Consumer complaint received 2015-11-07
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Listed, was the last person I have spoken to regarding this issue : I purchased my home XX/XX/XXXX. XX/XX/XXXX I was advised ( by my company ) that there would be a massive layoff. I contacted US Bank to advise and asked if I could get a 2-3 month forbearance, given the circumstance. I was denied. I was told that I could do a modification. 
I lost my job, but found another one within a couple of months. I started the modification process. I was already behind in my mortgage by a few months. 

I was laid off from that second job after a few months, but I think I was already in the modification process. I found a new job ( which is where I 'm at to this day ). I always remained in contact with my Customer Relationship Manager to advise where I was with my situation. He advised that he was noting my account. 

When I wanted to start making payments ( as it had been several months ), I was advised that they would not accept my money unless it was the entire amount ( or nothing ) and transferred to a different department. I was short less than {$200.00}, but I was advised that if I sent it, even wired it, that it would be sent back and I would be charged the wiring fees. Nobody would help me get back on track ... not ONE person. I believed at that time that the bank was just trying to foreclose on their house. I had even gone down to the bank in person to see how I could fix this without my losing the house. I got no assistance as soon as they logged in and saw my account, I was given a phone number to call. The phone numbers always took me back to the same department. 

Not long after that, I started receiving notices in the mail from the bank 's attorney to start foreclosure proceedings. I called them, never getting to speak with him, but left many messages. I called the bank, who referred me back to the attorney. I was advised that I might want to seek counsel. I got an attorney, and ultimately had to file Ch XXXX bankruptcy just a day or XXXX before my house was to be sold at auction. 

I was finally granted a modification, but the bank added $ XXXX to my mortgage. I called to get answers, but no one would help me. I was advised that the only way they would be able to assist is if I signed the mod agreement. Otherwise, they could n't assist. Since then, they have NOT assisted, but completely ignored this. I 've called on this since the modification was signed. I was always transferred to someone or a voicemail, where no one would answer my questions or return my call. 
What they did was sent $ XXXX to the BK Trustee for me to pay ( which I have ), then tacked on interest and other fees ( $ XXXX XXXX onto my mortgage. Nobody will correct this. I keep telling them that this is not ok nor is it right. 
I spoke with a Customer Relationship Manager yesterday whom would not only allow me speak with his or a manager, but firmly told me that there was nothing that could be done with this account. 
I am livid beyond words. This has been 4+ years dealing with this and I am getting no response or assistance. Please tell me you can help me. I contacted XXXX and they provided me with your information. I plan to contact every agency possible. At minimum, I 'm asking that US Bank to not ONLY remove that $ XXXX from my account, but also apply all of the money that they have received from the Trustee to be applied to the principal of my account to make it right. Please tell me you can help me with this. I 'm a single mother whose grown extremely exhausted from all of the doors being slammed in her face. 
I still have the letter that I sent to US Bank Execs when I was tired of the run-around when trying to get the modification in the first place. Soon after, I got the mod. They did not get a right of rescission. They did not take ANY of my calls until well after a week that I 'd signed and they received. First, they said they never received it. I need help!

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