Review and analysis of over 1,096 Conventional Fixed Mortgage complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 1,096 official complaints related to Conventional fixed mortgage. Out of the 1,096 consumer complaints against U.S. Bancorp, 25% were disputed by the consumer (i.e. the consumer was not happy with how U.S. Bancorp responded to their complaint) and 98% were processed in a timely manner. 9% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 13% resulted in non-monetary compensation.
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U.S. Bancorp Mortgage settlement process and costs April 12, 2017 - Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they cla... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account April 10, 2017 - I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from - Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersi... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 7, 2017 - We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the ... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 29, 2017 - My loan was signed by - at -. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a - unit property. After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 27, 2017 - I am having a problem with US Bank who is refusing to negotiate in good faith and continues to change the guidelines and rules for assistance. This is leading me into foreclosure even though I am in a position to afford my current payment. US Bank continues to make errors in the financial calculations, provides conflicting reasons for denial and is changing and disregarding the rules in order to deny me all options for assistance. I am a gainfully employed - ( - - ) and I take care of my children in this home. What US Bank is doing is WRONG AND UNETHICAL. In -/-/-, I acquired my... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 22, 2017 - the lender has neglected to postpone sale during the review process of loss mitigation - the lender deemed the package complete on -/-/2017 - sale date is set for -/-/2017 Please suspend all foreclosure activity during the review period in accordance with Section 12 C.F.R. 1024.41 ( g ).... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 15, 2017 - My mortgagee, USBank has mismanaged the escrow account. They have made unscheduled, unjustifiable and frivolous disbursements at their discretion resulting in an escrow shortage and fluctuating monthly payments. Furthermore the manner in which they apply payments to the loan, ( escrow, interest and principal-in that order ) has resulted in only partial payments to the P & I thereby forcing the loan into default. They began servicing the loan in -, from - to present only - escrow analysis have been produced, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 14, 2017 - In -/-/2016 I applied for a HAMP loan modification from U.S. Bank. My husband 's untimely death due to - forced me to request a loan modification. I provided all the paperwork required by the bank as well as additional documents requested after my weekly follow up calls. In some instances I sent documents 2 and 3 times. I was recently informed that my request was denied due to lack of documentation. This is completely frustrating as I provided all that was requested and then some. Plus on several occasions I was told that nothing was required. So to be told I did n't provide enough docume... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 10, 2017 - I have had numerous issues with US Bank Mortgage from the start and one id the statements that have shown they have not received payment and the statements reflect NO payment when in fact they have by my bank statements, I attempted to rectify the process of them getting payment from my bank earlier to reflect payment received and after that failed I stopped the auto payment process from my checking account and received a letter from US Bank stating that if the stop auto payment was not per their requirements they would continue to draw payments from my Bank checking account. I have decided th... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 28, 2017 - 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 explanati... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure February 24, 2017 - Hello I currently have a mortgage with U.S. Bank Home Mortgage. In -/-/- my wife and I decided to do short sale on our property so we hired an attorney to handle the process. While we were going through the process my wife became very ill and was diagnosed with a life threatening illness, so bad that we did n't think she was gon na make it out of the hospital. Not knowing what the outcome was gon na be I asked our lawyer to look into a mortgage modification. U.S. Bank agreed and we began that process i submitted all documents and verifications that they asked for. I got started on the tri... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 23, 2017 - I originally had a home mortgage loan with - - - but they transferred the account over to US Bank back on - -, 2016. I have always paid my mortgage 1 month in advance therefore I sent my payment to - - - before I received correspondence that the loan had been transferred. - - - had sent my payment history over to US Bank at the end of - clearly documenting that my payment was received by them and applied to the account in - for the - payment. US Bank has requested and received every document, bank statement and cancelled check regarding this account. U... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 18, 2017 - I have this payment on automatic pay. I never miss a payment. The bank generally changes my mortgage payment due to shortages or overages on the impound account. This is okay. However I never get their notices. They increased my payment - dollars and because that overage was not paid they charged me a - dollar late fee even though I made the - dollar payment on time. There should be a law that banks can not charge more on a late fee than what is owed.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 8, 2017 - My home in Florida suffered flood damage from Hurricane - on -/-/-. I took mitigation action IAW FEMA rules and worked with my insurance company for claim resolution. After four months I received a claims check and forwarded it to my mortgage holder - US Bank. I fully explained my situation with US Bank and followed their instructions to submit receipts and detail the work accomplished on the property. We were unable to get a contractor to even start repairs on our house for four months so I did much work myself and brought in specialists as necessary. I documented all of this to US Ba... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 8, 2017 - I purchased a home on - -, 2016. I prepaid $1100.00 in interest for the month of - to the originator ( Bank - ) as part of closing ( found on the -. ) The mortgage was then sold to another bank ( Bank - ) on - -, 2016. Bank - only reported ( on the - ) the interest paid between - - and - -, 2016. Bank - only reported interest paid between - - and - -, 2016. This left an unreported sum in the amount of the difference between the prepaid amount and the reported amount from Bank - - which has an impact on my taxes. Bank - stated th... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 3, 2017 - Dear CFPB : This was prepared as my Dispute of - Bank 's Response in Case Number -. The CFPB website, due to a technical glitch, will not permit the Dispute to be submitted. Consequently, I am filing a new Complaint. However, this should be consolidated with the aforementioned Case. This case pertains to the refund of tax overpayments by banks to their home mortgage customers. It is a standard practice for a homeowner with a mortgage that escrows taxes to pay real property taxes TWICE when a home is sold near the beginning of a tax year. When this happens, the taxing authority ( in my c... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 2, 2017 - I received a - for $ - from my Mortgage lending company regarding a home owners insurance claim for year -. - is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. My ex husband use to be on this loan whom claimed bankruptcy in -. " I '' did not file and I h... |
U.S. Bancorp Mortgage application, originator, mortgage broker February 1, 2017 - We applied for a mortgage with USbank on -/-/-. As of -/-/- they had not approved the mortgage. We recieved a letter on -/-/- stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of $960.00 for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. ... |
U.S. Bancorp Mortgage credit decision / underwriting January 31, 2017 - In - 2016, I applied for a refinanced mortgage from US Bank. I have had multiple accounts from US Bank for decades. The mortgage I wished to refinance is an ARM that I wanted to refinance to a fixed rate loan. I have lived in the same house and paid on the mortgage for almost 15 years. The refinance was going to be 80 % loan to value. Because I 'm retired, I do not have - income. In addition to Social Security income I have income from investments and real estate. I was required by US Bank 's underwriters submit a huge amount of documentation. The bank 's document requests dragged on fo... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 24, 2017 - I received an Escrow Account History correspondence dated -/-/- with an itemized accounting for my - escrow payments with US Bank Mortgage account # -. The escrow correspondence has incorrect accounting on it and when I called US Bank Mortgage, today -/-/- at about - PST to -, the phone rep ( -? ) told me the itemized accounting on this escrow correspondence is not correct. On the escrow correspondence it says -/-/- had $0.00 actual payments to escrow. However, I made the full payment in - - which included money that was supposed to be deposite... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 13, 2017 - I pay my mortgage in 2 payments every month. The payments are made by the - of the month for the next month 's payment. For example, on -/-/- I paid $950.00 and -/-/- I paid $800.00 for a mortgage of $1000.00. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on -/-/- I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win in... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 12, 2017 - I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for $18000.00 with a $1000.00 deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 10, 2017 - I have my mortgage with US Bank. I have always made my payments on time, and have had very few problems. I mailed my -/-/- payment that was due -/-/-, sometime -/-/-. There is a 15 day grace period and as long as the payment is made prior to -/-/-, it is not assessed a fee. I made sure I mailed my payment in plenty of time for it to arrive at the bank by -/-/-. During the time between the time I mailed my check and -/-/-, I kept checking my checking account to see if my check cleared. When I saw it had n't by -/-/-, I called USBank to let them know there appe... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure January 4, 2017 - My complaint is kinda - parted. I first fell behind on my mortgage payment about a year ago. I received a chance to modify my loan, and I did qualify for the modification. I was put on a trial payment period of - months. I made the payments and then received the documents to start making my regular mortgage payments. I signed the documents and sent them back. I then awaited my information on my new mortgage. The next document I received was from a law firm saying that foreclosure proceedings would start. I contacted my lender and they said they had not received my documents. But my lende... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 3, 2017 - I - Started working with - around -/-/2016 on a home loan I were often given misleading information on the American mortgage program I asked - twice can you buy any where you want in the state of - he told me yes the biggest misleading information that was given was after I had gone under contract in -/-/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from - saying the appraisal has come in and it is subject to gutter down spouts... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 21, 2016 - We have been in refinancing process since - -, 2016. Our Loan officer is - - - number -. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money ar... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 20, 2016 - US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of - ( approximately 20 days ).... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 18, 2016 - My mortgage was sold to US Bank over a year ago. My complaint is about what I believe to be tawdry efforts to cross-sell banking services by making it increasingly difficult to log in directly to the mortgage payment portion of their site. Presently, there is no way to get to the US Bank mortgage payment portion of the site. I am redirected to the US Bank consumer banking login, which does not recognize my login and encourages me to open an account or contact a customer service representative who then tries to get me to open an account. For the past several months, a series of redirects has pr... |
U.S. Bancorp Mortgage settlement process and costs December 12, 2016 - I married - on -/-/-. On -/-/- we went to US Bank and I co-signed a loan for - for $75000.00 to refinance her house. We separated on -/-/- and I moved out of the house. On -/-/-, I went to US Bank and requested a print-out of the transactions of the loan. I saw that - had taken out $55000.00 without my knowledge and I was not contacted from US Bank that she was taking additional money. The first withdrawal happened on -/-/- for $25000.00, and on -/-/- she added $30000.00 to the loan, both of these without my knowledge. I told US Bank on -/-/-... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 9, 2016 - 1. On -/-/2016 I received important Notice that I 'm two months behind on my mortgage payment. I was surprised because my loan is automatic deduction from my account from the bank. I went to US Bank to complained about this situation and I went then several times. They told me I was charged late fee because I was late in payment. 2 I received another letter for Escrow Shortage Coupon for amount $350.00 which I paid that amount so I paid same monthly of $980.00, but I received three different payment and end up $980.00 which I 'm still not satisfied, the way she explained to their bran... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 30, 2016 - US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a - ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on -/-/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on -/-/2016. I quickly submitted the additional documents required for Final Approval on -/-/2016. Afte... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 29, 2016 - I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule - for - - that I owned. I file my taxes using - from - ( - and - ). I provided them my tax returns for -/-/- and -/-/- along with the - -. The - - format generated by - is different from the - seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule - on top and my tax returns have been accepted by the IRS and - is an IRS appr... |
U.S. Bancorp Mortgage settlement process and costs November 29, 2016 - In - I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was -. They gave a loan commitment letter on around -/-/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, - -, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on - the title company contacted me and stated that US Bank was not responding to them to give them th... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 27, 2016 - My mortgage has been paid off for over month yet my escrow has not been received address - - - - IN - - - My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! - - at -... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 22, 2016 - We purchased a new home in - -. At closing $3600.00 was put into the escrow account of the mortgage and our monthly payments would be $2100.00. In - - we received a letter from the - showing a - proposed tax assessment of $3200.00. In - - we received an escrow refund check for $3100.00 based on their annual escrow account analysis. In - - we received another escrow refund check for $780.00 and letter stating that this was due to new information they had received from - - and that our new monthly payments would now be $1900.00. Then in - - t... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 18, 2016 - I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add $11.00 to my invoice to make the payment via telephone. They also said the - payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my $2100.00 payment via telephone prior to the scheduled due date of -/-/16.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 14, 2016 - On -/-/2016 US Bank Home Mortgage received a check from me in the amount of $99000.00 to pay off US Bank home loan # -. Instead of immediately processing the payment and applying it to my account they sat on the check and it was applied to my account on -/-/2016. As a result they collected additional per diem interest from me in the amount of $11.00 per day. I can understand it taking them 24-48 hours to process a payment but they allowed 4 business days to pass plus one weekend.... |
U.S. Bancorp Mortgage settlement process and costs November 9, 2016 - I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over $200000.00 to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of $20000.00. I wired all the funds to US Bank and they did not give me any credit until I started to compl... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 7, 2016 - US Bank has apparently implemented a type of late fee charge on mortgage payments. I just made my - - mortgage payment on - - and there was a $5.00 fee added on that I had never seen before. I 've made mortgage payments after the - before, and never made on late ( past the - ) and this fee was never there. I sent them - and they responded by saying that this has been in place since - ( - I assume ) if you pay your mortgage online after the - of the month the $5.00 fee gets added. This seems to me like it 's a " late fee '' being added on that was not part of... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 7, 2016 - We refinanced our house with another bank. US Bank has refused to return our escrow unless we pay them $15.00 to cancel a check they say was mailed out to us a post office box we have not used in about 9 months. I have repeatedly called and even spoke with a supervisor who agreed we should not have to pay the $15.00 because she verified I called prior to the issue of our escrow and verified the check would be mailed out to our home address. As of yet we have not received our money.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account October 31, 2016 - In regards to my previous complaint - USBank was required to respond to my complaint on -/-/-, they provided me with - forms ( a claim form and affidavit which I have attached ). -On -/-/-, I had these documents notarized and faxed. -I called them on -/-/- and they stated that they had not received my documents. I refaxed and emailed them my fax reciept and the documents again on the same day. -On -/-/- I spoke with USBank to - in Fraud and was told that their e-fraud department would be getting in touch with me. I have not heard from USBank since and have not... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 15, 2016 - All of my housing troubles started back in - when I realized my now, ex-wife, was not paying the mortgage ; she was instead stashing money to prepare for a divorce. In our divorce, everything was split 50/50, except for the house - I took that on. I figured I 'd be able to find a way to get out of the hole. I realized this was my first mistake since I was unemployed at the time, but did n't feel like I had any other options besides keeping the house. What followed was the 50/50 split with our kids turned into me having them full time ; this came into affect -. I did n't complain about t... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account October 14, 2016 - I closed on my house - -, 2016. -. was my mortgage lender, and my first payment was due on - -. My original principal amount was $190000.00. I made my - payment on - - and my - payment on - -. Those payments, along with the extra I paid towards principal, brought the principal balance to $190000.00 and my escrow balance to $2700.00. I received a notice stating that my loan was to transfer to US Bank on - -. According to my final statement from -, dated - - ( also found in my account from - online portal ), my outstanding principal transf... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 7, 2016 - On -/-/2016 I accepted a trial modification payment plan ; the conditions were set in which I make all trial payments on time ; US Bank sent me a permanent modification agreement which I signed with a notary and returned to US Bank on time ; and that despite all that I found my home listed for online auction set for -/-/2016 by US bank on the website - at this address -... |
U.S. Bancorp Mortgage credit decision / underwriting October 4, 2016 - After being solicited by - of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), a... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 28, 2016 - 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 ... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 27, 2016 - U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on -/-/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only $190.00 which is a total lie. MY monthly bill is $810.00 and I paid 5 payments of $190.00 and it was received by them on - -. In my bill for -, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sen... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 27, 2016 - i am having a problem with us bank home mortgage i started chapter - the week before my house was for sheriff sale so that stopped the sale so i payed into chapter - for - year until i could not afford to make payments to bank and chapter - so my case was dismissed but before my case was dismissed us bank stated i could do a modifacation so i did because my balance dropped down from - to - now they say they took my house back i do not understand what happen they said they will not send my modifacation papers through because they own the house but i keep checking with the sher... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 22, 2016 - -/-/1983, U.S. Bank charged me $96.00 Late Fee on my FRM Loan on - - -, -, IL -. I protested, as the Late Fee was due to Administrative Error by U.S. Bank, but U.S. Bank refused to cancel the Undeserved Fee.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 15, 2016 - On - -, I went to local US Bank branch to make an extra mortgage payment. It was at the branch that I was informed that I had filed for Chapter - Bankruptcy. This was something that I or my wife never did. After playing phone tag games with the Banker, Mortgage, and Bankruptcy departments, they say they would look into it and I had to wait 7 day till - -. Supposely a letter was sent out to me on - -. - the same day that I filed for bankruptcy. On - -, no letter arrived and I called back to US bank bankruptcy hotline to check on the status. According to them, work ord... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 15, 2016 - THIS REQUEST IS FOR U.S BANK N/A ( - - - ) ONLY AND NOT FOR - OR ANY OTHER COMPANY AFFILIATED WITH OUR NOTE, DEED OF TRUST OR GSR LOAN TRUST -! FIRST ; WE REQUEST TO KNOW WHAT WAS THE DATE OUR NOTE/DEED OF TRUST WAS TRANSFERRED TO U.S BANK N/A, AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDER IN - -? SECOND ; WE REQUEST DOCUMENTATION ON THE INVESTOR WHO U.S BANK N/A PROVIDED THE CERTIFICATE TOO AT THE TIME OF TRANSFER? THIRD ; SINCE -, WHICH CERTIFICATE HOLDER HAS U.S BANK N/A BEEN SENDING FUNDS TO FOR OUR PROPERTY/ASSET, HOW MUCH AND DATES PAYMENTS WERE MADE TO T... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 14, 2016 - I am trying to cancel PMI as I have paid my Mortgage down early to an 80 % level and I 've never had a late payment. My Mortgage company ( US Bank ) wo n't let my cancel it as I 'm advised I need a BPO to prove my home value has n't decreased since I bought it. The BPO is n't a requirement of the Federal Government, but US Bank is telling me it is. This is my problem, I know they can unfairly do this to me so I am forced to keep PMI or pay them more money. They probably know that the value of my home has dropped since I bought in in 2008 and since then have never had a late payment. However, i... |
U.S. Bancorp Mortgage credit decision / underwriting September 13, 2016 - US Bank has failed to process my mortgage application in a timely manner. I am now in danger of not meeting my closing date and thus could lose my $2000.00. earnest money. Until yesterday, the mortgage processor was not returning phone calls I made to her to check on the status of my application. My purchase contract was written up on - -, 2016. On the morning of - -, 2016, I called my US Bank Mortgage Loan Officer to advise her my offer had been accepted and that I wished her to proceed with my mortgage application. I had already been " pre-qualified '' for a mortgage. I have pr... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 9, 2016 - Hello, For the past 16 months US Bank has been the mortgage holder on a - home that I own in New Jersey. During that time on roughly 4 separate occasions they have sent follow up mortgage statements that imply ( but do not explicitly state ) that my payment is past due. These follow up statements have been generated and sent BEFORE the payment due date and AFTER my payment is made. The first three times this occurred I was told by US Bank it was simply an automatic system generated statement and I can ignore it. This happened again and when I called US Bank on -/-/2016 I was told by a... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 9, 2016 - Hello, we paid off our home with U.S. Bank, NA on -/-/2016. To date we have yet to receive a lien release on our property. I have had to contacted the bank at least 4-5 times regarding this matter, 3 weeks ago, I was informed the lien release was sent to - County Recorders Office on -/-/2016 and bank has since received the recorded release back from - County. After checking my property records at the - County Recorders Office today, there is no lien release filed on our property. During the call 3 weeks ago, I was also informed they had mailed the recorded release to our h... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account August 29, 2016 - I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in - 2016 and that there was an overage in my escrow account ; I was owed $330.00. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold $15.00 as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure August 16, 2016 - In - 2013 through my realtor, I began the process of seeking short sale approval for my property located in -, FL. The first mortgage lien holder is US Bank Home Mortgage. The second mortgage is held by - - -. I have been co-operating and patiently waiting- as I would much prefer a short sale over foreclosure. I do not have liquid assets available to settle a deficiency balance. After months of waiting US Home Bank approved me for a mortgage modification rather then a short sale. Each time I declined the modification and advised I needed to do a short sale, because I am no longe... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 16, 2016 - -/-/- i called US bank to see if i could refinance my mortgage to a 15 year fixed rate. I spoke to - and asked if there would be any issue since in -/-/- i did get assistance from " keep your home California. '' after i was laid off. He clearly said NO. He ran my credit. Once he took all my information he said i qualified for a 15 year fixed rate at 3.25 % i was very excited because my mortgage would only increase - dollars a month. He gave me all the information needed to begin the process. I also payed $390.00 to begin the process. 3 weeks later - - in processing dept... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 15, 2016 - I contacted U.S. Bank the week of -/-/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full -/-/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous c... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account August 12, 2016 - I have been a US Bank customer for over 15 years. I am not normally one to go on and on but this so called Mortgage experience with US Bank is just truly not acceptable service at all. I do n't know where to start on the issues with US Bank. The treatment of this customer is totally uncalled for and violates the business code of ethics US Bank stands for. We do the right thing. In this case US Bank did everything wrong handling this customer 's mortgage. ( - -/-/-, I was looking at refinancing my mortgage to a 20 year loan. I contacted - - at US Bank in - in -, NV. She was ... |