I had the same experience. I sent in for a modification twice ad was turned down both times.
I then received the form to complete for a modification and when i tried to call to make a payment I could only get a busy signal. I finally checked on line and found out sold to bank of america. I called Bank of Ameica today and was advised that could not access my account until March 8.
I sure hope they are willig to help me more than Wilshire. Wilshire always advised me that they could not modify because they were only as mortgage servicer
Monetary Loss: $75000.