By Matt Gephardt and Cindy St Clair
(KUTV) Angel Maynard has lived in her West Jordan home for more than a decade but when her family lost some income, she did the math and realized that continuing to make the $2,000 monthly mortgage payment was going to be tough. Angel called her bank, Bank of America, and they told her she could apply for a loan modification. Angel applied, but not without some hurdles.

"It took them a couple of months, took me a couple of tries for them to not lose the paperwork,” Angel said. “Finally I sent it certified and they got the paperwork."

With that, Angel was told to start making lower payments for a "trial" period.

“[Bank of America] said you'll make that trial payment for three months and then we will finalize your loan," Angel said.

But Angel says she was afraid making lower payment would hurt her credit score so, until the loan was finalized, she decided she was going to continue to make payments in full. It's a good thing she did. Angel began receiving letters from Bank of America saying, "Our records indicate your loan is past due." Angel says she again called Bank of America.

“Every time you call them up you get the same answer,” Angel said. “It's the loan modification, don't worry about it."

Angel is worried about it, especially since her credit has now been dinged and worse, she is getting more letters from Bank of America now threatening "foreclosure."

"I've been so stressed and so upset and just worried about whether or not I'm going to be foreclosed on even though I made the full [payment] amounts,” Angel said. “I'm just so frustrated because they've ruined my credit, and am I going to come home tomorrow to a foreclosure sign on my window?"

Sick of trying to convince the bank on her own, Angel decided to Get Gephardt.

2News contacted Bank of America through their corporate public relations office and again provided them proof that all the payments have been made in full. This time, the bank paid attention. From an email address assigned to "pressroom," someone wrote, "a specialist is reaching out to [Angel] and is correcting the misapplication of her funds."

The bogus dings on Angel's credit report have also been repaired by Bank of America.

In investigating this story, we spoke to the non-profit, credit-counseling group, AAA Fair Credit Foundation. They tell us Angel's story is unfortunately not unique. In fact they have several credit counselors whose jobs are to do nothing but try to help people navigate the complicated waters of modifying a home loan.

If you could use help, AAA Fair Credit Foundation can be reached at:
http://www.faircredit.org/ or (800) 351-4195.

(Copyright 2012 Sinclair Broadcasting Group) Get Gephardt: Bank of America Threatens Home Foreclosure Despite Full Payments