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Today I Was Told by BOA My Home is Going into Foreclosure

The banks may make their own decisions about who qualifies and who doesnt't for a loan mod. However, if they are going to deny them, shouldn't they give the real reason and not resort to a cop out?
 
At the very least, could they show mercy for a time?
After three years of filling out loan modification paperwork and sending it in, I was informed via a phone call today from Bank of America that my loan modification was declined on 2/1/13 as I didn't submit all the documents.  Bank of America continues to state this as a reason for declining my loan modifications, but I give them everything they ask for and then have my HUD counselor review it for completeness.  Anyone who knows me knows how organized and detail-oriented I am.  I have a Ph.D. from Columbia University and that required an incredible attention to detail.  I know I submitted all the documents required as I carefully reviewed every request and my HUD counselor, Michael Haynes, of the Neighborhood Housing Services of New Haven reviewed them.
This seems to me to be a bogus excuse.  I think they just don't want to do a loan modification.  Although why ... more

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