U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Louisiana

6 Months ago our home was detroyed by a flood. We can not receive assistance from FEMA because US Bank refuses to provide the documentation they require. They even deny putting the denial in writing. We can not even speak to someone to find out why multiple requests have been denied. I was promised a call today from a supervisor, but they are not available and have not called, in fact, I have never received a call back from US Bank despite assurances on dozens of occasions they would do so. We found out after the flood they had canceled our flood insurance, and were given 3 different explanations as to why. 1. FEMA redrew the flood zones 2. They were just doing an annual renewal. 3. They were evaluating whether or not the shop was going to be included in the policy. I believe all 3 excuses were lies, they did reinstate the policy but that took time to go through underwriting. I 'm pretty sure what they are doing is illegal. They did not send us a notice of the cancellation as required by law. US Bank insist the $30000.00 in insurance money they have been holding since


this request multiple times and never have provided an explanation as to why. We are living in a FEMA trailer in our front yard and are in danger of losing it because one of the requirements is that we show progress on rebuilding our home. We have not paid our mortgage since -/-/- on the advice of our attorney. In -/-/- US Bank said they could only apply the insurance money to our mortgage if our account was brought current, so we brought the account current and they still refused to apply the payments. I am at my wits end, it has been 6 months and US Bank is playing games and refusing to answer our questions. Please help!!