my name is michelle and i live in los angeles. i have been appling for a loan modification with Bank of America since november 2009 with the help of NACA and Operation Hope. At this time was also the merger of bank of america and countrywide in which my original loan was with. unaware that Bank of America had sold my loan to a private investor/bank called The Bank of New York Mellon i continue to asked/apply for loan modification. ater 17 months of none payment which they told me to stop paying in order to get approval i finally found out in... read full review »