Consumer complaint received 2016-07-25
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got a mortgage XXXX 2015. In XXXX I had a medical issue that was going to cause me to not be able to make my house payment. I called the mortgage company and was told they could not help me until I was 3 months behind. 
So at 3 months I called back and they suggested a modification. I agreed and filled out all paperwork. Sent it back in immediately. Months and months passed when they said oh we need this extra document. I emailed it to them within 15 minutes of requesting it. several more months pass and even thou gh I called in concerned with the timing, I was told we are backed up and we will get you an answer as soon as possible. Then I get, we need more pay stubs because the ones you previously submitted are over 30 days. I comply and they get the requested stubs within 15 minutes of their request. Finally end of XXXX I was informed that I had been denied for modification because I had not been in the home for 12 months.. 
To me they should have known that when the process started. Informed me of that and then let me know instead of letting my mortgage get behind 10 months. They expressed that I could reapply. But when I read the actual wording of the denial, it was because I had not made 12 consecutive payments. So I said reapplying is only going to get me farther behind. But I was still urged to reapply. I agreed and she said we cant reapplyl until this modification is closed out. I asked when will that be? She said oh it takes several days. I will give you a call. 
I decided that the risk was too great and I was going to pull the money out of my XXXX I asked them to send me the letter that was accepted for XXXX. It took several several days to get the letter. But I did receive it and put in the request. The request was processed and I called the bank to let them know that the check was on the way. 
This was XXXX XXXX. I was told well your account has been referred to foreclosure. 
I asked when my modification was closed out and was told XXXX XXXX. And it was referred on XXXX XXXX. the XXXX was a Friday the XXXX was the following Monday. 
No phone call. No nothing. So now I have to pay attorneys fees. I asked how much do you want to reinstate my loan. Well we cant tell you that. The foreclosure attorneys will have to give you that amount. I called the number they provided and the attorney 's office said that has to come from the bank. But the foreclosure attorneys number when you call it says for reinstatement amounts press XXXX. Then is says to send an email or fax requesting the amount with all your information to the email they provided. I did so and got a response that says your request has been sent to US BANK. Please follow up with them. When I call US Bank they say they cant give me the amount. I have asked for my the supervisor of the agent assigned to help me. I have not received a call back. As far as I know there are XXXX attempts to get this amount and they have all gone unanswered. I called the HOP hotline for help and she suggested that I file a complaint. She the mortgage company with me and got the same run around. I still have no amount to pay to reinstate. US Bank says the process works this way, Ill admit that yours is not working but there is nothing I can do. 
I just want them to give me an amount telling me how much to reinstate. I have the money in hand. It seems like a stall tactic.

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