Consumer complaint received 2020-07-13
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
U.S.Bank home mortgage company is the worst company that I have ever had to deal with. Not only were they not helpful by not giving me all the information I could have used, but infact sabataged initially while attempting to work out my mortgage with a telationship manager they assigned to me. In XXXX of XXXX Due to financial hardship initially, my new XXXX  was not bringing in enough to pay for the shop bills and my mortgage. My husband a abandoned me 1 week after opening in XXXX year before, with his income. For the first time since I bought my home in XXXX, I could not pay my mortgage nor ever late, in XX/XX/XXXX. In XXXX I called the mortgage company, told them i would be closing the XXXX, and they suggested to file an application for loss mitigation. Thier recommendation was to file to get the mortgage owed put on the back end, as I did not want to refinance with such a great interest rate, i qualified at that time for that plan. With several faxes and scans and over XXXX  dollars faxing they kept insisting the application was not complete. Meanwhile i had to close the XXXX  and try to salvage what I could selling equipment and such. Finally with no help from the relationship manager they assigned to me I realized myself that I used the application online, and she was looking for a different application sent by mail. Either one would do. Pages were in different order but all the same. She would only say page 5 is missing, would not after weeks of faxing a page 5, or whatever page she wanted while i insisted it is complete, then waited for a response. .. I finally asked for a different manager to work with. The application infact was complete but now the entire app was null and all the bank statements and documents were no good. Application was expired. The lady was missing a page that did not pertain to me and left blank therefore I did not fax that, the pages were over a dollar to fax at XXXX. She used up my time until it was too late. So again I filed and with my XXXX   closed I had not enough income to file for that plan. Meanwhile my son started helping before I was past 3 months late, or they would not take a payment. Now starting over with the app. I no longer had the income to file for that plan but could file for a forbearance. I was awfully upset because I didnt have that choice anymore. My son had moved his family in and was paying while I prepared to change careers, go back to XXXX and sell and salvage what I could. I took the money I made and left for prospects in XXXX   XXXX. Son paid the note. And in XXXX my son was looking at a place for him and his family while I had a good prospects job in XXXX. While I was in out of state a week before finalizing a job., I had been there working on my XXXX stuff, getting my profile in order for several companies. My boyfriend joined me in myv travels. And short story, and he decided on XX/XX/XXXX to XXXX  XXXX. Ofcourse this really set me back. I was in shock and my family had to come as I was all alone in a strange place with my truck and my motorcycle.. they helped me get home. At this point I had to start all over and just get out there and work .stay close to my family and push through. 
I was not able to make the payment that would make me 4 notes behind and the mortgage company would not take a payment after that unless I paid in full. Threatening foreclosure. I pulled myself together and I had a job orientation set for XX/XX/XXXX, it was a little difficult getting the job i preferred being out of XXXX for almost 2 years so i took a job that was less than my skill set and leas money just to get in and I was still healing. On XX/XX/XXXX a very good friend came by to check on me. He convinced me to get out the house. We rode side by side on our motorcycles, he filled my tank and took me to eat a stel dinner I was long overdue. On the way home after dinner, he dropped his bike, he was behind me and I saw. Stopped and had to XXXX XXXX XXXX and XXXX  for him until emt arrived and XXXX. I then spent the last hours of his life with him at the hospital until he died, he had no family in town. I went home by XXXX  and i pulled myself up the morning to start my new job. I was a wreck inside. But i did it.. Now since i had income i was able to reapply. Once i got all the info in, since I hadnt had much for paystubs I also sent an offer letter. This amounted to another denial they said I didnt make enough money. But the calculations they had were not correct. Infact it was double. They told me to appeal. So I did and I got more of the same. I believe I was denied again. Sometime between XXXX and XXXX. I found a short term contract making good money and finally found a lawyer to help after getting foreclosure letters again and again.. I continued to work and a my lawyer actually called and tried to negotiate. I had XXXX minimum and could pay every 2 weeks or however ... and they told him no. So we were just in time to file chapter XXXX the day before a sale date. They did receive money from my trustee ... meanwhile that contract ended 3 weeks sooner than my expected date and I had bot yet secured my next position. Once I did it was again a job that paid less and we would have to change some numbers to financially suit the case, my pay went from XXXX an hour to XXXX an hour. Bankrupsty was dismissed. Meanwhile i was searching for a new job. My lawyer suggested I try again to file the application for loss mitigation first, chapter XXXX cheaper to file and I could offer that extra money to mortgage company. Well i by then started my new job working overtime and i had to have income to apply. And just as I was getting all the paperwork in order to send in the application I received a bill. It was a XX/XX/XXXX statement due due XXXX. {$8300.00} I was real close to having that saved by that time so I kept working over time and just paid my utilities. .. and around XXXXXX/XX/XXXX-XX/XX/XXXX, because XXXX would include late fees ... I called and proudly stated I would like to pay my housnote. She said no. I said I recieved the statement I would like to pay it in full. Again she said no. That was not accurate. I said why not. And she said it is in foreclosure. I said why did u send a bill? I've saved up now to pay it. He answer was now they have to send reinstatement paperwork with all the fees added such as lawyers fees, ect. 
So they sent it via email. I can send that and the bill. 
And I'm highly disappointed in them because I do believe they want my house. My husband also had a home and they were the mortgage company. When he left me he did not pay his mortgage and they foreclosed and got his house. I kept wondering how they could do that when he has a wife and they did not even address me about it. They just foreclosed his home. That was before I was ever late on my own payment. Us bank, I think has done nothing to help me. And they will not bend. Now they want almost XXXX.  After they clearly sent me the statement for {$8300.00}.

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