I had a home that foreclosed in 2010. I had XXXX mortgages, the XXXX being a Home Equity Line of Credit through Bank of America. The primary mortgage was reported correctly to the Credit Bureau as " Foreclosed '' while the XXXX loan was reported as " suspended '' which keeps me from being approved for a home loan now. I called Bank of America and spent over XXXX hours and talked to over XXXX people. Each person told me the same thing ; that my HELOC has been " charged off '' meaning I no longer owe them money because of the foreclosure. However, each person stated that they did not have access to or the authority to provide or produce any kind of document to prove that this account was charged off. I was referred to XXXX " specialists '' who each stated that they could help me and would fax me or call me back. I have not heard from either XXXX, they do not answer their phones, they do not return phone calls. I was hung up on several times. I was even told that it was Bank of America 's error in not reporting correctly to the Credit Bureau but they still have been unable to provide me any assistance in providing this account is settled. 
