U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Utah

I paid off my mortgage with US Bank on -/-/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on -/-/2016. They informed me that the refund was processed on -/-/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.