Consumer complaint received 2016-02-16
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank states as of XXXX XXXX 2015 my mortgage was in default. According to US Bank records and my RM, I was current as of XXXX. 
I got a letter XXXX XXXX 2015, and immediately contacted my financial advisor. He wanted a current print out of my mortgage history. I went to my online banking and it was removed from my list of accounts. Only my checking and savings accounts were accessible. I went at lunch to the branch at the XXXX and my mortgage account was frozen. The bank manager could n't even override it. I immediately called my financial advisor for advice and my next steps. I told my RM it was XXXX but it was XXXX She asked why I did n't call customer service since it was probably just a " glitch '' in the system. That was not my first thought since I did n't trust the bank at that point and my first thought was to call someone I did trust and had my interest in heart which was my financial advisor. 
There are some serious discrepancies with my account. The XXXX 2015 mortgage statement states my current contractual amount due is {$6200.00} with {$560.00} in suspense funds. I received a letter dated XXXX XXXX, 2015 stating I needed {$4200.00} to bring my account current. A certified letter dated XXXX XXXX stated I needed {$3800.00} for payments and {$370.00} in late fees. That equals {$4200.00}. 
My XXXX 2015 statement states my total contractual amount due is {$8200.00} with {$1600.00} in suspense funds. Non of this makes any sense. If XXXX was current how am I delinquent on XXXX with {$1600.00} in a suspense account? 

On XXXX XXXX, 2015 I received a letter regarding my interest in being considered for loss mitigation & request for PMI removal. On XXXX XXXX a letter saying I 'm delinquent and if I do n't send secured funds within 30 days, foreclosure & public sale of my property will follow. I find this very interesting that since I asked for financial options to keep my home, I 'm threatened with public sale. I was also sent an appraisal of my home valued at {$330000.00} and I owe {$250000.00}. Since housing has gone up in my area, I find this to also be very suspicious. 
Yes, I was sent a XXXX packet to fill out and I did ask how I could go about removing XXXX XXXX from the loan since he has n't paid towards the loan in over 5 years. During that conversation he said I would have to refinance or get a quick claim deed. I told him I could n't find him on title in the KC records. If he 's not on title, he would have had to have a quick claim deed. He was not able to find a quick claim deed nor did he see him on title. This poses a serious problem I would think? If US Bank has my loan they should be able to tell me if they have him on the title or if they have a quick claim deed. How can I accurately and truthfully fill out the packet without having that information? He does n't contribute and I should n't have to put his income information on the paperwork if he is n't on title. This is the reason I was asking for a modification in the first place. 
After stating I was delinquent US Bank reported a negative report on my credit history and continues to charge me for periodic inspections of my property. I asked my RM to have that removed and she said NO, you missed a payment. I told her my account was frozen, removed from my online banking and my financial advisor can not see where I was delinquent. 
It was degrading enough to file bankruptcy to keep my children in their home but to ask for assistance and get all this and then a negative credit reporting, is appalling. I have worked hard as a single mom to get my credit back and to do this, will cause severe damage. US Bank has taken away any chance of another bank taking on my loan, a future refinance, chances of getting credit cards, it will increase my car and homeowner insurance rates, potentially jeopardize my current credit card rate, my daughter just turned XXXX, I ca n't co-sign for a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation