Bank of America improperly calculated my income and expenses. Bank of America is making it nearly impossible to be available. Many calls end up in the wrong departments. Bank of America based a modification disqualification on to much income to debt, however did not take into consideration the the new payment. Bank of America stated I did not qualify for a regular refinance because I did not make enough income. Bank of America will not asssign someone specific to handle my situation. Bank of America took over one year to make a decision on a loan modification. 
