I successfully received a permanent modification from B of A in June. All payments before, during, and after the trial period were made on time. I have my transaction history and confirmation numbers to prove it. Yet B of A says I still owe two payments, and I've received 3 threatening letters of foreclosure. B of A Payments Research Dept. acknowledges all payments have been made, but they see that the modification dept. didn't apply them all correctly and I must get this corrected through the mod. dept. I've made no less than... read full review »