U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Ohio

After losing my business and enduring financial hardship I called US bank for help and was told nothing could be done for me unless I was in default. After going into default I went through the Mortgage Adjustment Program ( MAP ). The first time through the payment was very near the original payment and with only about 30 days notice I was unable to begin the trial period. I submitted a second time with only my income as my wife and I separated and she no longer lived on the premises or shared in the costs. I was approved and received final MAP agreement around -/-/2017. I have until -/-/- to accept. The bank has added $ - to my principal for missed payments. There is no discussion or negotiation. My principal went from $140000.00 to $180000.00. When I inquired, I was told that they simply tacked on 41 missed payments to the end of the loan. The predatory nature of this is that I did not BORROW more money, I missed payments. Logic would dictate that I would be charged interest for the 41 missed payments, not the amount of each payment including the portion that would be applied toward the principal. I am being charged my own principal payments??? How is this legal?