I am writing to you under a Power of Attorney given to my husband and I by our son XXXX XXXX XXXX. Bank of America is giving us what can only be described as the " run around. '' In approx. 50 days, XXXX XXXX XXXX, our son 's payment on a HELOC issued by Countrywide will triple. He has been paying interest only on the loan for 10 years, so he has paid them roughly {$35000.00} in interest. He inquired about a refinance or loan modification in XXXX XXXX, which was denied by XXXX XXXX. When we finally got her to call us back to inquire about the confusing denial letter, she said the correct way to proceed was with a Making Home Affordable Application. She requested and we sent her the POA and on XXXX XXXX, XXXX, we XXXX the completed application. On XXXX XXXX, XXXX, BoA issued a letter to XXXX saying that XXXX XXXX would no longer be our dedicated representative. The letter gave us a new number to call for status : XXXX. A loan specialist named XXXX called our son XXXX XXXX XXXX on Wednesday XXXX XXXX, XXXX. Our son referred the loan specialist to XXXX XXXX XXXX under the POA. The loan specialist said he could not find the POA in the Bank 's document system. He asked us to fax it again which we did. The fax was confirmed. Checking back with BoA we were connected with XXXX different people each of which could not answer our inquiry and none of them could locate either POA, nor the application. I feel certain that these are delay tactics in order to spin out the time until the payment triples and then they will sell the loan making modification nearly impossible. I wrote to the monitor recently because I do n't think BoA is acting in good faith. It is overlooking a whole category of borrowers drowned by Countrywide. I am attaching the letter to the monitor and XXXX complete application which states how he was harmed. Anything you can do in this case to make sure XXXX gets full and fair appreciation will be greatly appreciated. XXXX XXXX XXXX XXXX ( by POA ). 
