Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (FL)

A foreclosure was filed against me on XX/XX/XXXX - four years after my husband and I divorced on XX/XX/XXXX. See Foreclosure Complaint Exhibit " A '' and Final Judgment of Dissolution of Marriage Exhibit " B ''. 

The home identified in the Dissolution of Marriage and in the Foreclosure Complaint, is the home where I reside with my children. Pursuant to Section G. of the Dissolution of Marriage, the Court ORDERED that I was to " maintain sole and exclusive possession and ownership of the house and property '' and that my ex-husband was to execute a Quit-Claim Deed which occurred. See Quit-Claim Deed Exhibit " C ''. 

At no time in the divorce was I ordered, told or obligated to refinance the home because I was a borrower on the Note and Mortgage which became the focus of the XXXX foreclosure based on a default alleged for non-payment on XX/XX/XXXX forward. 

While the foreclosure pending, I applied for a loan modification. On XX/XX/XXXX, I finally received a letter from U.S. Bank saying they had received my modification request. I also received a second letter on XX/XX/XXXX saying the application was incomplete and listed a series of documents that I needed to provide to them to qualify for the loan modification. At no time did U.S. Bank ever ask me for, or request documents from my ex-husband XXXX XXXX. This is because the bank already knew I was divorced and was the sole owner of the property by Court Order and Deed. I provided the documents U.S. Bank requested and on XX/XX/XXXX, I received another letter from U.S. Bank requesting more documentation. On XX/XX/XXXX, I received a letter from U.S. Bank saying they had determined my application was complete as of XX/XX/XXXX and was under review for loss mitigation options. See Loss Mitigation Letter Exhibits " D '' through " G ''. 

In XXXX of XXXX, I received a letter from my attorney that was provided to him from Bank counsel in the foreclosure case, that contained a Loan Modification Trial Plan dated XX/XX/XXXX. The modification required three payments be made in the amount of {$2000.00}. All three payments were made by XX/XX/XXXX. See Loan Modification Trial Plan Exhibit " H ''. 

As a result of all three Trial Plan payments being made, a Permanent Loan Modification was provided and i made the first payment of {$2100.00} however, on XX/XX/XXXX, U.S. Bank sent me a letter with another blank modification attached. According to the letter, the notary portion was not acceptable and U.S. Bank required that I re-execute the documents and re-notarize the documents. See Permanent Loan Modification Exhibit " I ''. 

Despite me doing everything I have been asked to do, U.S. Bank will not send me back a complete executed copy of the loan modification agreement by them. I was told by them that once the permanent modification was signed by me and the initial payment was made, the foreclosure action would be dismissed however, they have not stopped the foreclosure process and are proceeding with the foreclosure trial despite receiving and keep all of the payments I've made in good faith. I have been completely lied to and taken advantaged of.