Consumer complaint received 2018-06-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I refinanced the mortgage of a property I have owned since XXXX. The mortgage was with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX , has since sold / transfer the loan to a new lender. During the time period the loan was with XXXX I never received a payment coupon. I sent the payment along with the original payment coupon I received at the close of escrow. At the end of XXXX I was expecting to receive a mortgage summary statement for XXXX. Starting in XX/XX/XXXX, I sent my monthly payment along with a written request for the XXXX mortgage summary statement, as I need this information for filing my XXXX income taxes. In XX/XX/XXXX I still had not received the XXXX mortgage summary statement, so I called the State of Oregon Dept of Consumer and Business Services and filed a complaint against XXXX ( File # XXXX ). XXXX XXXX, Compliance Specialist ( XXXX ) was assigned my file. 

In a letter from XXXX dated XX/XX/XXXX notifying that the escrow account estimate amount was short. 

In a letter dated XX/XX/XXXX from XXXX XXXX XXXX Senior VP acknowledging that they had error-ed in that they were sending documents to my street address, where I don't receive mail, when they had been give my correct mailing address. In the XX/XX/XXXX letter XXXX XXXX informs me that XXXX has transferred the servicing of my loan to MUFG Uion Bank, N.A. and provided a copy of the NOTICE OF SERVICING TRANSFER. The transfer is dated XX/XX/XXXX. 

I have sent XXXX my payments for XXXX and XXXX as I had not been properly notified that the loan servicing had been transferred to MUFG Union Bank., or that there had been an increase in the escrow amount. In XXXX I received several calls from Union Bank staff XXXX ( XXXX ) stating that my mortgage was in default as they had not applied my received payments to the mortgage payments as they were short the addition {$14.00} amount do to the increased escrow estimate. I asked that XXXX with Union Bank send me a written account of the matter. On XX/XX/XXXX, I received the written account dated XX/XX/XXXX of the escrow shortage amount, along with a mortgage statement for XXXX 's payment dated XX/XX/XXXX. On XX/XX/XXXX I sent the payment of {$14.00} for the escrow shortage and a check for XXXX 's payment of {$620.00}. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Union Bank Mortgage Assistance Group Staff XXXX XXXX XXXX XXXX ) Stating my mortgage payment is 31 days or more past due and that the loan is in default! I called Union Bank to speak with XXXX XXXX, XXXX was not available, and was asked if I would like to leave a message. I did, and briefly explained the short history of this loan from XX/XX/XXXX to present, and that I have own the subject property since XXXX and have never been late or behind on a payment until this situation was created by with XXXX and MUFG Union Bank. Since I have not received a call back from XXXX XXXX, I called XXXX XXXX, Compliance Specialist with the State of Oregon Dept of Consumer and Business Services. XXXX said MUFG Union Bank is regulated by the Federal Government and she could not help me here. XXXX provided the phone number for the Federal Compliance Office of the Comptroller of Currency ( XXXX ). I called and spoke with XXXX. I provided XXXX the brief short history of my issue and complaint. XXXX said she can provide me with the name ( XXXXXXXX XXXX ) and phone number ( XXXX ) of the VP of XXXX XXXX Bank, and the office of Consumer Finance Protection Bureau ( XXXX ). 

On XX/XX/XXXX I call MUFG Union Bank VP XXXX XXXX. XXXX 's recorded message identified her as the President of Union Bank. XXXX was not available, her message ask that I leave a message, that she would return the call before the end of the day. I left XXXX the brief history of the situation that has been created by XXXX and MUFG Union Bank. Today is XX/XX/XXXX and I have not had a returned phone call from XXXX XXXX the President of Union Bank, or XXXX XXXX Union Bank Mortgage Assistance Group.

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