Consumer complaint received 2017-05-16
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This concern is with us bank home mortgage, I started this process in  XXXX   XXXX . My mother passed away in  XXXX  at the time her home was current never past due. I talked to us bank about putting the loan into my name. Which after several months was done. During that time the loan was becoming past due. I applied for loss mitigation and was approved. During the first two months I was taken out due to have a second mortgage on the account. Of course I had no idea and us bank never told me there was a  Lein  on the property from a credit union, that my mother took out. If I did n't pay it they would forclose. So I paid cu services  XXXX . I then replyed several times  XXXX  and  XXXX  for loss mitigation and after several months denied. I reapplied in  XXXX   XXXX   XXXX . Where I have been in loss mitigation to date. I was denied in  XXXX   XXXX  and I appealed due to us bank not having all the documents and changes made on the account. I 'm still in appeal they have sent m e two additional letters stating they need more time for decisions. I have been in loss mitigation for one year and five  months. The current due is  XXXX . In 17 months being in loss mitigation has put  XXXX  additional onto loan including escrow advances for insurance. I contact us bank weekly ever since I took over the loan to get updates to see if anything is needed I never waited for them to contact me or send letters. I knew the process and it took to long so I took the initiative. I have been through several loss mitigation relationships managers never to be informed of changes. At one point I did attempt to get outside help with first financial for the loss mitigation. But after months they wanted so much money and they were not helping. A cease and desist was placed on the account from them but after I refused services I contacted us bank to take off and they never did. Just to date again submitting a letter stating all of this the letter was forwarded to customer advocacy because of my letter being worded in form of a complaint. Nothing had been done. It is just amazing how I was never told until customer advocacy received my letter that I could pay on the mortgage. I contacted us bank several times to try and make payments they always said i could not due to bein g 5 pay ments past due and then of course the balance was growing. it have to be paid in full. When I did pay they sent payment back. Part of it is still in suspense acct. all I am trying to do is get my home back on tract. My home has been in our family since it was built on  XXXX . It would of never fallen behind If my mother did n't pass away suddenly At  XXXX . All of the loan advisors just told me to put it up for quick sale or a deed in lieu so I can just walk away. That is not right to advise when I am trying to save my home. I only have  XXXX  on this property and the value is  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation