Consumer complaint received 2016-05-05
Company: U.S. BANCORP
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been married to my wife for almost XXXX years. We have XXXX grown children. 
My complaint and appeal here is done in only about XXXX pages. 
Please just allow me the time to ask some important and provocative questions... 
How does an older couple like us remain in a home for 6 years without making even one house payment to the bank that is foreclosing on us? Is it because WE have some sort of power to prevent a foreclosure? Really? 
How is a couple like us able to stay living in that home even though the bank has had 6 years to help us do what we have been begging them to do... grant us an affordable monthly payment so we can stay living here? 
How is it possible that after 6 years of trying to stay in our home, and after not making one payment during this whole process that we were told they were helping us find an affordable payment... our bank discovers at the last minute... I mean 5 years into this whole disappointing process... that there is an IRS lien on our home? Am I absolutely crazy to think that that is something they could have known and should have known this whole time they were supposedly trying to get us an affordable mortgage? 
How come we have had to endure faxes and emails and phone communications from XXXX, XXXX and XXXX XXXX, XXXX, etc. as our only way to resolve our issue... when I have begged the bank for a face to face meeting with someone, anyone, so we could fully understand what they wanted from us, and what our full options were, so we might be able to save our home of 22 years? 
How come during this whole process, we have had over XXXX so called " relationship '' managers? " Relationship '' managers that could never see all the details of our application when we would try to talk to them about our history or educate them on our dilemma, but repeatedly told us that they could only see back to 3 months activity? 
How come, right in the very middle of seeking a new mortgage to save our home, we were told, that ALL our documents were lost? YES ALL OUR DOCUMENTS WERE LOST!!! 
When we confronted US Bank about this being their fault and not ours, they not only made excuses about this being commonplace because they handle XXXX 's of these cases, and then they flat out denied that all our documents were ever lost, even though I have the proof and the recorded calls that will prove it? 
There 's so much more to ask BUT I want to end this and beg you for your support and reliable investigation of my questions here. 
We have been living here and hoping that by working with the bank, we could find a way to pay for and keep our home. I have offered to pay what I owe if they reduce and or forgive the penalties that they have caused, that they are responsible for, not me, and we will continue to pay for our home to them, in good faith, as we were assigned to and agreed to do. 
I am asking that we be able to return to our original debt and set up a 30 or 40 year payment plan and we will comply and we will be able to keep our home. 
We need to see US Bank step up and admit that this has taken wayyyyyy to long and that it 's not our fault!!! We have NO power! We have not been the ones to drag this out as long as it has been! We have NO power! US Bank has the power! US Bank can stop this foreclosure and allow us to keep our home! 
Please help us stop US Bank from proceeding to foreclose on our home. 
Please look at this case and see if I am telling the truth! 
See how long it has been since we started all this. 
This nightmare for us can become an opportunity to keep our home if you help us. 
Please. 
Please. 
Help us. 

Sincerely, XXXX XXXX

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