After being denied twice by Bank of America, who solicited us for a modification prompted by the Justice Department, due to not having pay stubs (WHICH WE DON'T HAVE BECAUSE WE ARE SELF EMPLOYED--this was noted 9 times in 3 packages.) I consulted with an attorney who told me to file a complaint with the Consumer Financial Protection Bureau or CFPB and the OCC. Both you can do online and very easy. I filed 11/14/13 last Thursday late afternoon. Yesterday Monday 11/18/2013 I got two calls one from a representative that appointed herself as my primary contact and she would get to the bottom of this and the other from a women in the office of the CEO of BofA.
If you are being denied for bogus reasons, take the time to file a complaint. Not sure what the outcome will be.....let you know.