I tried to get a modification with BAC in XX/XX/XXXX. I sent my modification packet to BAC at least XXXX times and I complied with all the requirements. For 2 years, they rejected my submission every time for no just cause & then my ex filed bankrupcy in XX/XX/XXXX and they would not deal with me anymore. In XXXX, I got a phone call from XXXX XXXX from XXXX who informed me that they had bought my loan and that he wanted to help me get a modification. I asked XXXX XXXX about the terms of my mod including if my ex 's name could be removed from the mortgage once the mod was done. He told me that there was a 3 month trial & at the end of this trial, if I made the payments on time, that my ex 's name would be removed from my mortgage and that my mod would be finalized. I asked him who owned my loan, BAC or XXXX and he told me that XXXX did. I started the modification. I complied with all of XXXX 's requirements and I made my first {$3000.00} payment on XXXX/XXXX/XXXX. I have made all my payments on time. After 3 months, I called XXXX XXXX because I had not received the modification paperwork. He said that sometimes, it takes 4 months but I would get it soon. During the trial period, XXXX still reports me as delinquent to the credit bureaus. Another month went by and I again tried calling XXXX XXXX who was not returning my calls. So when it was time for payment # XXXX, I called to make my payment at which time I was informed that XXXX could not accept my payment because I was in litigation with them which was absolutely incorrect. My ex was but I waas NOT. I requested the paperwork to finalize my modification again & they said that they would send it. My ex-husband then told me that XXXX sent my mod packet to his attorney and that his name was still included in the final mod which is a direct contradiction to what XXXX XXXX said. I called XXXX XXXX for a week before I got a hold of him. He told me that both my ex and I would have to sign the paperwork or I would not get my modification. My ex 's attorney called XXXX and they agreed to send another mod packet, without my ex-husband 's name on it & to my home, not to my ex 's attorney. XXXX more weeks passed & I still did not get the packet. I called XXXX repeatedly, then I was told to deal with a XXXX XXXX XXXX for my modification. She was even harder to get a hold of than XXXX XXXX. She also sent the mod packet to my ex 's lawyer XXXX more and never to me. Making payments was also a fight. So now it has been over 9 months and I still ca n't get a mod packet and then after I made a payment on XXXX XXXX, XXXX, a week later on XXXX XXXX, XXXX, XXXX XXXX called me and said that they denied my modification request! I have paid them over {$27000.00} on time, every month and complied with ALL their requirements and then they denied modification! Now that is not just incompetence, it is a SCAM!!!! Because of XXXX and BAC 's malicious intent to defraud me out of my family home, I have been so stressed and I have wasted so much of my time! My credit has also been negatively affected as a result & because of this I have been turned down for credit several times. There are lots of other " BAC & XXXX XXXX '' who have lost their battles with them & it is time that for this to end! They have lied, strung me along and taken advantage of me for 6 years now. Hopefully someone is going to make this right for me and the many others.