Consumer complaint received 2015-11-09
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been off and on medical leave from my job since my diagnosis XXXX ( XXXX ) in XXXX XXXX. My physicians and I have been trying to get it under control with medication. I was out on medical leave last year and then again this year & got seriously behind on my mortgage. I have been consistently in discussion with a " Relationship Manager '' at my mortgage holder ( US Bank ) about bringing my account current or applying for relief in the form of 1 ) having late fees and some unpaid mortgage payments modified to the end of the loan 2 ) term extension of loan and keep it in Hamp program with low interest. 
I have been told over and over by this Relationship Mgr that US Bank would work with me and to fill out request for mortgage assistance form and send in required paperwork. I have filled out the forms, included a letter of explanation of my circumstances and attached the required information ( forms of income, copies of bills, statements of assets, statements of income/expenses, banking statements, etc ). I have done this formally at the very least XXXX times this year. Each time I am told something is " missing '' or " invalid '' or that they want something additional. I keep re-sending information to US Bank and receiving confirmation and detailed listings of what I submitted then US Bank will state they never received it. This has happened on my formal applications dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and last one in XXXX XXXX. The last one, the Relationship Mgr kept telling me not to worry, that US Bank wants to help me keep my house, et. etc. The whole year, they would not accept 'partial payments ' which is what they were calling my not being able to pay total delinquency up front. They would not take one or two months ' payments. In XXXX, I told them I had almost {$4000.00} saved up I could give this to them to cover 6 months payments and the balance I would pay off by making regular {$710.00} mo. mortgage payment + additional {$500.00} per month until paid in full to current status within 6 months. The Relationship Mgr said that could work. I was still awaiting word back from my XXXX appeal application process for mortgage assistance. Then in XXXX, I get letter dated XXXX/XXXX/XXXX ( I received this after I had already re-sent in all paperwork because they said again they had not received certain items. I called and told them this XXXX/XXXX/XXXX letter was a duplicate that I had already received it and re-sent all items. I was told again they did n't receive it. ( I always send all attachments to XXXX email addresses at US Bank and received confirmation each time of receipt. ). Around XXXX XXXX, I received XXXX letters the same day, all the same : Notice of Foreclosure Sale ( sale date XXXX/XXXX/XXXX ). I have been in discussion with US Bank all through XXXX and XXXX thus far, and keep being told again and again they do not receive my paperwork and to re-send. I feel I am being stalled on purpose, that US Bank is not trying to work with me at all. My mortgage is hopelessly underwater ( owe over {$200000.00} ), but it is my home and I want to stay! Can you help me at all? As an aside, back in XXXX, when I was laid off, I had to go through my Rep Congressman XXXX ( XXXX ) to get US Bank to listen to me when asking for help. They are either wholly understaffed and overwhelmed or incompetent to assist the homeowners they are her to service. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation