Consumer complaint received 2019-10-22
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, My house is in foreclosure proceedings and the foreclosure sale date is set for XX/XX/2019 of this month. I have tried hard to work with my servicer, Us bank, and all my efforts have resulted in vain. I have been asking Us bank and its representatives to provide me with all foreclosure related correspondence in writing via email and they have ignored all my request so far. I have also mentioned to them that i have a XXXX XXXX and hence difficulty in understanding almost all forms of oral communications and also for something to fall back on for legal purposes should the matter go to legal proceedings. My relation manager with Us bank is so keen on pointing out to me that foreclosure sale is only imminent and that I am doomed. So far all the options explored to save my house and to stay in it have been researched by myself independently. I had submitted a mortgage assistance packet back on XX/XX/2019 of this year and it got rejected on the grounds that I do not have enough equity in my house and one or two months prior to myself submitting this packet, I had received a letter from Us bank indicating the appraised value of my house and this appraised value stood at {$560.00} XXXX or very close to this figure. Us bank used XXXX XXXX decision of not having enough equity in my home vs the market value price of my house as a reasoning to disqualify myself for any mortgage assistance help or to stay in my home options. Us bank and its representatives informed myself that it was at XXXX XXXX discretion. I went directly to XXXX XXXX and they informed me that they have no record of Us bank approaching them on this matter and I had also researched that a program called XXXX XXXX streamline flex modification existed but this time and Us bank and its representatives had failed to advise myself of this option. XXXX XXXX assigned a case manager to look in to this matter and this case manager contacted Us bank and they launched an internal investigation in to the matter. I repeatedly asked for updates in to this Investigation i and at same time.reapplied for mortgage assistance and submitted another help packet. Once again. I requested Us bann and its representatives to communicate all correspondence in a writing via email for my records. My request was ignored again and asked to call the 1 -800 mo. For Us bank to get further information or updates for my file and mortgage assistance application. It is interesting to know that communication via email was okay for Us bank previously and all of the sudden I had to depend on oral correspondence for UPDATES on my complaint and my mortgage assistance application. Please note that this went on for few weeks and I have record of all emails sent by myself to Us bank and did not receive any response and the auction date of XX/XX/2019 had been approaching rapidly. I have also had great difficulty in working with my relationsnoo.manager aa she did not understand the concept of myself having a XX/XX/XXXX rand the diffculities or issues I was facing due to oral forms of communications. She also asked, during our last phone call conversation, If I would need a different relationship manager a s my response was, " YES. '' As of today, we are siting on three days to foreclosure auction date and on the notion that a man with XXXX is going to be homeless and nothing is being done ot accomplished in the matter! I am in need of immediate assistance and I am requesting it with both hands and I need your help. Plesse reply back with proper legal guide line or towards a organisation or an individual who can guide or assist myself so I can stay in my home. I have not come this far with a XXXX to loose my home and be on streets to wander around aimlessly! I will keep knocking on doors till my cry for help is answered. I have worked day and night to get this little home of mine and turned my blood in to sweat to be a proud home owner and live the American Dream only to loose it Sinecelry XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX -- - In Immediate Need Of Assistance in WA state

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