U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Other mortgage Loan modification,collection,foreclosure Ohio

On - -, - I sent a " Qualified Written Request '' to US Bank Mortgage requesting my loan origination documents. The request specified my loan application, right to cancel, deed of trust, balloon mortgage, mortgage note, truth in lending, good faith estimate, appraisal ( including comparable properties used to arrive at value for loan and all required disclosures. ) I also requested these documents be legible and all original documents copied in their entirety. Plus a copy of the payment history of the loan including all payments made, all fees incurred and how payments were applied for the life of the loan. The information that - mortgage sent and the response letter is attached to this complaint. They stated they sent my RESPA, truth in lending settlement, pay history, and notice of right to cancel. They state I would need a subpoena to receive the other documents due to confidentiality issues. The


and the truth in lending disclosure was not in its entirety. They sent - copies of page -. ( doc is attached - - 15 year balloon mortgage was closed on - -, - for $ --7.34 % interest and finance charge of $100000.00. My payments are $700.00 and the original due date was the first of every month beginning - -, - with a 15 day grace period. The payment history that I received shows - payments were applied to interest only from the beginning of the loan until -/-/-. ( see attachment ) Also the principal amount paid throughout the loan is inconsistent with some months only $29.00 or less being applied to principal with a full payment within the grace period. I requested help with my mortgage in - after a on the job injury and I was told that my loan was not a mortgage it was a signature loan. US Bank told me I did n't qualify for any help since it was n't a mortgage. If you look at the payment history from the beginning of my loan they were treating as a simple interest loan. They were miss applying my payments. I did request a due date change and it was granted. Now my mortgage is due the - of the month. Also on the payment history that I attached it shows they moved my loan to the mortgage department -/-/- and gave it a mortgage account number. I never signed for a signature loan I have mortgage documents. I am questioning the principal balance of my mortgage. There are several payments I made specifying the extra monies to go to " principal only '' on the payment coupon and they were not applied. I feel - Mortgages accounting is not correct plus they do not have my original documents. They are so worried about customer confidentiality but they send me someone else 's balloon note. I am trying to get a loan modification but with the principal balance in question it can not be done until forensic accounting looks over my loan payments. I have attached all documents to prove my payments and - - response. How can they apply - payments to interest only plus be inconsistent through the entire loan at applying principal payments. You can see through the history something is incorrect. They way they are applying payments I will never get my house paid off.