During the financial crisis, my loan was going into default in 2010, Bank of America did not apply my past payments to my home loan. I was told to make 12 months of payment, in order to be considered, I made the payments, but was n't offer a modification nor was the monies I paid applied to the loan. Due to Bank of America employees leaving the company, no one tracking my account or assisting me for 2 years, the account continued in default. Earlier this year, I was offered another opportunity to make trail payments for consideration of a modification, which I did and made those payments on time. Bank of America did not apply my past payments nor trail payments to my loan. The monies HUD advanced to Bank of America to pay for past due amounts was not applied to the past due amounts, but Bank of America wrote up my loan, and then reduced it by the monies advanced by HUD, thereby leaving my outstanding loan amount unchanced. Bank of America is also claiming I owe them {$15.00} for the processing of the modification, which is showing up in my statements. The loan should have been decreased by monies I and HUD paid towards the balance, but they did not do this, nor inform me that they would be applying the monies they way they did. In addition, Bank of America has not informed the credit bureau that the loan is no longer past due, but current and in good standing. 
