Consumer complaint received 2024-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (OH)

I had an water damage insurance claim with a date if loss at XX/XX/year> and XXXX XXXX XXXX XXXX approved the insurance claim with claim # XXXX for water mitigation and mold remediation and replacement of a broken non-repairable furnance, hot water tank, flooring and carpeting in basement hallway and basement family room, drywall and finishing in the utility room and garage, install of new doors to utility room, family room and exterior garage door all water damage repair was about {$20000.00} in damages. US Bank XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Reference number : XXXX and Loan Mortgage Account number : XXXX, was given the approved insurance funds due yo my account being in forbearance since XXXX of 2024 due to my persistent post Covid unemployment. XXXX  XXXX XXXX XXXX  has withheld funds for me to have enough funds for replacement of the furnance, hot water drywall in the utility room including area behind furnance and hot water tank and drywall in the garage. The first draw was only {$5200.00} which was enough for the purchase of the furnance {$1900.00}, removal labor of the furnance {$1000.00} but NOT THE LABOR COST OF {$1500.00} TO INSTALL THE FURNACE WHICH IS STILL OWED BY XXXX XXXX  TO PAY ASAP!!! The Drywall materials were approximately {$370.00} and labor for hang, mud/finish and paint drywall in hallway, utility room and garage was {$1500.00} totaled for ALL Drywall work {$1800.00} that left a Total Balance on ONLY {$330.00} dollars to pay for the {$1000.00} Hot Water Tank , {$500.00} Install Labor HOT WATER TANK CHARGE and the Owed {$1500.00} for an install of the furnace! 

I appropriately requested not XXXX  but XXXX times on XX/XX/year>, XX/XX/year> and XX/XX/year> to have additional funds above the regular 25 % loss draft account funds of approximately {$3300.00} to complete All of Phase XXXX - Total Cost Labor/ Materials - $ XXXX XXXX XXXX ( including the denied {$2600.00} in additional funds for completion of Phase XXXX ) **^ XXXX. Install and removal of XXXX XXXX XXXX gallon Defender brand XXXX XXXX XXXX. 

XXXX. Install and removal of XXXX XXXX XXXX XXXX brand XXXX XXXX. XXXX of XXXX, XXXX and XXXX in XXXX room, Hallway basement and entire bottom XXXX area of attached double garage. 

Due to XXXX and other supervisors refusal to even read the letters of request for additional funds, appropriate submitted professional invoices for cost of labor and materials submitted and uploaded correctly to the XXXX XXXX XXXX claim website of and the XXXX XXXX  specified email address this claim is at a significant delay and finishing the necessary repairs to prevent more water damage. 

Enclosed is a copy of a new invoice from the original water mitigation/mold mediation invoice XXXX XXXX of {$500.00} for new additional water damage done to my home due to the unfair unjustified biased delay in the XXXX XXXX reviewing supervisors reviewing this claim and not approving the additional funds of approximately {$3300.00} to complete Phase XXXX so an inspection can be ordered and completed!! 
-/ Phase XXXX Approximate cost XXXX & XXXX $ {$3600.00} XXXX. Install of carpeting in family room XXXX. Installing of subfloor and laminate plank flooring in hallway with wood trim XXXX XXXX XXXX Phase Approximate cost XXXX & XXXX {$1800.00} XXXX. Install of Baseboards in hallway basement XXXX. Install of new prehung XXXX XXXX XXXX XXXX wood doors to family room and utility room XXXX. Install of new XXXX exterior steel hollow door to attached garage basement door. 

XXXX XXXX of : $ XXXX Total Completion if Already Approved and Verified Funds from Homeowners, XXXX XXXX XXXX XXXX Address if Repairs for water damage, XXXX XXXX XXXX XXXX XXXX  XXXX! 

Request that XXXX XXXX XXXX  at US Bank Home Mortgage be investigated for illegal and improper delay of appropriate funds to pay for my water damage!