Consumer complaint received 2023-10-16
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX l was informed that they were instructed to commence a non-judicial foreclosure on my property. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX by the servicer U.S. Bank National Association . 
The underlying debt is the sole obligation of the individual ( s ) who obtained or who legally agreed to assume the loan. It states the letter should not be construed as an attempt to collect a debt from any non-obligated party, including authorized persons receiving this letter on behalf of the consumer. Then it states other things. ( see enclosed copy of letter ). Who is the individual who obtained or legally agreed to assume the loan????? The loan is not assumable. I have XXXX or XXXX in equity. 
My business closed do to COV-id. I have not been able to find suitable work since XXXX of XXXX. I have been jumping through hoops with the State of Idaho and haven't received a paycheck since XXXX which was not enough to pay the utilities and the house payment and a car payment. I tried to communicate with U.S. Bank and thought they were reviewing my paperwork for forbearance. Seems if you are a native XXXX, you can't get a job here. How could I owe XXXX dollars on a loan that was for XXXX in XXXX. I have paid all the penalties to the tune of XXXX dollars after my forbearance. Which now obligates me to pay HUD XXXX plus interest. If I received the letter on the XXXX, of XXXX how can I respond by the XXXX. I don't show a date when the letter was written. Today is the XXXX, and Sunday. On the XXXX I had the medical Navigator try to help me with the bank. The first person I was connected to said they received the paperwork and were reviewing it. At that time, I asked for a breakdown of the XXXX they received from XXXX XXXXXXXX from the haf program, for the 5th time. Then she kept giving me the run around this went on for at least 20 minutes. The reason I asked for help through the navigator is because this whole experience with U.S. Bank home mortgage has been a nightmare. In XXXX. I claimed bankruptcy but the house was not included in the bankruptcy. I hadn't missed a payment from XXXX to XXXX, when I was XXXX XXXX  on a job. I had started this business in XXXX and at that time I realized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX against a XXXX XXXX woman. That experience cost me XXXX dollars a month. So my part time job of 21 years said they would put me to work full time in XXXX. I was already at the XXXX XXXX which is the place you wanted to be to make more money. So I thought I would be okay. I was also working some hours with the XXXX XXXXXXXX. Then XX/XX/XXXX those were the first two business to shut down. I had worked it out with US Bank so I thought but as soon as I tried to get a loan to start my other business in XXXX I found out that US bank had never reported the sale of my house on my credit report. I filed a complaint with the CFPB because they had received money from Respa in XXXX when I made the payments. So they finally gave me the forbearance after the complaint. 9 months after first asking for help. Then in XXXX I was behind 3 payments and had just got divorced they said they would push the payments to the end of the loan. The next thing I knew I made an appointment with a person at the US bank on XXXX, she informed me at that time she showed 3 modifications, and I left there crying thinking I was going crazy. One modification said I personally appeared in XXXX. I have never been to XXXX Not only has this loan caused me severe physical harm but jumping through the hoops to get back to work has been one obstacle after another. I was found to be partially XXXX and didn't realize why I was having such a hard time when trying to read the paperwork associated with my mortgage it's been overwhelming it has come close to killing me and I am not exaggerating. That is why I had the Medical Navigator help me because I feel like I am stupid and that I wasn't making myself clear when asking questions and trying to get information from my servicer. Not only did they get XXXX from Hud in my name but they also received another XXXX from me for anything behind in XXXX which was in dispute also, considering the house payments at that time were only XXXX dollars. I have XXXX and it seems that stress is the motivating factor, and it has been attacking my body for over 9 months. I have plenty of equity in this house to help me through this unfortunate battle with the bank. The medical Navigator was still shaking her head when I left her office in disbelief at what had just transpired with that telephone conversation. But she had another appointment and I had already been there for an hour and a half with no resolution. She informed me at that time she understood my distress and was still shaking her head at that time. To address the letter I received from XXXX XXXX XXXX XXXX I am disputing alot of the information in the said letter I received on the XXXX Saturday, at XXXX XXXX. Trust me nobody wants me to get back to work worse than I do. I can't wait to get the glasses that were prescribed me back in XXXX which finally qualified me for services through the XXXX XXXX. I figured since my car was repossessed 2 weeks ago, I could make a house payment once I get back to work. If the stress of it all doesn't kill me first like it did my sister when she lost her house. Now I see how she couldn't get the services she needed being on XXXX and XXXX that took her life in XXXX on the 28 day which was her Grandsons, XXXX birthdays. I thought she wasn't being proactive enough, but I was wrong. Do you want to know the saddest part of all that is her and my nieces ' trailers are still sitting on the land that was supposed to be sold to the big developers that was a bad actor trying to get the property that he/she had no right to. My sister had been there for 17 years and kept the property cleaned up as part of the agreement she had with the owner. If I hadn't been in my own battle with my property maybe I would have realized how sick she was. XX/XX/XXXX was when she had to be off the property that caused her XXXX XXXX that XXXX XXXXer XXXX months later. So, my XXXX is going crazy right now. She was only 18 months older than I am. And the lawyer who almost had my property foreclosed on was her lawyer and he got her XXXX dollars for her trailer and the 17 years she was there. Pretty sad don't you think.

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