal in a matter of a couple weeks when it took them over one year to initially make the decision, leading one to believe they expended little to no effort to review this case. 

4. Bank of America is encouraging me to default on making payments of my loan. They stated that this is the only way in which they consider helping out customers. 

5. Bank of America did not address all my concerns in the original complaint and stated so. They have not contacted me to assist in this matter. 

6. Bank of America sold me this loan based on false information. They explained it was a 30 year loan but did not explain it would be " interest only '' for the 30 years, that it would adjust after XXXX. I would not have purchased this type of loan if I had know this. 

7. Bank of America has offered me no solutions to resolve this matter. 

8. XXXX To which Bank of America states I make to much income for there loan modification program, XXXX other banks stated I made to little. XXXX 9. Bank of America stated that they would not give me exact information regarding the amount of income or debt one needs to qualify for a loan because they sated people could lie about it. However, some people may decide they need to get a job, or a higher paying job in order to qualify. 

10. Bank of America has assigned and then changed personnel to help me over XXXX times. 
