Consumer complaint received 2023-10-30
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Approximately XXXX XXXX XXXX XXXX, I got a new loan with a different mortgage company for a 2.75 % loan, was currently with US bank@ 4.75 %. at the time my wife had passed away from XXXX and the house was paid on time after fighting US bank to get it out of forbearance covid program, I paid up on 3 months @ 30 days they reported me late again @ 60 days, found this out through the mortgage lender on new loan my lender is the ex manager of US bank who did the loan with US bank he moved on to another lending company and I reached out to him when Interest rates were good, he did the new loan at a better interest rate but discovered US bank was reporting me late when I was not several conference calls with them and Underwriting, Lender, XXXX, Several times each month. they kept saying they were having problems with System Updates and were holding 3 months payments in a suspended account, while reporting me as late payments affecting my Credit Score, during all this time underwriting and the lender and myself in Conference calls kept asking for a letter of explanation they kept saying they would send months never sent letter. each time over months and multiple calls back and forth continued claiming system update issues sending a letter that never addressed the issue and reporting me late. held me hostage to them and would not meet the requests of underwriting to be able to pay them off. 6 months later I paid for a second appraisal to continue my new loan and continued weekly dealing with US Bank and the Issue with my new lender Explaining how he was a Manager at the time with US bank and was the one who did my loan with them at the time, and how easy it was to do. they kept claiming During this time system Updates were the Problem. to me this seems improper to hold me hostage to there loan at a higher interest rate reporting me late and should be considered hostile lending I suffered an Injury putting me out of work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX caught XXXX 3 times and went through XXXX XXXX XXXX XXXX XXXX XXXX. I was advised that I needed to file with CFPB was Told US bank Messed up. so now after moving on loosing 2.75 % loan I ran out of time on the Covid forbearance went back to US Bank to do mitigation and move forward they XXXX  by phone a new loan saying they would notify me when complete and get payment info, said it would be 4 to 6 weeks before payment due. at about a month no one had contacted me so I called them to be treated rudely stating they tried to pull money out of my account I said no you don't have my banking info to do that said they did and there was no funds. they tried to pull funds from an account that had been closed old account in my deceased wife 's name and mine this account had been closed about a year at this time I explained they said they would reach out to me when it was time and no one even let me know it was complete or a due date and I'm the one calling you saying I could make 3 Payments then and there said no, had to reapply so have since applied approximately 7 times with a lot of hassle and denials claiming missing papers to sending letters stating all received then XXXX to 4 days latter saying again missing paper work denied, further would state needed death certificate again 5 times I personally took paperwork to the bank legal papers and all requested documents to claim missing death certificate again then I call and the person says no we have the death certificate were missing bank statements so I send those to receive a week later a denial again for missing doc 's multiple times same game. now the last 3 months per there advise have been using housing conslor 's and non profit as well as HAF and they all advised me after many more different Issues to seek legal and file with you as well as the non profit alliance setting me up with suggested legal help but they want {$21000.00} to pursue I would rather put what money I have towords my house but US bank keeps adding and wont except my offers, I formally am requesting an investigation and whatever the laws allow at this time in my defense, I feel I've been done very wrong and violations have been comited, my witnesses are XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  and loss mtigation dept US BanK, and XXXX XXXX XXXX XXXX XXXX XXXX. both have highly recomended I file this coplaint... thank you

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