Consumer complaint received 2016-08-04
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender us bank sold my home at auction while i.was in the loan modification process. I was not given qny indication there was anything missing from my packet i sibmitted in the letter they sent me confirming receipt ofy packet. I contacted the lender and was told to send the tax form again which i did three times. This was the missing document they are xlaoming not received and reason for denying my packet. I did not receive a letter stating it was denied for four or five days after the home sold!!! The letter was written on XX/XX/XXXX but not mailed umtil two days before the.sale. they knew it could not reach me in time before the sale. 
My home also was damaged and a claim filed by us bank and myself. Was not paid and us bank has with held funds. They sent a letter in response to my complaint to respond to my complaint and lied to the investigator stsing they never received any estimates. I sent several emails repeatedly to them which i still have and.saved. us bank ignored all my communications to them as well as lied to the investigators i called the lender mulitiple tes sent emails and i am placed on hold and disconnected. I hired an attorney to fight the foreclosure sale and was not given my chance to speak and feel the judge which admitted her self she was unclear on parts of the case did not rule correctly or fairly. I had a right to respond to a denial letter for 30 days. I was not given this opportunity. I was not even given one day. The bamk simply sold the home. Irs value is XXXX currently and was given away at XXXX with my last payoff showing i owed XXXX and was more than half way through my 15.year loan with them. I told them i wpuld pay off the loan if the application was denied with the belp oc a camily memeber additionally i had other ways to keep my home with bankruptcy and other legal measures that cpuld have been used. I owned my home for 15 years and lwtting my home be sold was never an option for me. I was then evicted from my home by police.i was not served a notice of this and was told to leave by police. My belongings have sin e been thrown put in the garage damaging most everything and breaking them. I am currently homeless and staying in a motel i can not get a rental as i show and eviction and foreclosure now. I simply asked the bank to let me pay my payments and catch up my loan and this ia what i received in return. They are liars.the group has lied and i have proof of thiz and would like to have an investigation face to face with someone with your grpup to review my paper work. There is far to many things to submit via email and to much to explain or an email address ro forward fhe many many many emails us bank claims not to have received would be best i attached one estimate of my heat system. With this complaint but are several more that they told your investigators they did not receive and lied to you. Forwarding email wpuld would be best to review my. Complaint and you will see clearly the truth in my complaint and the lies being told by the bank. Please confirm receipt of this complaint anx reply with an email address to send them to.please and thank you The attorneys are even confused by all of it. I need someone with a.open mind to review this case. It is not right what thwy have gotten away with

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