Consumer complaint received 2019-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time, I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hire XXXX XXXX XXXX in California. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for a different reason that time, too many assets. 
So I decided to start making payments In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks. Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? 
When I finally got the printout ( Enclosed ) it does not have a running total of interest or total due other than principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so screwed up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. I am 5 months from 65 and not in the best of health and will not lose my home. I feel they want to foreclose because I have over a million in equity. I had hoped they would show my last 12 months of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying I hired XXXX XXXX XXXX in California in XXXX to negotiate a loan modification with US Bank. We filled a lawsuit against US Bank, and it was denied because I was current. So I went delinquent and reapplied. I was denied because I had too many assets. 
I then filled a complaint with you the CFPB in XXXX of XXXX since they continued to return my payments. Your response was to apply once again for a loan modification, I have supplied everything they have requested including a P & L prepared by a CPA and more then enough bank statements to verify my claim of {$30000.00} + monthly in income. More then enough to support the payments I have been sending and and they have been returning I have included their denial letter and if you want, I can provide all emails with all items requested. Here is my last email to US Bank confirming I am sending the last 2 remaining items per a recorded phone call with my relationship manger XXXX XXXX who claimed the whole conversation was being recorded you should be able to hear when she stated these two items were all that was missing and I supplied said items the very next day