[jlynsmom]

So, to update my story. I spoke with representative from NACA and she reviewed my mod docs and said that I do not have to make a payment in July, that the added on amount is the accrued interest and principal during the month of July, don't worry. Yeah! But wait, I tried to log into the BOA website today and am unable to get into my account and instead I get directed to a page that asks for a payment promise. When I call the customer service department, I am asked for a payment promise and guess what - the payment that I made in June has been uncredited (is that a word?) from my account because my bank has refused payment. I told the representative that was interesting because the money was taken out of my account on 6/10 and has not been returned. I am on the phone with a representative right now, but she just keeps placing me on hold for 2-3 minutes and "speaking with her supervisor". I will try and reach the office of the president tomorrow during regular business hours, but it looks like I'm back in the sleepless nights territory.