Consumer complaint received 2017-06-08
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX. I closed on my home XX/XX/XXXX, my interest rate is 6.125 %. I hade XXXX XXXX XX/XX/XXXX and I had fell behind in my mortgage. I contacted U S Bank Home Mortgage concerning my XXXX and I was out of work for 8 weeks. I have paid U S Bank until XX/XX/XXXX. I sent two money orders and they sent the money orders back for XX/XX/XXXX and XX/XX/XXXXbecause they stated I was behind and only owed one month but they sent my money orders back. I contacted U S Bank and my loss mitigation officer name is XXXX XXXX. I have been in contact with XXXX XXXX on numerous occasion. I have been begging XXXX XXXX to start my loss mitigation because I am back working full-time since XX/XX/XXXX. I fill out two mitigation loss forms to resume my mortgage because I had a loss mitigation offered to me for Hurricane XXXX and Hurricane XXXX. I received email from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Every time he requested documents, I sent them to him and I have every thing that I sent him and the email letters. XX/XX/XXXX one of U S Bank officers called on behalf of XXXX XXXX requesting documents again and the loan officer told me that your loss mitigation should have been approved. As of XX/XX/XXXX my loss mitigation still have n't been approved. XXXX XXXX and U S Bank have been lying to me for over a year. My first request was XX/XX/XXXX for a loss mitigation. XXXX XXXX and U S Bank have allowed my mortgage to get behind 14 months and {$12000.00} behind. I could have been making payments because I have been working full-time. I sent them every pay check stub, my husband and my XXXX brother award letter. XXXX told me Monday XXXX XXXX that U S Bank is on the loan servicer and XXXX XXXX XXXX hold my home loan. I notified the the HUD agency in XXXX XXXX as well as filed a compliant with the Federal Trade Commission concerning XXXX XXXX lying, evil and fraudulent tactics and antics. When I signed the mortgage papers on XX/XX/XXXX, I had a HUD home with FHA loan paper that was signed and included. HUD agency in XXXX XXXX told me I am not listed and referred me to XXXX XXXX and a gentleman by the name of XXXX told me they could n't help me because my loan is a USDA loan. XXXX XXXX stated that U S Bank reported to the credit bureau that my home was in foreclosure on XXXX XXXX and he told me that U S Bank is trying to take my home away from me because they could have help me through loss mitigation and XXXX program. XXXX XXXX and U S Bank has allowed my home to be behind for 14 months and {$12000.00} behind so they can take my home by putting the money at the end of my loan refinancing it with a conventional rate instead of the fixed rate I have and refinancing my loan for another 30 years. I have been in this house for 18 years and XXXX XXXX is intentionally not processing my loan to steal my home from me so they can get money out of home equity because it is worth more than what I paid for it. XXXX XXXX wants me to pay for a {$85000.00} home which is only owed {$64000.00} for 30 more years which will be 48 years for pay for a house that only cost {$85000.00}. I have live in and put equity in my home. XXXX XXXX, U S Bank and XXXX XXXX XXXX have taken my FHA loan that I signed on XX/XX/XXXX and now it 's a USDA loan, they have allowed my loan to be behind for 14 months by asking for the same information over and over again to make the money that I owe to be in the XXXX of thousands so, I can not catch up and to steal my home away from me. XXXX XXXX, U S BANK AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS AS A US CITIZEN AND AS A CONSUMER. XXXX XXXX asked me why did U S Bank never offered me the XXXX program that was available to American people that was in financial distress, I told him U S Bank is mad because I reported them to the Federal Trade Commission and the Consumer Finance for not wanting to release the money XXXX XXXX  had sent to give the contractor for repairs to my home for the tornado in XX/XX/XXXX so, they are evil enough to refuse to approve of my loss mitigation and to allow my home to get so far behind until it is in foreclosure according to XXXX XXXX who investigated U S Bank and told be the truth about this evil, fraudulent company. XXXX XXXX and U S Bank have proof I could have been paying my loss mitigation and they refuse to approve it to steal my home away from me. I will attach every letter, communication and check stub I sent to XXXX XXXX and U S Bank as well as XXXX XXXX XXXX to prove I have been in communication with him since XX/XX/XXXX. I do not want XXXX XXXX to be my loan officer, he as well as U S Bank and XXXX XXXX XXXX should be investigated by the federal government and the Federal Reserve Bank and all authorities that are over the jurisdiction of home loans and the unfair treatment of American citizens and tax payers.

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