Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
THIS VERY SERIOUS ISSUE has still not been resolved- This property is vacant and a health hazard in its current condition. It has been vacant since XXXX XX/XX/2022. They NEED to get the keys from me Prior complaint resulted in them sending me a jpg of the same documents they sent in the mail stating I owe taxes. I do not owe taxes. I never owed taxes. I never missed a mortgage payment they refused to take the mortgage payment at all. They told me repeatedly all or nothing. I did not have the all I purchased the property because I didnt have to pay the taxes! 

PRIOR COMPLAINT : I closed on a property at XXXX XXXX XXXX XXXX XXXX IL XXXX. Us bank much to my horror purchased my account. I was unable to setup autopay because of an existing secure credit card I opened about a year prior and had been unable to close or access the secured funds, even after repeatedly contacting them. Due to this card I couldnt access either account. I finally got a copy of this credit card to actually utilize my own funds theyd refused to return for a year. However, after receiving the card I couldnt make a payment to it online and couldnt get a statement sent to me, knowing I still had about XXXX $ credit I closed the account hoping this would clear up mortgage drama plus I cant pay an account they wont give me payment information on. They then held that account open until finance charges applied so they wouldnt have to return any money to me. On XXXX XXXX I went to pay my mortgage and they said I owed almost XXXX instead of XXXX. I said I dont have XXXX I have XXXX. I went from department to department explaining I do not owe the taxes, clearly there has been an error. In the state of XXXX I do not pay property taxes which is why I bought a home here and not Indiana. I am a 100 % Permanent and Total Service Connected XXXX ( medically retired ) veteran. That entitles me to XXXX property taxes. I said Id clear it up I still wanted to pay mortgage. They refused. They refused to correct the issue, they refused to take the mortgage payment. I contacted the state of IL and went to XXXX office to submit form and copy of ID proving my status. They stated theyd clear it up. I have all 3 past due mortgage payments. Now theyre stating I owe almost XXXX for this years taxes- again, I dont owe them. This is the law. ALL paperwork was provided in order to write the loan WITHOUT property taxes to get it to clear closing. In the meantime it has come to my attention that this loan should never have been approved. I am missing disclosures from the seller, the hvac collapsed, the window doesnt shut and is stuck open, there is no heat, the foundation wall crack that was repaired is leaking, there is a profound mouse and electrical problem the seller had to have known about. I want to return this house in a deed in lieu of foreclosure. I am suing the parties involved in this sale and us bank for negligence and breach of contract. I NEVER refused to pay my mortgage. I have never not been able to pay my mortgage and I can prove this because I am using the money to move out. By failing to accept my payment over a tax bill I provided proof I do not pay AT CLOSING, and then push me into foreclosure while waiting to prove I do not owe taxes us bank has failed their end of this financial obligation and contract in what appears to be a breach of contract. It WILL be cleared up by the state that I do not, in fact, owe taxes. Also- us bank technically would be owing me money over this had they not chosen to refuse the mortgage payment. Likewise I couldnt escape the home from XXXX had they not been so blatantly ignorant. I was always transparent- I am being so now. They FAILED to honor their agreement and are forcibly foreclosing on me in the process when the money was always available to make the payments. Please assist

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