Consumer complaint received 2020-10-02
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a loan through US Bank Home Mortgage in XXXX, XXXX. I have gone through XXXX bouts of XXXX, mutilple modifications, and a XXXX Judicial Foreclosure Proceedings and battle with US Bank 's attorney, through Asset Foreclosure Management XXXX XXXX of Alleigant Law in approximately XXXX. 

Since then, despite paying and currently living in this home, I've been paying through modifications and currently am current and outside of modification. I've paid property taxes. I am current on my mortgage yet CAN NOT find a record in ANY of the XXXX credit reporting agencies for my mortgage. I have been XXXX twice since XXXX and have been in modifications, but have consistently been the owner of record in the XXXX XXXX XXXX department. 

I have never refinanced my loan and have had to pay for an attorney fees to get back in my home after moving out after an assault inside my home that led to my first bout of XXXX. Despite defaulting on XXXX fees, and their attorney fees as a result of the judicial foreclosure US Bank brought against me. I now owe $ XXXX more because my account has never been updated to reflect that I'm current. I don't understand how it's possible to be this far behind and have not indication that I ever had a mortgage through US Bank through any of the major reporting bureaus. 

My credit report has suffered significantly because of lack of financial stability, despite having this condo for XXXX years. I am now in a second bout of Federally approved XXXX and live on a very low income, during a global pandemic AND I'm still CURRENT on my payments. I'm an XXXX XXXX, single woman without a college degree, a deep trauma recovery survivor, a survivor of a very recent medical and XXXX discrimination and criminally harmed on XXXX of XXXX. SOMEHOW, I'm still alive and just realized the one good thing in being a homeowner I have is not even valid. And US Bank National Association has strung me along for the last time. 

Please look into this. I'm not lying. I have proof of everything attached. I was a legal assistant and submitted all records to US Bank during the ENTIRE process of the Oregon Foreclosure Avoidance ProgramXXXX XXXX XXXX XXXX XXXX XXXX That is where I met the banks representative, XXXX when she was under the law firm Law office XXXX XXXX XXXX XXXX XXXX Foreclosure was her business name. The agency took control of my condo for several years of my condo and I rented at far more than the cost of my mortgage from approx. XXXX through XX/XX/XXXX. Plus I had to move a total of 3 times to get back to this place and pay for movers. I could not handle rectifying this matter at any other time except that it is distracting me from the newest trauma by advocating and rightly defending myself here. 

I greatly appreciate your assistance with this matter. 

Thank you very much, XXXX XXXX XXXX

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