I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress. 
