Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA " sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is " charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable. 
