In XXXX, 2015 I contacted XXXX ( XXXX ) for assistance with my mortgage. In coordination with this process, I was required to request loan modification from my mortgage provider Bank of America. XXXX requires the exact same documentation as Bank of America. While XXXX received, evaluated and provided me with a denial of my request based on my income, Bank of America has continually asked for additional documentation, although I have provided everything requested within a XXXX hour window, either by fax or document upload to their website. I would get a call from a " customer relations manager '' requiring XXXX more document. I would immediately provide it ( within XXXX hours ) and then a week would go by and then I would get another e-mail and another call asking for yet another document. Much of the documentation has had to be provided XXXX or XXXX times and still no resolution. Bank of America is now indicating that we wo n't be able to meet a regulatory deadline in order to complete a determination of the loan modification request. As of XXXX XXXX I have had a change in income. I have provided proof of that change, but Bank of America will not accept that documentation until actual receipt of a deposit to my bank account. Actual deposit wo n't occur until outside the XXXX day window Bank of America appears to working under. The fact that a determination has not been made ( up or down ) prior of XXXX XXXX is a tactic to deny me the opportunity to keep my home and have a more manageable mortgage. XXXX made an assessment and provided me with a determination over a XXXX ago. I believe Bank of America to operating in bad faith. 
