I received a packet from BAC for a modification on my current loan in March of 2010. I complied with all the documention and information requested and returned via fed-ex to BAC. After several months of continous follow-up calls and being advised that all my documentation was in place and that the file was being reviewed, on Jan. 5 2011 I was notified via Fed-Ex that my modification was denied due to missing documents. Is somebody kidding me!!! I called and again got the run around. My mortgage payments went from $1487 a month to $1883 a month... read full review »