I have been actively filing loan modifications with B of A sinceXXXX. I am a XXXX Veteran and I did use my VA certificateto secure my home in XXXX. My home was finance thruCountry Wide before B of A bought my loan. B of A didservice my home for foreclosure while I was serving in theXXXX XXXX about XXXX XXXX and the loan was noteven 2 months behind. I came home in XXXX XXXX andrequested another loan modification but no response soI obtained an attorney. My attorney did respond to B ofA and requested all correspondence concerning my homebe sent to them and they were actively involved with myloan modification. In early XXXX I was notified by areal-estate agent that my home was listed for foreclosureand public auction. No XXXX service me or my attorney. Theforeclosure was listed in the local newspaper. This wasnews to me and my attorney since we both had no ideaand was actively involve with a loan modification at thetime. I have since been working with Attorney Generaloffice in Florida. I was given guidance from the AG tofile this complaint with CFPB along with their inquireabout my case. I have been told my request formodification has been denied for reasons such as '' I was not living in the home and it is a VA require-ment '' which is not true, " insufficient income '', mycurrent husband signed a form stating he wouldcontribute {$1500.00} additional income to my household to help cover the cost and the list goes on. 
I am currently enrolled in a XXXX programwith the XXXX VA and is receivingtreatment. My condition is described as " XXXX '' at this time but with support from my husbandand adult children I am trying to do what isnecessary to keep my home. I am filing thiscomplaint because I too believe I am a victimof " dual tracking '' with B of A. They are notowning up to their constant mistakes. I don'tunderstand why they will not work with me tohelp me keep my home vice foreclosing. I amnot trying to run from my responsibility of payingfor my home. I just need help with lowering the payment so I can afford it. Is that too much to ask for? 
B of A pulled back the foreclosure because they justrealized we were working on a loan modification with mebut recently filed a petition in court another foreclosure. 
I have no other option but to file bankruptcy to keepmy home. This not fair to me the consumer because allI wanted was a lower payment. 
