At first this borrower gave Bank of America the benefit of the doubt, thinking that the request was surely a mistake.  He immediately contacted the bank to inform them, not only was he still alive, but he was the only borrower on the loan which he was seeking a modification for.  Through several phone calls, letter correspondences, and emails, the loan manager said he would take care of the erroneous request and report it to his manager, who then reported it to her supervisor.  But a couple of weeks later Bank of America denied sending the letter saying it had disappeared from the system and went as far as asking the borrower to send the letter back to them in order to "prove" they had sent the letter in the first place.  This is when the borrower realized he was being misdirected and clearly the bank was up to something more diabolical.  After more than a month of back and forth with the bank and getting nowhere the borrower received a new letter requesting not only the death certificate once again, but also a statement of death benefits.