Consumer complaint received 2016-05-23
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. XXXX XXXX, XXXX. Medical emergency in family. XXXX would be needed. After 33 days of experiencing the medical care available plus the rehabilitation center in our " small '' town I realize that the medical care needed was not available in our small town. I contact my family in a " big '' city with good medical care to see if they would be willing to help. My family was willing. 
2. XXXX XXXX I obtain housing the new big city. 
3. XXXX XXXX put home on market in our small town, " For Sale by Owner ''. I stopped working to care for my family member and get ready to move. 
4. XXXX XXXX. No offers were received since XXXX XXXX so listed the home for sale or rent with a Realtor. XXXX XXXX move to big city for better medical care and XXXX. 
5. XXXX thru XXXX, XXXX. Our home in small town is shown for sale or rent but receives no offers. 
6. XXXX XXXX. 7 Months later, I realize we could not afford to continue to pay and keep up the expenses of the home in the city and the small town. Contact Mortgage Company to make them aware of the problem. Deed the property to the Mortgage Company ( Attached Doc # XXXX. Doc shows our transfer of property to Mortgage Company XXXX/XXXX/XXXX ). 
7. XXXX XXXX Mortgage Company accepts transfer by transferring Deed from one mortgage company to another mortgage company. ( Attached Doc # XXXX. Deed ). 
8. XXXX XXXX Mortgage company secures the vacant home and changes the locks. 
9. XXXX XXXX receive letter from VA. ( Attached XXXX # XXXX VA letter ). 
10. XXXX XXXX thru XXXX XXXX ( 17 months ) work with Mortgage Company to supply documentation for a Deed in Lieu of Foreclosure in the loan modification process. 
11. XXXX XXXX email sent from Mortgage Company with SECOND denial of Deed in Lieu of Foreclosure for lack of documentation. ( Attached Doc # XXXX and # XXXX. # XXXX Partial list of documentation requested and sent to Mortgage Company. More docs can be furnished if needed. # XXXX Email from Mortgage Company stating denial and THIRD request to start loan modification process. ) XXXX. XXXX XXXX. Mortgage Company Appraisal of small town home. ( Attached Doc # XXXX Appraisal ). 
13. XXXX XXXX. I have had over two years of hardship with a family member. I have struggled with the Mortgage Companies loan modification process sending some of the same requested docs over and over. I am XXXX years old and have been XXXX for 18 years. My new home in the small town has depreciated from {$270000.00} that I paid XX/XX/XXXX to {$210000.00} XX/XX/XXXX and now {$23000.00} in charges have been added to the mortgage making the property owe over {$250000.00}. I listed the home for {$230000.00} to pay the mortgage and the Realtor fees, giving up my equity in the property. I have complied with the Mortgage Company loan modification process 2 times. I have deeded the house to the Mortgage Company. Please advise how I should continue with my request for Deed in Lieu of Foreclosure with US BANK. ( Attached Doc # XXXX Mortgage Company statement ). Thank You for your help and advise.

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