Consumer complaint received 2025-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX Veteran Online Filings, Online complaint are being completed immediately upon mailing the Complaint and cover letter.

Online complaints ( e.g., CFPB at www.consumerfinance.gov/complaint or Nevada Attorney General at ag.nv.gov/Complaints/File_Complaint ), include a similar note in the form, such as : Attached is a letter about an unauthorized mortgage modification ; please assist. Additional Step for VAFor the VA, consider calling ( XXXX ) XXXX to report the issue directly, as they can provide immediate support for VA-guaranteed loans. A cover letter with your mailed letter can reinforce your request for help.

________________________________________ Survey Note : Protection Bureau ( CFPB ), Nevada Attorney General, and the Department of Veterans Affairs ( VA ). It expands on the direct answer, offering a professional, thorough analysis for readers seeking a deeper understanding, particularly given the users status as a XXXX veteran and the complexities of mortgage servicing.

Background and Context MAIN COMPLAINT ILLEGAL MODIFICATON The user has encountered an issue with their VA-guaranteed mortgage, where the lender allegedly modified the loan terms ( e.g., increasing the interest rate to 4.11 % over 40 years ) without consent, despite the users explicit refusal and cancellation of such changes. The user has been advised to send a detailed letter to the lender, with copies to the CFPB, Nevada Attorney General, and VA, to demand reinstatement of original terms ( 3.75 % interest, 30 years ) and seek assistance. The question of whether to include a cover letter arises as the user prepares to file these complaints on XX/XX/year>. 
Also, the following online complaints were made VA at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), To XXXX XXXX XXXX XXXX 
To whom It may concern, This cover and letter are to make you aware of a complaint I am making relative to Escalation and USBank have made changes to my mortgage, interest Rate and length 40Y terms. I though a Audit with Mortgages services I found a missed payment in 10 0f 23, on payment XXXX. This initiated seeking out remedy. Thus I called to get the ways to proceed. I finally got a letter ( Included in documents ) I asked for 1 month poss. 2 mo. of deferment.

The person on the phone jumped to forbearance, thus modification. I immediately said I do not want to change my interest or term limit. She asked if I wanted a letter I said yes I need to know the terms to make any decision so yes send me the Terms and then Ill call Back this was around the XXXX of

the month. I was in my account day before checking that bills including mortgage were paid. All good. On the first I pulled my accounts up and my mortgage was gone. I went to the bank to see why, And the teller says its closed for modification? I told her I never initiated any such thing. And I told the person no changes, then during a conversation I asked to question and assuring I did nothing. You did, you sent to underwriting like I said thats what I wanted, I never said any such thing as a matter of fact the second option was a pay back I had already started to but I need better relief and still do. The complete story along with documents and relevant Laws and in boxes see what I am speaking to. And is laid out Challenges youre facing with your mortgage, and Ill do my best to provide clear, actionable information based on your situation as a XXXX veteran in Nevada. Your questions involve whether a lender can initiate mortgage modification without your approval, relevant Nevada and federal laws, immediate steps to protect yourself, and how to contact HUD or the VA for assistance. Lets address each question systematically, keeping in mind your status as a XXXX veteran with a VA-guaranteed loan at 3.75 % interest over 30 years VA at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, To XXXX XXXX XXXX. 
To whom It may concern, This cover and letter are to make you aware of a complaint I am making relative to Escalation and USBank have made changes to my mortgage, interest Rate and length 40Y terms. I though a Audit with Mortgages services I found a missed payment in 10 0f 23, on payment XXXX. This initiated seeking out remedy. Thus I called to get the ways to proceed. I finally got a letter ( Included in documents ) I asked for 1 month poss. 2 mo. of deferment.

The person on the phone jumped to forbearance, thus modification. I immediately said I do not want to change my interest or term limit. She asked if I wanted a letter I said yes I need to know the terms to make any decision so yes send me the Terms and then Ill call Back this was around the XXXX of the month. I was in my account day before checking that bills including mortgage were paid. All good. On the first I pulled my accounts up and my mortgage was gone. I went to the bank to see why, And the teller says its closed for modification? I told her I never initiated any such thing. And I told the person no changes, then during a conversation I asked to question and assuring I did nothing. You did, you sent to underwriting like I said thats what I wanted, I never said any such thing as a matter of fact the second option was a pay back I had already started to but I need better relief and still do.

The complete story along with documents and relevant Laws and in boxes see what I am speaking to. And is laid out Challenges youre facing with your mortgage, and Ill do my best to provide clear, actionable information based on your situation as a XXXX veteran in Nevada. Your questions involve whether a lender can initiate mortgage modification without your approval, relevant Nevada and federal laws, immediate steps to protect yourself, and how to contact HUD or the VA for assistance. Lets address each question systematically, keeping in mind your status as a XXXX veteran w

ith a VA-guaranteed loan at 3.75 % interest over 30 years. .

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