Consumer complaint received 2019-02-21
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed several complaints on US Bank over the past few years. I have several problems. But the foremost problem is onXX/XX/XXXX, our home was damaged by trees falling on our house. We have insurance through XXXX insurance and they have sent us most of the claim money in checks to have repairs done. Our roof damaged {$21000.00}. Besides ceiling, and flooring and walls. When the company came to dry out, clean up and remove debris, ( they even started on the wry day of the accident ). That is only one small chunk of damage. USBank sent forms for us to have contracter give their information and signatures plus sign a waiver that they will not sue or place lean on the house due to lack of payment. USBank also wants us to send the checks to them and after inspection they will release the money. We contacted USBank many, many times over the last 6 months, to tell them that there is not one single contractor that will take this on without 50 % down for supplies. Also, on XX/XX/XXXX I found the exact complaint from a family who has gone through the exact same ordeal and complained to XXXX over USBank not realeasing the money. The damage is horrific, an entire ceiling is missing and holes cut out in several other rooms. You can only imagine the hardship and stress it has caused on our family plus we have already had to repair heat/air unit for the upstairs due to debris in the intake valve from the damage. Not to mention it is our XXXX XXXX daughters room that is destroyed, besides the absorbent heat and air bills over the last 6 months! There is no way I am sending USBank the insurance checks and not having anyone commuting to do the repairs. The complaints just on XXXX is horrific. We have been trying to get a modification w/USBank for quite sometime now. The stress and damage this has caused our family is at the point of gross neglect on you not holding this BANK accountable for the abuse they keep inflicting on us unbearable. If USBank from the very beginning when we were just XXXX XXXX behind would have allowed us to talk with them and make arrangements this would NEVER had gone this far. The Bank would not speak to us over a plethora of attempts and one office not knowing what the other office is sending is actually past the point of conceivable. So, we were granted one modification and then the bank stopped it with no reason at all, over miscommunication from one office to the other. This scam is so obvious that even XXXX XXXX could see it. This scam of people wanting to keep their homes doing the endless demand requests are all for the bank to try to take homes away from hard working people. This bank has checked every single box for bank fraud imaginable, lost papers, no one returning phone calls, no one receiving faxes. Our original loan was sold to USBank without our consent or knowledge. Im pretty sure there is fraud involved with the passing from one establishment to the next all during the time of XX/XX/XXXX recession and no one was making these institutions be held accountable and just want to foreclose on homes, done fraudently. The stress, damage is intolerable.

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