Consumer complaint received 2017-02-23
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I really need help. US Bank Home Mortgage will not work with me so I can get this matter resolved. I came out of bankruptcy in XXXX of XXXX and brought my Mortgage loan current as per the request of US Bank in XXXX of XXXX and the loan was to be reinstated, I have this in writing ... I was told after they received my payment of XXXX, I would have a statement for my XXXX payment, and would be able to start making monthly payments again. Instead, my attorney XXXX XXXX, received an letter via email from US Bank stating ( which was wrong ) I was still in bankruptcy and I am eligible for Loss Mitigation options or short sale. He received this email around the time I SHOULD have received my statement for XXXX with my payment coupon. I NEVER received a statement in XXXX XXXX for my XXXX payment so I had no idea if my loan was reinstated or not. I called, several times, and no one could tell if it was actually reinstated so I was in LIMBO and my attorney could not get anyone to return his phone calls NOR could XXXX XXXX at XXXX who sent me this link so I could file this complain today .... On Feburary XXXX XXXX, I received a statement and payment coupon already putting me XXXX mortgage payments behind ( XXXX and XXXX ) and a letter stating I was in default or breach of contract. They demanded both payments which I did in fact overnighted to them yesterday. 
In between XXXX XXXX XXXX, and yesterday, I Have spoken to XXXX different people at US Bank and all XXXX have givenme a different amount that my monthly payment was to be and I was also told there was an escrow shortage on my account. ( The payment went up XXXX a month ) I am TRYING to pay this escrowshortage to reduce my monthlypayment back to what it WAS, no one will work with me on this or give me the CORRECT or a statement so I know how much is actually owed on this escrow shortage. I have requested this several times.. No one will send me theinformation requested NOR will they send itto my attorney, XXXX XXXX XXXX as per my request even though I was told they would email the information to him, over a week later and still he has not received anything from US Bank XXXX nor have I.. I also asked for a breakdown of my payments going forward to see what exactly is owed on my Mortgage as my ultimate goal is to PAY off my home by the end of Summer ... no one will provide me that information either..I want IN WRITING something stating that IF I pay this escrow shortage ( I have been told it is {$3500.00} by XXXX people and {$5300.00} by XXXX others ) I want a guarantee IN WRITING from US Bank that my payment will go back to XXXX a month from the XXXX they increased it to in order to pay the shortage.. All of my requests for paperwork have fallen on deaf ears, which has been par for the course with this company since they took over my loan from the previous mortgage holder.. 
Since XXXX XXXX, XX/XX/XXXXI have been trying to work this out and NO ONE will work with me at this company. I was told my monthly payment was to be {$550.00} by XXXX different people at US Bank and then {$860.00} as it was by XXXX others THEN I was told it was {$1300.00} by XXXX others at US Bank .... ( all within the SAME phone conversation on the SAME day ) .This is by far THE WORST company I have ever dealt with. I have all the names and dates of those I have spoken to at US Bank and who I spoke to at US Bank 's attorney 's office documented.. This is a nightmare ... all I am TRYING to do is pay this so I can keep my payments affordable and no one seems to want to work with me on this. I am the homeowner and I can not get anyone to work with me on this. This is n't the only problems I have had with US Bank ... they are NOT a good reputable company. In my opinion they are the most dishonest group of folks I have had the displeasure to work with.

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