Consumer complaint received 2016-04-03
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I sent a " Qualified Written Request '' to US Bank Mortgage requesting my loan origination documents. The request specified my loan application, right to cancel, deed of trust, balloon mortgage, mortgage note, truth in lending, good faith estimate, appraisal ( including comparable properties used to arrive at value for loan and all required disclosures. ) I also requested these documents be legible and all original documents copied in their entirety. Plus a copy of the payment history of the loan including all payments made, all fees incurred and how payments were applied for the life of the loan. 
The information that XXXX mortgage sent and the response letter is attached to this complaint. They stated they sent my RESPA, truth in lending settlement, pay history, and notice of right to cancel. They state I would need a subpoena to receive the other documents due to confidentiality issues. The balloon rider they sent is not mine. ( see attachment ). It 's a client living in XXXX, OH. Also they sent a copy of my XXXX mortgage which has been paid off since XXXX XXXX. They did not send a copy of my current mortgage, deed in trust, appraisal and the truth in lending disclosure was not in its entirety. They sent XXXX copies of page XXXX. ( doc is attached XXXX XXXX 15 year balloon mortgage was closed on XXXX XXXX, XXXX for $ XXXXXXXX7.34 % interest and finance charge of {$100000.00}. My payments are {$700.00} and the original due date was the first of every month beginning XXXX XXXX, XXXX with a 15 day grace period. The payment history that I received shows XXXX payments were applied to interest only from the beginning of the loan until XXXX/XXXX/XXXX. ( see attachment ) Also the principal amount paid throughout the loan is inconsistent with some months only {$29.00} or less being applied to principal with a full payment within the grace period. I requested help with my mortgage in XXXX after a on the job injury and I was told that my loan was not a mortgage it was a signature loan. US Bank told me I did n't qualify for any help since it was n't a mortgage. If you look at the payment history from the beginning of my loan they were treating as a simple interest loan. They were miss applying my payments. I did request a due date change and it was granted. Now my mortgage is due the XXXX of the month. Also on the payment history that I attached it shows they moved my loan to the mortgage department XXXX/XXXX/XXXX and gave it a mortgage account number. I never signed for a signature loan I have mortgage documents. I am questioning the principal balance of my mortgage. There are several payments I made specifying the extra monies to go to " principal only '' on the payment coupon and they were not applied. I feel XXXX Mortgages accounting is not correct plus they do not have my original documents. They are so worried about customer confidentiality but they send me someone else 's balloon note. I am trying to get a loan modification but with the principal balance in question it can not be done until forensic accounting looks over my loan payments. I have attached all documents to prove my payments and XXXX XXXX response. How can they apply XXXX payments to interest only plus be inconsistent through the entire loan at applying principal payments. You can see through the history something is incorrect. They way they are applying payments I will never get my house paid off.

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 monetary relief