I have been trying to obtain a modification of my current mortgage for 4 years. Please see # XXXX. Bank of America recently responded with letter that has inaccurate information. This has been their pattern for 4 years. I am under the impression the Making Home Affordable program can help me reduce my payment to 31 % ( or less ) of my gross income. My payment ( principal + interest + tax + insurance ) is currently {$2000.00}. I have asked many times for a MODIFICATION to a fixed rate loan. I am currently on an adjustable rate loan. In Bank of America 's recent communication copied to CFPB, the letter states I requesed a REFINANCE. That is not true. Had Bank of America modified my loan 4 years ago, my payment would have been reduced approximately {$400.00} per month, but they have drug this out as my income has slowly increased and reducing my payment now would only result in a reduction of a few dollars - my ask is that this be done and that I be on a fixed rate loan, not an adjustable rate loan that can increase beyond my ability to pay. I have not asked for my principal to be reduced, only that my loan be modified to a fixed rate with a payment less than 31 % of my income. Delays in inaccurate calculations over the last 4 years do not seem reasonable or legal to me. I am current on my payments but fear the next increase will push the payment beyond my means. 
