I lost my job in June of 2009 and applied with BAC for a modification being offered as a Obama program benefit to help those who lost there jobs. That is a joke!!! I started my application in Feb 2010. Sent my paper work to them multiple times and then individual requestes on almost a monthly bases. I was give a trial payment in March so I though that was a good sign (BIG MISTAKE)! Ever month I would get a statement showing a late fee. I would call and each time was told not to worry about it because it would all be cleared up on ce the... read full review »