Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: IL

Complaint narrative:
1. The property address on my mortgage documentation is the wrong address of my property. I asked for the mortgage to be rewritten immediately upon my becoming aware of this. I was told it was inconsequential as long as the county was billing for the correct property. Nothing was done about it. This caused me issues immediately when trying to turn on my utilities and when I went and got a new state identification card with the new address of my residency. I had to turn around and pay for a second identification card. 

2. In XX/XX/year> I began getting billed for $ XXXX for my mortgage payments saying that I had no insurance. I did in fact have insurance and myself and XXXX got on a 3-way call with US Bank XXXX XX/XX/year> where the XXXX  agent notified the bank that I have insurance with them US Bank said there was no need for any additional insurance to be put on my mortgage. 

3. My monthly mortgage payment was deducted from my bank account every month as scheduled. It was not known to me until XX/XX/year> that US Bank was defaulting me for lack of payment on my mortgage. I notified them by phone that they had been pulling my monthly mortgage themselves out of my bank account every month that they were saying I didn't pay so what is going on with this default accusation. They said that my mortgage payments had went up to $ XXXX since they had put insurance on my property that is mortgaged with them. I reminded them that I and XXXX had been on a call with them on XX/XX/year> as confirmation of my coverage. They still had been billing me in excess of {$300.00} dollars every month for all of those months. They said that they had been sending me notices but when we verified the address the notices had been going to the wrong address. They were going to XXXX XXXX XXXX XXXX where the occupant of that address confirmed that she had been receiving mail from them. I was not aware until sometime when the occupant of that address contacted me that mail had been coming there from US Bank. 

4. They never contacted me by phone when none of their communications had been responded to but after the resident at XXXX XXXX XXXX XXXX began returning their mail with the correct address is when I learned that I was in default of my mortgage due to not paying this excess payment they said I owed them ( but I didn't owe because I had insurance through that entire billing time period ). 

5. At the time, I was distraught and had no idea what to do about my situation. First, I learned that my house was in default and was about to go into foreclosure and I had no knowledge that any of this was taking place behind the scenes because as far as I knew since my mortgage was drafted out of my account all of those months by US Bank I had no idea they weren't getting paid what they thought I owed them because they were sending mail to the wrong address. In XXXX, I began making call after call to them to see what my status with my house was. I began getting notices of default, notices of impending foreclosure and different status updates from different US Bank locations. 

6. Eventually, they sent me paperwork after having told me they finally got the proper address figured out, asking me to sign default paperwork that would stop the process of taking my house away if I would just sign the paperwork and they would put all of the now XXXX  of dollars I supposedly owed them on the back of my mortgage. I was saving my house from being taken away from me and I signed the paperwork. They said they didn't get it on time but the first time it was sent once again to XXXX XXXX XXXX XXXX. I signed the paperwork a second time and my payment was back down to {$630.00} and I agreed to pay it each month. 

7. My credit and buying potential has been devastated by this situation and I have asked repeatedly for this to be fixed. I need help getting this straightened out and I have the financials to show where they drafted my account every month. At one point they sent me a check of $ XXXX saying they returned my installment payments to me but that would only be two payments furthermore I never cashed that check and I still have it today, but they tacked that onto the money I owe at the end of my mortgage before I can ever have the deed and my credit is in shambles. 

8. I am reaching out to an attorney to help with this fiasco but was told I also need to go through these steps to help further validate my position.

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 monetary relief