Consumer complaint received 2019-12-24
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX THRU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX forged my name to documents. Falsified documents to obtain a modification approval. U.S. bank approved the modification in 3 days. XXXX XXXX. XXXX XXXX XXXX gave me the run arounds for 2 months refusing to talk to me. After 2 months they agreed to pay me my money back stating it was about the reputation. U.S. bank negotiated a deal with them that would have forced me to fall behind further after U.S. bank originally told me that I had to be at least 2 months behind in my mortgage XX/XX/XXXX, and that is the only way I would qualify for loss mitigation or be considered to get my payments lowered. U.S. bank has committed fraudulent modification Behavior and assisted XXXX XXXX. XXXX in a fraudulent Mortgage Modification scam. I have reported this to the Attorney Generals office in Illinois. Currently, I am preparing a rebuttal to U.S. Bank response to the Attorney General 's office as XX/XX/XXXX. There has been on going violations with U.S bank since they took over my payments XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX are the dates U.S. Bank called me because I might have been late paying my mortgage, but I paid it. I was not behind until they told me not to pay so that I could get my payments lowered and to qualify or be considered for loss mitigation. I was told that in order to apply you had to qualify for one of the hardships that they had listed. They would even tell you how to write it to make it seem as though you fell behind because of the hardship and not because they told you not to make payments. XXXX XXXX. XXXX XXXX XXXX did make me aware after I told them during my one and only free consultation that I had because I did not pay them the whole fee up front. I was told that I would have to come in after I made a full payment of XXXX to start the process of the team of lawyers and experts come up with a plan and then they would sit down with me. That never happened. This occurred XX/XX/XXXX.I missed my first payment XX/XX/XXXX, I waited the 2 months like I was told by U.S. Bank to be considered to get my payments lowered. I never signed any Mortgage documents, the bank, and XXXX XXXX XXXX refused to send me anything. I obtained the paperwork after I filed a complaint with the Attorney General 's office. I noticed documents with forged signatures and falsified paperwork that I never signed. I noticed the dates were stamped with my forged signature and I had not been in the office. I noticed inconsistency with the paperwork because XXXX XXXX. XXXX XXXX XXXX tried to cover up their wrong doing. I was told by the XXXX XXXX XXXX XXXX XXXX. XXXX himself that I should have been glad that they made up paperwork because it got me lowered payments. The bank agreed to a 3 month trial so that it could look like XXXX XXXX. XXXX XXXX XXXX had done their job, but later sent another letter stating that after the trial period my payments would go from XXXX anoth to XXXX. My original mortgage loan was XXXX a month. During the modification that started XX/XX/XXXX for the same way the bank does, fall back 2 months to be considered to get my payments lowered, and they continued asking for paperwork over and over. 10 months later in XX/XX/XXXX,  they approved the modification, but never went down on the payments. They pushed them to the back of the loan. Later increased my payments. They approved the loan for XXXX XXXX. XXXX in 3 days. I received documents XX/XX/XXXX from the XX/XX/XXXX related to my complaint from The XXXX XXXX XXXX XXXX XXXX XXXX showing faxes until XX/XX/XXXX abour my account that I knew nothing about. I was only told by the law offices after they would ask me to fax them information is that they were gathering up my paperwork creating a file and then I would come in to the office to discuss the best work out plan to fit my situation at that time. I received a trial period dated XX/XX/XXXX suggesting that in 3 days of review they approved the modification based on fraudulent and forged documents. I made the bank aware, and I told them I had not signed any documents. I had only received a free consultation. U.S. bank refused to allow me to resend documents telling me to appeal it knowing that u can only appeal one time during the life of your loan. Also, U.S. bank made me wait until After the appeal period was over telling me then I had to do a whole nother application making me fall further behind. They refused to communicate with my HUD counselor, I was told by a XXXX at U.S. bank stating to me he was from the underwriting department with s default counselor on the phone with him that they do not like talking with third parties. I am asking that there be an investigation done. I do know of other single women who are at risk loosing there home because of XXXX XXXX. XXXX and the banks helping them with Fraudulent Mortgage Modification Scams. I do have documents to support my claim. I do have a complaint with the Attorney General 's office as well for U.S bank. I had 10 days to respond with XX/XX/XXXX but I could not meet that deadline due to things out of my control, and the case was closed. XXXX XXXX. XXXX XXXX XXXX did refund me all of my money back for what they had done after going through being cursed at, to hanging up on me, and stating they would call me when they could that I just had to wait after I paid them from XX/XX/XXXX to XX/XX/XXXX over {$2000.00}. U.S. Bank still refused to allow me to resend documents. They changed Relationship managers, or they would give me the wrong information, or answer my calls. They would call me at XXXX after I said many times that I would be at work and couldn't answer my phone because I am XXXX  and I worked at a XXXX  1:1 with a student that was total dependent on me. I would call leaving messages, and I would not receive a return call. I reported it, and I now have a new relationship manager and it is the same thing. I report things, and the turn it around. The bank deny my applications stating it is incomplete after I faxed as always that they didn't receive it even though I had a confirmation page. They tried to force me to send a profit and loss in when I repeatedly told them that I did not have a XXXX   business. The employer that I worked for had misclassified me as an Independent contractor instead of an employee. I reported to the bank that I was waiting on an appeal to receive the documents to verify my claim. I sent in checkstubs, but they denied my application for loss mitigation stating incomplete. I later received the documents, but I had to complete another loss mitigation packet. The bank received Hardest Hit funds of XXXX, XXXX. My property taxes at signing was changed in my name, I had to sign paper at closing. U.S. bank took over and they were paying them in a XXXX XXXX name. I Found that this person ( name ) was on the person that ordered that plat of survey ... Field work completion XX/XX/XXXX. I did not find out until a a realtor had called me concerned about it. There is so much that U.S. bank have put me through, my family, and I have grandchildren that depend on me as well.

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