Where do I start....I divorced in june 2010. After a legal battle with my ex wife, I regained my house. The payment had fallen 3 months late. I contacted Bank of America to resolve the issue. After turning in documents...I was denied because I did not fit into the three d's...death, divorce, or debt. I contacted them back and told them about my divorce, after faxing in my divorce decree, I was accepted in Sept 2010. I entered my 3 month trail period which reduced my payments by a whopping $20! I simply wanted to be current on my loan so I continued. After the 3 month period, I had to call because noone calls you. I recieved a fed ex packet and the letter stated that I needed to notarize a document, hours after recieving the packet, I recieved a call from bank of america and was told a notary sent by the bank would be at my home to notarize my papers, great I thought. The notary signed and took the documents and said he would take care of it. After some days, I called because no one ever calls back. The CRM said they had no record of the documents and asked me to resign and fax it back, strange I thought since the first documents were notorized. The letter stated that the first payment was due on Feb, it was the begining of Jan, I asked my CRM what to do, she stated that a payment was not required in Jan. Fast forward 7 months of constant calls from me every week and its like talking to the wall...no answer. Finally in Aug 2012 I recieve a call...Im denied the modification because they dont have record of the notarized documents that they should have since Jan. Its part my fault since I didnt keep a copy of the documents the notary took. Now I was sent a packet for a Non- Hamp Modification. I faxed in all the documents they asked for and guess what....no answer from the CRM. I have left messages but no one even answers the calls or messages. I want to know if the simply recieved my documents. This is unbelievable...If I had not been going through this I would not beleive it! How can there be such bad customer service...I must have made 50 to 70 calls since this began. Now there are $7,000 worth of late payments and fees... What should I do? I stumbled into this forum and have read about alot of people with similar circumstances like mine. Help.