Consumer complaint received 2017-08-01
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning XX/XX/XXXX I placed myself in a chapter XXXX to save my home where I payed into the bankruptcy until XX/XX/XXXX before I lost my job. In the event I was being garnished for over {$800.00} a pay which left my family with a revenue of less than {$400.00}. After I had gone through this process I received information on the save the dream program I filled the document requirements out went through multiple classes for this program as well once completed I received a {$35000.00} payout from the save the dream program. Which went towards a loan with U.S bank and in the event the funds came in USBank went back and applied money to the years when I was in an active chapter  XXXX bankruptcy when I contacted them about this matter multiple times they stated they do not see where I was in a chapter XXXX. I had my attorney to send them all necessary documents including check numbers from XXXX XXXX the bankruptcy court. They in return never investigated this properly. When I received the documents from Us bank asking me to accept the terms from the funds from the save the dream program threateningly or I would loose them my home I sent forms back against my will because I did not agree with the terms that 's when XXXX XXXX XXXX he is the one that stated I was never in an bankruptcys and that 's the reason funds from save the dream was applied the way they were. I also explained to XXXX XXXX I had not received a statement from them sinc XX/XX/XXXX he  stated it 's normal I retained an attorney and I was told differently by him. I purchased the home for {$83000.00} I just received a new modification that states I owe over the amount I purchased for the our home they say I now owe {$84000.00}, and for the life of us we ca n't see how. I have spent multiple hours on the phone with Us bank I have multiple documentation showing that it almost took a year before they sent me info contacted with an outcome the list goes on. Us bank sent me a break down of payments not only unapplied but multiple bogus fees are listed as if someone was coming our home to see if it was occupied which added up to over thousands of dollars when the save the dream funds came in. No one had been here acknowledged that they were here, no of the above. The payment was modified to XXXX for a trial and then they went up after the trial was done to the XXXX which was almost a {$100.00} raise I have the documents to everything I have been through with Us bank and then some. I then find out when the house was purchased it was a foreclosure which I new that purchased rounded out to {$23000.00} and the original address to this house is XXXX not XXXX XXXX. I have asked multiple times for someone to sit down in a branch at us bank to show me details they stated I was not able to do so because they do not house that type of information which we find strange. No one I spoke with could effectively help me with the account over the phone. I also find out I was part of the preditory lendind issue that was going on trumping up appraisals etc and they are now incarcerated with multiple years to complete. I am currently working with a program for help however I was contacted by a representative at Us bank that stated I was not able to get a forbearance because I 'm not working because Us bank just did a modification for me but I 'm FHA, per the documents from FHA and multiple phone calls this is not true. I am a single parent with XXXX children and one job and this is terrible on us bank part. When I signed the documents with the save the dream program he stated us bank was not the hardest lender to deal with I see why now, because here it is I took my neighbor to sign for save the dream check her mortgage went down to {$350.00} I have her witnessed documents as well but she is XXXX and I 'm XXXX is there a difference, I believe so now because that is her mortgage and taxes included just not finance through us bank she is with another lender I will not disclose but it is a bank. I had Us bank to send me a break down from the beginning of the loan to present and legal will have to get involved. The fact that myself and others has sent bulk checks to us bank yet they say I owe XXXX. For this home as if I 've never bad anything is not accurate and I will not be part of pretitorty lending I have a family and this is my life. Everyone that contacts me is a relationship manager that day the next couple days later I receive documents the manager has changed I have every single letter too prove as such. No one has tried to help properly I constantly get the run around or transferred to other departments quickly. There are a lot issues with this matter in which I do n't believe I have space to continue because it gets More complicated. I have re - reached out to counsel and others at this time because I have no other choices.

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