Consumer complaint received 2017-08-24
Company: U.S. BANCORP
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
usbank - i have been in foreclosure for three years without a sale datw - i have been in loan modification process for those three years with no agreements made i have practically begged to just let me start making my payments again and was told no i couldnt until i qualified or was denied loan modif. 
- after denial they were suppose to offer a forebearance plan. was not given that either and i have been denied many times thru the loan modif. program at usbank - i am on XXXX - my loan is for XXXX remaining the original loan was XXXXthey told me i need to pay XXXX of late payments to start making my regular payments again or they will foreclose - when i foreseen a problem making my payments before i was ever late i asked for help from the bank and within six months they were trying to get XXXX XXXXout of me for fees and this shortgage in the escrow account when the payments behind were only XXXX they made my payments about 900.00 rather than letting me make interest payments or put what i was behind on the back of my 10year loan like i had asked - an escrow was added to my account and showed shortagages of close to 400.00 a month being put into the esceow when the original loan was a home equity line of credit the bank switched over to a mortgage and wasnt an escrow loan - the attorneys for the foreclosure are asking for more than the original loan and have put my co owner on the loan too when she signed off the loan when it originated - i am unable to get refinancing or my own home owners insurance thru another bank or ins co. because of the mess with this bank..usbank - i am unable to access the equity in my home for repairs or other business ventures or for my own health needs. i need a new roof and other repairs of imminent concern - ive applied for HARP over ten times and was disqualified each time for various reason that werent right - ive contacted HUD, my attorney general, the banks customer service investigative team that did a whole 500 page review on the entire case, ive contacted the treasury dept in the state that deals with banks and was told to call a united states treasury dept that deals with banks - as far as getting an attorney in my state i was told by a XXXX save my home line that there were no attorneys in the state of north dakota that handle real estate litigation, but i called about eight attorneys anyways with no avail. i was told by one that he would look over my prepared documents if i was planning on acting in my own self representation. 
- the bank has some other collections against me for them closing my bank account which they also sold to a collection agency. so both are trying to collect for the same debts. 
-the original loan was taken out to payoff my car and credit cards thru usbank. 

XXXX loan modification discrimination with income verification -the personal representative asked for bank statemenrs to do an expense workup which was income verification too. 
- i provided the letter of income verification from the social security department and was told that wasnt good enough -i do not have a bank account -part of the application papers asked for an expense worksheet which i provided as well -I included an extra page of explaination with my app this last time and was told that it was useless trying to fight the bank because they are one of the worlds largest banks by my personal relationship manager - i have had numerous Relationship Councelors over the last three yeaes. they are hard to get ahold of and they tell me theyve sent certain notices by email or regular mail which were never received -my last RC at mortgage assist point with usbank told me that if i were ever married in my lifetime that my x spouse was to sign some papers for my loan even though i wasnt married to him at any time during the course of the loan or purchasse of the home that was willed to me by my uncle for a dollar. 
- RC called and said she a quit claim deed from my x husband. i told her that he has nothing to do with me or my loan or my home and the married was anulled 14years ago.

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