Consumer complaint received 2021-04-22
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. On the mortgage I am still listed with the last name XXXX. I have a XXXX XXXX mortgage that is taken care of by U.S. Bank. It is loan # XXXX and I call phone # XXXX which is their mortgage department to get information about this mortgage when I am checking on it. The property address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My husband, XXXX XXXX, and I purchased this home in XXXX. We are now divorced and it was finalized in XX/XX/XXXX. According to our settlement, he is responsible for the mortgage because he resides in the house that is collateral. I did NOT sign a Quit Claim Deed because I am still on the mortgage debt. We are currently in a chapter XXXX bankruptcy and he was planning to refinance at the end of the bankruptcy which does not take place until XXXX of XXXX. 

I have several issues of my complaint and have called U.S. Bank many times regarding my concerns. 

1 ) My ex-husband took advantage of a Covid hardship that placed the loan in forbearance. In XXXX or XXXX of XXXX he placed the loan in the hardship for 6 months. At the end of the 6 months he extended for another 6. Neither times U.S. Bank asked for documents proving he was going through a hardship. Nor was there any documentation of the forbearance. I was not notified by the bank or my ex husband of the forbearance. I did not find out until many months later in XXXX of XXXX. By this time the deferment was already extended. He did not pay taxes, interest nor insurance and the accumulated amount is over {$11000.00}. He wants to add this to the balance of the loan. I have not lived in this house for 2+ years. I fear he will not be able to refinance because of this. 
Consistently with every call I made to U.S. Bank since XXXX, I have been consistently told there was no documentation of the forbearance nor did there need to be any proof of Covid hardship. 

2 ) The mortgage company wants me to sign documents to add the accumulated amount to the back of the loan. But they have not provided me a copy of it. I called XX/XX/XXXX or XXXX requesting them to send me the documents of the deferred plan. I spoke with a woman named XXXX and she said she could not send them to me. She said they were already sent to XXXX and our bankruptcy lawyer and I would have to reach out to one of them. After reaching out to our bankruptcy attorney, they said they never received any documents and my ex-husband will not send them to me because he knows I am upset about this. 
I did contact U.S. Bank on XX/XX/XXXX to explain to them that I still have not been able to review the documents. I spoke to a gentleman named XXXX and he said he could send them to my email and I should receive it by the end of the day. It is now XX/XX/XXXX and I still have not received them. 

3 ) This extension that was granted but I did not approve will no doubt cause me financial harm regardless if I sign the documentation or don't. Either I sign the modification and add this money to the loan OR I don't and the house will go into foreclosure and affect my finances and credit history.

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