Since March 2010 I been dealing with a rate modification. I have been calling for status almost every three weeks. They have requested the same documents over and over again because they are due... Now I have been told that the same was denied for lack of documentation. I made an appeal and the same was denied. They put me on a regular Bank of American loan modification but has been told that I do not qualify for any modification on my loan because I do not file tax return. They did not requested from me a tax return copy when I apply and wa... read full review »