U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Tennessee

I fell behind on my mortgage payments - years ago after losing my job. US Bank Home Mortgage offer loss mitigation at that time. I filed all the paperwork but after - months I contacted my case manager because I had not heard if it been denied or approved. At that time I was told that my application had been lost. I submitted all the paperwork via email so I had proof that it was submitted to my case manager. After re-submitting, it took almost another - months to be told I had been denied. at this point all I wanted to do was resolve this issue and get out of debt. By this time I had another job. I wanted to short sale my home so I submitted all the paperwork for this process. It took another year for this process to even get started. By this time I had already moved out of the house for fear that the mortgage company would come in with " eviction '' papers. after a year of trying to short sale, I was finally told that I was eligible to do this because I showed a positive income. Well of course I would if I had another job and was n't paying a house note. So at this point I am at the mercy of my mortgage company waiting for them to close my case and stop the negative impact to my credit report. I do not recommend anyone using US Bank Home Mortgage and hope they never have to be put through the foreclosure process with them.