On Tuesday XXXX XXXX I spoke with a representative of B of A because I had a loan modification application in process, or so I believed but on Monday XXXX XXXX, 2016 we received a certified letter, ( which my daughter had signed for the previous week because we we were out of country and returned XXXX/XXXX/16 ), stating letter of intent to accelerate loan. The representative informed me that our loan modification had been denied in XX/XX/XXXX, XX/XX/XXXX, and that this letter is sent to bring loan current or foreclosure proceedings would be filed. I explained to the B of A representative that i had spoken to account manager in XX/XX/XXXX regarding loan modification and was told the status was still being reviewed/ no decision! B of A representative could not explain why we were told it was still in process when it had been denied. Per the B of A representative one of the reasons we were denied for loan modification is that loan was not delinquent, but the fact is it was, which letter of Intent certainly confirms. There was one other reason which had to do with our income being too high ... and that was just shocking because my husband and I can both testify to the fact that we live month to month on our income, very, very, VERY modestly. The B of A representative recommended I contact XXXX XXXX ( not sure of spelling ) XXXX. XXXX is the supervisor of the Account Manager 's. I had complained that none of the Account Manager 's I had spoken to, assigned to our loan modification, could answer any of my questions regarding income, declination, etc. So on the advise of B of A representative I left an urgent voice mail for XXXX on XXXX/XXXX/16 and p another 2 urgent voice mail messages on XXXX/XXXX/16. I never received a return call, not to either of our contact phone numbers. My voice mail messages were very specific, matter was urgent, regarding loan modification declination, reasons for decline, and needed explanation. I gave all our loan information, number, etc. 
There was no message on XXXX 's voice mail saying he was out of office, that he would not be returning calls, etc. I think that it is outrageous that someone in his position would ignore urgent calls for 2 days. In fact I think that should be illegal in banking. 
I feel that the only way I get some one to return my calls is to file formal complaints ... and that is a very bad reflection on B of A and staff. 

All of this can be verified by phone calls since every phone call that I have made has been recorded per a representative and then there are the voice mail messages left on XXXX 's extension. 
