Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA 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
State: NV

Complaint narrative:
My name is XXXX XXXX I've had my house since XXXX of XXXX and it's been under US Banks watch and lack of care really for lack of better terms since they picked up my mortgage. When covid hit I was still working as a XXXX XXXX for the XXXX in XXXX, and that promptly closed the business due to risks and health hazards. At that point in time I was still paying roughly {$1100.00} or less on my mortgage but back then my XXXX payment was far less than what it is currently and was not enough to suffice covering the house as well as all of the rest of the bills attached. That forced me to file for forbearance to keep my house safe as my son and my mother live with me as well and I'm not going to let them be put in substandard living conditions. Starting then and moving forward till now every time I filed hardship circumstances the bank has only ever been decided to be predatory and increased my payment rather than decreasing it causing more and more of a hardship over the years because all they did was make it harder for me to pay and today I have a loan modification that insists that I have to pay over {$1800.00} for my mortgage and the one previous to it says approximately the same cost and I only make {$2100.00} a month. How does that make any sense when if I only make that {$2100.00} a month to insist such a payment after two loan modifications when that doesn't include covering the water, the heat, the gas, the car insurance, or leave any money for food and I have to use two food banks every month to provide food for my family as I am on XXXX making nearly sub poverty level income and have been a full time live in caregiver for my mother while she battles XXXX and have been for the last 3 years and function as a fully staffed senior care facility all positions both shifts alone without pay and my mother can't XXXX without being hand in hand with me. I'm working on fixing the money tied to that, I just figured saving my mother 's life shouldn't require money to facilitate, it's my mom her alive and with my son and I is more than enough to me and it means everything to not lose her. US Bank has sadly done almost nothing when it comes to making payments easier to manage when they advertise doing so regularly and ritualistically with the programs that they offer and the count to this day is roughly nine times give or take one maybe two at most that I have filed for hardship and up until this round and the forbearance initially they really haven't helped seeing as the assistance these days currently is extremely predatory and makes it impossible to pay any other bills and guarantee the safety of my home and family. I hope this will carry enough meaning weight and value to be helped by you, it would be nice to finally get legitimate help genuinely from someone on this matter in the last 10 years nearly. Sorry for the long read, hope it's worth it to someone as I have a hard time ever feeling like I am personally and thank you, XXXX XXXX XXXX

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