Consumer complaint received 2023-10-10
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Wrongful foreclosure/sale of property XX/XX/XXXX WITH OUT RECOURSE. When the original complaint filed with CFPB FILE # XXXX XX/XX/XXXX on U.S. Bank Home Mortgage rebuttal was received. In the Beginning of the Rebuttal U.S. Bank states that when the hardest hit funds WERE RECEIVED the funds were applied to missed payments from XXXX thru XXXX. NO WAY THIS IS POSSIBLE WE LIVED IN A HOME FOR 5 YEARS AND THEY NEVER RECEIVED A PAYMENT. I'M EDUCATED ENOUGH TO BELIEVE THAT NO COURT SYSTEM WOULD AGREE WITH THIS NOR ANY GOVERNMENT AGENCY UNLESS LOOPHOLES WERE INVOLVED. IF THE JUSTICE SYSTEM IS IN AGREEMENT WITH THIS IT HAS TO BE DISCRIMINATION ON ALL PARTIES. 
During the period XXXX thru XXXX I was in an active XXXX XXXXXXXX bankruptcy ; The trustee is in charge of sending all payments to the creditors and in fact I was garnished for these payments. ( XXXX XXXX XXXX filed XXXX XXXX ). There were multiple Addendums as well however U.S. Bank fell to acknowledge those. During the Bankruptcy process I was dealing with an entirely different Law Firm that represented U.S. Bank they were the attorney 's that showed up to the creditors meeting for U.S. Bank and agreed with the terms for the XXXX XXXX. 
U.S. Bank was being paid through Bankruptcy which show I was caught up with arrearages and the payments were continuing after the discharge of the bankruptcy. I asked for the Bankruptcy to be stopped because one of the rules of the program ( XXXXXXXX XXXX XXXXXXXX ) you could not be in an active bankruptcy. I reached out to my attorney who reached out to the trustee board and advised them of this matter which is why the XXXX XXXX  stopped abruptly in late XXXX. When my attorney spoke with the trustee board and advised them of {$35000.00} approval the response was astonishing. My Attorney advised me when that payment comes in you should not owe much per the trustee board this was the best route taken in my situation. 
This was not the case US BANK OMITTED ALL BANKRUPTCY PAYMENTS AMOUNT OF {$25000.00} AND APPLIED THE HARDEST HIT FUNDS TO THE SAME YEARS THEY WERE PAID THROUGH THE ACTIVE BANKRUPTCY. U.S BANK CLEARLY STATED THIS IN THE CFPB COMPLAINT. 
U.S. BANK WAS NOT TO APPLY ANY OF FUNDS FROM THE HARDEST HIT/ XXXX XXXX XXXX XXXXROGRAM TO YEARS I WAS IN AN ACTIVE XXXX XXXX HOWEVER, U.S. BANK AND CLEARLY OUTLINED IN THE REBUTTAL TO THE GOVERNMENT FILE XX/XX/XXXX THAT THE FUNDS WERE APPLIED TO XXXX PAYMENTS FROM XXXX. 
U.S. Bank was Notified by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about the approval and asked amount delinquent and unpaid principal U.S. Bank responded {$4000.00} delinquent and unpaid principal amount of {$80000.00} which does not coincide with the Trustee board after the payments through the XXXX  XXXX. ( PLEASE SEE ATTACHED DOCUMENTS ). HAD U.S. BANK APPLIED THE FUNDS FROM THE HARDEST HIT CORRECTLY AND NOT REPAYING THEMSELVES AGAIN FOR THE YEARS OF XXXX WHEN IN AN ACTIVE XXXX XXXXXXXX THE FUNDS WOULD HAVE BROUGHT THE UNPAID PRINCIPAL DOWN TO {$45000.00} amt U.S. bank sent to XXXX XXXX XXXX ) XXXX $ XXXX AND THIS EXCLUDES THE AMOUNT PAID THROUGH XXXX XXXX THAT HAS BEEN OMITTED. A XXXX XXXX XXXX Representative is also available to speak on my behalf. The day I signed off on the legal document for the funds for the Hardest Hit program the representative was disappointed and stated U.S. Bank is one of the hardest banks we have ever worked with when it came to this funding something seems off. Went on to say they have no idea how it is possible for me to owe this amount " the amounts does not add up ''. 
U.S. Bank sent a modification document dated XX/XX/XXXX XXXX different times forcing me to sign the document and was told by the representative if I did NOT sign the modification the funds would be forfeited and sent back. Fact the same individual that rebutted the government file XX/XX/XXXX provided this threatening information which is threatening and intimidating especially all I have gone through. Later down the line I found OUT that was not true. These funds were not repayable as long as the individual stayed in the home the 5 year period. U.S. Bank made sure I stayed in the home to take the home from me. please see all attached documents.

2. BEING IN AN DISCRIMINATIVE POSITION WITH U. S. BANK AND THE INFORMATION BEING BROUGHT FORWARD. U. S BANK NEED TO BE HELD LIABLE FOR THE PAIN AND SUFFERING I'VE SPENT DAYS DURING AND AFTER WORK, SCHOOL, RAISING MY FAMILY XXXX  GIRLS ON MY OWN, SINGLE, XXXX WOMAN, AND MINORITY. I HAVE RECEIPTS THAT SHOW THOUSANDS HAS BEEN SPENT TO SAVE MY HOME AND U. S. BANK WILL NOT ADMIT TO WRONGDOING AND CORRECT THE MISTAKE AND MAKE THIS RIGHT. XXXX WAS THE 5 YEARS FOR THE HARDEST HIT PROGRAM AND WHAT THEY DO MADE SURE THEY FORECLOSED ON THE HOME AND TOOK IT FROM ME AFTER WRONGING ME AND THE COURTS SYSTEM. 14 YEARS THE MATH IS NOT MATHING. HARDEST HIT FUNDS SHOULD HAVE APPLIED STARTING YEAR XXXX FORWARD NOT XXXX. THIS IS DOWN OUT THIEF OF U. S. BANK AND HAD THE AUDACITY TO ADMIT TO DOING SO AND THE COURTS APPROVED IT. 
I ALSO CAN PROVIDE DOCUMENTS THAT HUD HAD FAILED MY LOAN HOWEVER THIS LOAN MADE IT THROUGH THE SYSTEM SOME HOW XX/XX/XXXX UPSIDE DOWN LOANS IS WHAT THEY CALL THEM. DOCUMENTS FROM XXXX XXXX XXXX XXXX XXXXXXXX, APPRAISALS OVER PROPERTY VALUE, TAXES DROPPED HOWEVER STILL BILLED HIGHER AMOUNTS, DIFFERENT FHA DOCUMENTS, DIFFERENT AMOUNTS OWED. XXXX XXXX XXXX XXXX XXXX THOUGHT I WAS PURCHASING A HOUSE ON XXXX XXXX XXXX ; THIS WAS WHEN RENT TO OWN WAS TAKING PLACE. WELL XXXX XXXX XXXX FLOODED WHILE WE THERE AND I REFUSED THIS HOME. XXXX XXXX XXXXXXXX AND LENDING DROVE ME AROUND UNTIL I FOUND XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX OHIO XXXX. A HOME ON THIS STREET WAS CHANGED FROM A 2 FAMILY TO A 1 FAMILY WHICH NOW CHANGE ADDRESSES. THAT BEING SAID THE HOME WAS A FORECLOSURE XXXX XXXX XXXXXXXX AND LENDING PAID XXXX OR LESS FOR IT. ONCE REHABBED AMOUNT FINANCED XXXX FHA TOTAL PUT DOWN {$7700.00}. THIS WAS THROUGH ALL OF THE FIRST TIME HOME BUYER PROGRAMS I SPENT DAYS TAKING AND USING VACATION TIME THIS IS ANOTHER GOVERNMENT ENTITY AFTER COURSES YOU ARE RECEIVING FUNDING FOR DOWN PAYMENT AND CLOSING CLOSE WHICH AMOUNTED TO {$4500.00}. CASH AMT PUT DOWN BY ME. {$2500.00} CLOSING CLASSES {$3000.00}, AND ADDITIONAL AMT PUT DOWN {$1500.00}. NONE OF WHICH IS RECORDED ON XXXX XXXX XXXX XXXX BUT FOUND ON XXXX XXXX XXXX DOCUMENTS. ALSO, MY ORIGINAL FHA NUMBER WAS FOR XXXX XXXX XXXX THE HOME I REFUSED TO PURCHASE. WHEN XXXX WAS CHOSEN THE FHA NUMBER NEVER CHANGED WHY WOULD 2 HOMES BE UNDER THE SAME FHA NUMBER. I ADVISED FHA OF THIS AND WAS INSURED THAT THIS IS SOMETHING THEY DO NOT DO. FHA NUMBERS ARE GIVEN FOR EACH HOME AND IF YOU DID NOT PURCHASE THAT HOME THE FHA NUMBER WAS ATTACHED TO THAT HOME IS VOIDED AND A NEW FHA APPLICATION WOULD BE COMPLETED AND A NEW NUMBER WILL BE PROVIDED FOR THE HOME THAT YOU CHOOSE. THAT'S NOT WHAT HAPPENED I HAVE PROOF OF THIS AS WELL. BOTTOM LINE SINCE XX/XX/XXXX US BANK HAS NOT BEEN HONEST AND HAS TRIED TO MAKE ME LOOSE MYSELF IN DOCUMENTATION IN HOPES OF JUST WHAT US BANK INTENDED ON DOING AND THAT IS TAKING OUR HOME LIEING ABOUT FUNDS RECEIVED FROM XXXX XXXXXXXX AND REPAYING THEMSELVES FOR THE KNOWINGLY YEARS THEY NEW I WAS IN THE XXXX  XXXX THE REFUSED TO CORRECT THIS MISTAKE ON SEVERAL OCCASIONS EVEN THROUGH THE COURT SYSTEM, THE SYSTEM I THOUGHT WAS FOR RIGHT AND THEY ALLOWED THE BANK TO STILL WRONG ME. THE NEXT FILING ON US BANK IS DISCRIMINATION IT FITS ALL OF THE CHARACTERISTICS IN MULTIPLE CODES. 
THIS ISSUE COULD HAVE AND SHOULD HAVE BEEN RESOLVED THE FIRST CALL TO THIS BANK HOWEVER THEY CHOSE TO CONTINUE TO GO WITH THE FACT NO PAYMENTS RECEIVED YEARS XX/XX/XXXX, XXXX XXXX XXXX XXXX THE COURT ALLOWED THE LIE. WHATS MORE U.S BANK FILED THIS FORECLOSURE UNDER XXXXXXXX XXXX SPOUSE OF XXXX XXXX AND MY EX HUSBAND SIGNED OVER THE DEERS TO THIS HOME DURING THE XXXX XXXX XXXX PROCESS THIS BANK FOUND ANYWAY POSSIBLE TO SKATE BY THE COURT SYSTEM TO TAKE THE HOME ANYTIME A BANK CAN CLEARLY PUT IN BLACK AND WHITE A PAYMENT HAD NOT BEEN RECEIVED FROM XX/XX/XXXX, XXXX XX/XX/XXXX FOR 5 YEARS TO BE EXACT AND I'M STILL OCCUPYING THE HOME KEEPING IT UP, PAYING FOR REPAIRS, CUTTING GRASS MAKING SURE NO VIOLATIONS COME ABOUT FROM THE CITY , PUTTING IN NEW HOT WATER TANKS, REPAIRING CRACKS, HAVING THE STEPS REBUILT ON THE DECK ( XXXX ), HAVING TREES REMOVED THAT WAS DAMAGING TO THE UNDERGROUND FOUNDATION, AND ETC ETC, ANYONE THAT HAS A HOME KNOW EXACTLY WHAT IT TAKE. 
TO INSULT TO INJURY US BANK BOUGHT THE HOUSE BACK IN THE AMOUNT OF {$100000.00}. AMOUNT IN COURT WAS {$83000.00} THEY ADDED THAT THEY HAD TO PAY BACK TAXES IN EXCESS OF {$33000.00} THEY MADE SURE THAT THEY CAPITALIZED EVEN OFF RE-PURCHASING THE HOME BY LIEING ABOUT THE TAXES AND INSURANCE AS WELL. I WILL REITERATE HAD THE HARDEST HIT FUNDS HAD BEEN ALLOCATED PROPERLY THEY WOULD NOT HAVE BEEN ABLE TO CAPITALIZE ON THIS IN COURT BECAUSE BY BANKRUPTCY XXXX  XXXX LAW ALL TAXES WERE PAID UNTIL THE MISS APPLYING OF HARDEST HIT FUNDS

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 non-monetary relief