Banco Popular de Puerto Rico Mortgage Complaint

Banco Popular de Puerto Rico Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Puerto Rico

Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in - my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on -/-/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because I had an income deficit. I called back today after modifying my monthly expenses and I am still not eligible for the modification. I even included my husband 's salary as they suggested the first time we talked. How come they said I do not have the means to pay if I have been paying this apartment for the last 10 or so years? What I want is for Banco Popular de Puerto Rico to modify my mortgage loan or to give me a streamline mortgage or anything that does not include surrender my apartment to them, which was the only option the person on the phone gave me.