<prompt> Human: This is a little long but I think worth the read: In October of 2012 I started the process of applying for a mortgage loan modification with Bank of America. I worked with an actual human representative at a local mortgage account office and she was more than awesome. In November, I received a notice from Bank of America indicating my loan was going to be transferred to Seterus, Inc. I took too long to complete the required supporting documents for the loan modification and the application was cancelled in November. Shortly thereafter, in November, I received a notice from Bank of America indicating that the loan transfer to Seterus, Inc was not going to happen. I then started, in early December 2012, a new loan modification application with the same person at the same local mortgage account office and completed all of the application in one evening with all required supporting documentation. I received word within about 10 days from this local Bank of America agent that my application had been audited successfully and was being sent for final approval. Then before the end of December 2012, I received another notice from Bank of America indicating that my loan servicing was being transferred to Seterus, Inc. by January 1, 2013. I contacted the local Bank of America agent that I had been working with and asked about the loan modification and she indicated the loan modification application was cancelled again this time because the account was transferred to a new servicer. I contacted Seterus, Inc and asked about the loan modification and they knew nothing about it and said I would have to fill out a new loan modification application with Seterus, Inc. They offered me a small modification as a reduced payment amount of about 100 and indicated all I needed to do was pay this new reduced amount for three monthly payments and then the modification would be made permanent. I set up automated payments for January 2013 and February 2013 and they have gone through successfully. That leaves one more payment in March 2013 at the reduced amount and according to Seterus offer the new reduced amount would be modified permanently into my account. Today, February 19th 2013, I received a notice from Bank of America indicating that as of February 2nd the day after my second payment with Seterus went through my loan is now transferred back to Bank of America and that my next payment due in March is the original 100 higher amount. The transferring of my loan back and forth from Bank of America to Seterus at specific times when I was attempting to get them to modify my mortgage loan seems like possible unethical behavior in an attempt to skirt the loan modification. Has anyone else encountered this kind of experience with Bank of America? Im just wondering if I should pursue some kind of recourse.  <response>: Im sorry that youre being affected like this, but Im not sure I would consider it unethical. This is just the way that the mortgage industry and loan servicing works. Your investor has included your loan in a group of funds that it apparently cant decide what to do with, or your loan is being sold back and forth between investors.While working on the modification, you can ask the person you are working with if they will submit a request to retain servicing rights to your loan. If you are more likely to provide them a profit with Bank of AmericaSeterus, it is in the investors best interest to ensure that your loan is worked by that servicer. Then again, if they can sell your loan at the unmodified rate which youre less likely to pay...This is one of my biggest fears concerning my mortgage.EDIT: I should clarify that I dont think you are being treated unethically by Bank of America. I think you are being treated unethically by the industry. Thats just the way it works. Another example of life isnt fair. 