Consumer complaint received 2016-04-27
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the second complaint of XX/XX/XXXX. My complaint is on US Bank, we have been trying for over two years now to file for modification. We were given one modification XX/XX/XXXX and we paid two full months of the modification. The bank cancels our modification, through their own miscommunication, which they admitted. We have been applying for a second modification since XX/XX/XXXX, our house is now in foreclosure with the sale date of XXXX XXXX at XXXX XXXX XXXX. Since XX/XX/XXXX we have had a total of XXXX different case managers, with this foreclosure the bank is stated that we have made no payments which is incorrect we did pay the two modification payments before they made a huge mistake, we can not get in touch with the case manager we have been ohoning as much as two and three times a day with no returning phone calls. We get information from XXXX different areas of US Bank the obvious of one hand not knowing what the other is doing. We fell on hardship in XX/XX/XXXX, my husband has complied to every article of information as needed. Repeatedly over and over enduring each new case manager. I have now filed a complaint with the XXXX for the concussion syndrome for my husband. We obviously want to keep our home, we have had this battle since XX/XX/XXXX. For the pain and anguish that we are enduring is there not a statue of limitations on this abuse? The bank is admitted to making several mistakes, The bank has applied the wrong amount of money to the simple principle there are countless errors which are all stated in my previous complaints. I will keep filing complaints with you because of US Bank the consistent abuse is published over and over and there has been no retribution for the homeowners trying to save their home. 
I have researched all the rules all the manner in which the time limits that the bank is supposed to comply to. Now the bank wants to make us look as if we have done nothing and all we have done is comply to every thing they have ordered us to do. The banks irresponsible actions should have a time limit to protect us from having to endure this foreclosure we need your help. This is a classic case of abuse U.S. Bank the negligence the inconsistent information, The undoubtedly replacing of employees should show a huge reason for the injustice that U.S. Bank is serving on us. I have contacted you, my Congressman and my governor and I 'm going to go the route again because this abuse is not fair to us who are trying to save our home. Please help, our case is exactly why this bureau was created and we truly need to see that it does stand for justice. Plus having to deal with all of the creepy companies stating that they can help you for money. Because all of this is published everywhere for anyone to find, and all we have done is comply to every request placed on us by the bank.

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