Consumer complaint received 2019-09-23
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is formally filed because on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX titled LENDER-PLACED INSURANCE CONFIRMATION OF NON RENUAL. US Bank Home Mortgage is the institution that I have my mortgage with. The RENEWAL reason given by the mortgage company for the reason for non-renewal was Request of the Name Insured Mortgage. I am concerned with this institution not only vandalized my home, stole all my jewelry and money that I kept in my safe at home while I was working for the XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia. This institution knowingly that I was paying for my own insurance at that time, contacted my prior insurance company XXXX XXXX to tell them that my house was vacant when in fact it was not. Yes, I could have rented it out since I was working outside the area ; however, this action of them to get inside my house ; change my lock from the back of the house and steal from me is unjustifiable. 
While working for the XXXX, I was the person warranted holding the agency Credit Card with US Bank Home Mortgage. I was in constant communication with this institution while doing a Modification to my house in XX/XX/XXXX and XX/XX/XXXXwhich the modification was never approved and no reason was given. 
On XX/XX/XXXXmy house was hit by hurricane Mathew and since I was the one paying for my house insurance, I proceeded to file the proper claim. The insurance company paid in part for the repair of my house and the checks sent were sent and endorsed under both XXXX XXXX XXXX  and myself. I sent these checks to US Bank to be endorsed so I can provide the proper repair to my house because the City of XXXX XXXX inspectors were taking me to court almost in a weekly basis due to failure to make the repairs. 
US Bank had told me, that they would not approve any company to do the repairs unless they were Class A Contractor. This caused a delay of the repairs since there were not Class A contractor available at that time. Us Bank refused to allow a license contractor to make the necessary repairs to my home, because US Bank Home Mortgage was the lender mortgage. As a result of US Bank action, I was fined by the court which I am now appealing to the Virginia Court of Appeals. 
I need this complaint to be investigated as to why all the harassment and the fact that I have been paying my mortgage which in the past US Bank Home Mortgage has returned to the XXXX XXXX, the institution that I bank with. 
I am enclosing the prior complaint and attachments as well as the letter received from US Bank Home Mortgage cancelling my insurance effective XX/XX/XXXX, at XXXX XXXX. 
Lastly, this situation and prior actions from US Bank Home Mortgage only confirm what I suspected from the beginning ; US Bank wants my home at all cost ; however, I have invested a lot on my home and have a lot of equity invested in it.

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