Review and analysis of over 241 Conventional Adjustable Mortgage (Arm) complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 241 official complaints related to Conventional adjustable mortgage (ARM). Out of the 241 consumer complaints against U.S. Bancorp, 24% 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. 6% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 9% resulted in non-monetary compensation.
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U.S. Bancorp Mortgage loan modification,collection,foreclosure April 6, 2017 - After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. U.S. Bank has been giving runaround and putting me further and furt... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 28, 2017 - I applied for a HAMP loan modification in either -/-/- or -/-/-. The reason for the request for loan assistance was due to the fact my husband - in -/-/- leaving me and my - young children with no life insurance. We were unprepared for his -. After this event I want to keep my children in as stable environment as possible. I put in my package to US Bank ( - ). I stayed in touch with him, provided all documents requested and was told the file was complete. In -/-/- I received a letter ( dated -/-/- ) saying we were thrown out of loan mitigation saying I o... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 14, 2017 - My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unab... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure February 9, 2017 - I hold a first mtg with US bank ( loan # - ). I applied for a loan modification due to the fact my payment is going up in - and I lose my child support in - 2017. My income is - a month from my job -. My payment will be -. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of - is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in - 2017. US Bank said I can not file an appeal! So much for saying o... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 14, 2017 - On - - at - I made a cash payment for my mortgage account in the -, California Branch office personally. On - - I received a letter from US Bank that my check has insufficient funds. they charged me $15.00 returned item fee for my cash payment. I called them put on hold for hours than I went back to the branch and the manager try to call for other 2 hours with no results. It is impossible to solve this problem with phone call or with personal presence. I need help!!!!... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 14, 2017 - My home was flooded on -/-/-. Since that date I have been working diligently with my insurance adjuster and my mortgage company to get my damages estimated and the settlement checks negotiated. The 1st check from my insurance company for advance payment to be used for emergency repairs in the amount of $ - was issued to myself and US Bank on -/-/-. Once I received the check I endorsed the back of the check and paid to have it overnighted to US Bank on -/-/- in order to help expedite the process of getting funds released in order to get started with emergency repairs such as c... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 13, 2017 - This is second complaint, in past six months on Lender US Bank. Soon after last complaint, after years of trying and struggling with home payment after existing predatory loan, US Bank put me in loan modification process. I was to be approved as long as I made 3 Trial Period Monthly Payments, for each of both mortgages I have. I made those 3 months of payments for both loans. Those monthly payments, in trial period, were definitely better than what I had been paying for years. I was told on 2 different occasions, by - different associates, that those trial period payments were going to be p... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure January 11, 2017 - 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 -/-/-... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 27, 2016 - I got behind in my mortgage and sold the house on a short sale in - 2016. Prior to the closing, in - 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In t... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 16, 2016 - We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with t... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 8, 2016 - My name is - - and my property located at - - -, - -, CA - was wrongfully foreclosed on -/-/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 7, 2016 - At first we were thinking of refinancing our home, but then read about this other option of recasting ( or re-amortizing ) the existing loan with US Bank. The process was straightforward ; we just needed to pay at least 10 percent of the existing loan plus a $250.00 fee and the bank would reamortize the loan with lower monthly payments. I called the bank to make sure of this and was given an estimated new monthly mortgage payment of approximately $550.00 per month less that we pay now. We sent the money with the notarized form plus the $250.00 fee, and I noticed online that the balance o... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 22, 2016 - Mortgage loan # - We opened a mortgage loan with USBank on - 2016. It was a very long process over 90 days ... the appraiser was not knowledgeable and was being sanctioned by the state for his mistakes ; we provided supporting docs to the local branch and requested a new appraisal and appraiser ; still they did n't do anything. It took so long that the builder even issued a cure notice and we were close to loose a large down payment thank to this bank inefficiency. It was a construction loan and our downpayment was over 20 % of the appraisal value and I did n't want to include the escrow... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 7, 2016 - First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working - jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has -. I recently under went - to - am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 3, 2016 - USBank LN - - - - - - - - CA - On a recorded line, - with USBank has violated CA State and also required us to hide money from - by saying the homeowner needed to bring in funds to close the short sale. USBank had previously approved this short sale at $ -. Now they want $11000.00. I told - and her - -, that what they are asking us to commit - ILLEGAL ACTS 1 ) Violate State Law by asking a homeowner to bring in funds in a short sale, and 2 ) Violate Federal Law by giving a - TD more money than is allowed by -. With all the stuff in the ... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 24, 2016 - U.S. Bank gave us a predatory Loan that we still hold on to this day. The Attorney - - of Oklahoma, never demanded that they fix the loan, and used the money for the - in his state for travel, dining out and other inequities. This is a disgrace to the consumer when you do not know when your home will be paid off.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure August 22, 2016 - This is a follow-up complaint to an original complaint filed in - and listed as case # -. Upon submission of that complaint, U.S. Bank, the target of the complaint, replied back to the CFPB that the banks servicing agent, -, was who the complaint should have been directed to, and after a phone from the CFPB to authorize the change to -, I agreed with that new direction. However, I 've since received a letter ( attached ) from U.S. Bank that sheds new light on the ongoing fraud. In short, as part of that original complaint, U.S. Bank, as the successor trustee to - - -... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account July 27, 2016 - My principal on my house went up by - since my last payment of -. I have had no late payments for over two years. How could the principal go up when I am paying over the minimum due?... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure July 13, 2016 - I am a short sale negotiator with -. I have been hired by the sellers to facilitate a short sale on their property located at - - - - - - Oregon. I have submitted all documentation that is needed to process the short sale for - however they keep insisting on giving them something that is not possible based on our local RMLS. That is an agent view of the MLS indicating how many days the property has been on the market. In order to go around this, I have submitted the full view of the MLS which shows when the property was listed as well as the a history view of the MLS sh... |
U.S. Bancorp Mortgage settlement process and costs June 10, 2016 - The Bank does not have a note and is foreclosing without paperworks. I asked the bank to give me the paperwork ... they refused ( in their letter ) ... because they do n't have it. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 26, 2016 - I applied for a home loan from US Bank National Association, - - -, -, CA -, and was wrongfully denied a loan. Less than a year ago, I purchased and moved from a duplex into an excessively large home. It seemed like it might be fun. After being in the very large home for less than a year, it was obvious that this home was not for me. I made a mistake. It is much too big and uncomfortable. It is too much for me to manage. I started looking for a smaller home with a large yard, that would better suit me and my dogs. There were - homes that caught my eye that - had - squar... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account May 13, 2016 - In - I was trying to get a loan mod from US Bank. I submitted all the required paper work.They told me they never received the document package. I re-submitted via fax and certified letter. They told me that they would respond within 21 days. 14 days later, they foreclosed. I filed a bankruptcy. For nearly 4 years they maintained that they could not locate me original loan documents. When they finally did, the bankruptcy was resolved. US Bank attorneys agreed to, and signed off on the plan. Our case was closed on -/-/-. Since that time, I have been contacting US Bank asking for a... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 22, 2016 - I want to submit a second complaint against US Bank. My husband passed away in - and I got very behind in my mortgage. I tried several times to get a modification, but US Bank denied my request. I resubmitted the request for modification since my income had changed. Thereafter, I decided to just sell the property and try to start over. Therefore, I hired a law firm to help me with the short sale. They initially set a hearing date of -/-/- for foreclosure. I spoke with the attorney representing the bank and asked for an extension to work out the details of the short sale, and she to... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 14, 2016 - My home was slated for foreclosure. In - 2016 I was contacted by a man who saw my home listed on the Internet. I had contacted my Lender for an application for a HAFA short sale in -. The Lender is required to respond within 10 days. They did not! In - 2016 I received several mailings from the lender including a Loss Mitigation review Summary Package. They approved a traditional short sale ; and did not even consider the HAFA, nor did they explain their decision. I meet all of the criteria for HAFA. Can you please help me. ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 12, 2016 - My bank, U.S. Bank, committed deceptive, unfair and abusive acts and practices ( UDAAP ), as defined by the Dodd-Frank Act of -/-/-, as my mortgage lender and personal banker. In -/-/-, I tried for a HAMP program but was Deceptively shuffled to a loan modification even though I reported unemployment income and could have qualified for a better program. I was Abusively rejected in application process and had to start all over in the 11 months it took, served by - different - Relationship Managers who would have no continuity with my application, the rules Deceptively hidden, lea... |
U.S. Bancorp Mortgage credit decision / underwriting March 21, 2016 - My family wants to build a home so we engaged US Bank to get a construction loan. we got approved for $ - and later upgraded to $ - as the scope of the house cost increased. it is taking more time than I expected ( my first built home ) because of County regulations and issues with the general contractor and house seller. Despite the - approvals, -/-/- I got a Statement of Credit Denial stating " unable to verify residence '' as excuse. I wrote the loan officer, he did n't answer so I called him. he said I was taking too long to meet the loan conditions ( producing a General Co... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 18, 2016 - I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on -/-/2016. I called them on -/-/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representa... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 14, 2016 - I was fully expecting to submit a dispute that was due today, - -, 2016, but my case has been closed in advance of the deadline! I am going to try to submit it here and call tomorrow morning to find out why my case was closed in advance of the deadline. - - ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 7, 2016 - Hello, I have gone through this process already with a complaint filed on -/-/-. They responded and I am STILL waiting for them to get back to me .... Here is original complaint. We fell behind 3 payments to US Bank -/-/- shortly after having a baby. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they sen... |
U.S. Bancorp Mortgage settlement process and costs February 28, 2016 - I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final - document. My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in -. I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of - correction... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 6, 2016 - This is a emergency, I have been trying to make payment on my loan since -/-/-, USBank said loan was turned over to foreclosure, and they gave me a lawyer name, they did Not have the account, they did not receive the account until -/-/-, they mailed a letter on -/-/-, I have since been calling to pay, and now they have sold the loan, bank bought it!!! I have been trying to pay this and it has been a nightmare, now they have a real estate company trying to sell my property, also from the time the attorney recieved the foreclosure to the sell was less than 45 days. I need help sav... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 30, 2015 - In - 2014 I went through taking out a mortgage with US Bank. I used them simply because I had banked with them for 20 years and thought it should simplify the process. It did not. The process was painful, rattled with errors and lack of accountability on part of anyone at the bank or in the mortgage underwriting/processing division. Part of the mortgage was taking out a HELOC so we could avoid the PMI insurance and keep some money in our savings account versus draining it. When discussing with the mortgage advisor at US Bank ( - - ) he gave us the option of a HELOC since the interest ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure December 23, 2015 - Statement from our Listing Agent : - -, The - - -. We initiated a short sale -/-/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of - -. Owners were served a sheriff sale notice -/-/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on -/-/2015. This is after numerous times where documents were sent and confirmed as received by US Bank an... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure November 30, 2015 - I am trying to buy a property to live in. I have contacted US Bank Many times with information on pay off date from a foreclosure I had in -/-/-. A date is on the County Trustee Deed on public record in - -, Utah. but ... still they will NOT supply me with any date. As a result I can NOT get my loan and I am losing the said property. Now, they are reporting it on my credit report as -/-/-. This is completely wrong and needs to come off my credit report immediately. Also ... US Bank faxed a letter to my lender stating that the account is paid in full but ... will NOT provide a d... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 27, 2015 - - - - - - - , - - CA -USBank Loan # -The short sale was started -/-/2015 with USBank. Today we were told, by an obviously new and clue-less employee of USBank, that borrower does not qualify for the HAFA relocation incentive because they did not qualify for HAMP '' So ... .... If someone does not qualify for a loan mod they are ineligible for a relocation incentive???? ***SERIOUSLY????????????????? What does one have to do with the other? The employee at USBank was unable to explain why or how USBank came to this decision. USBank is obviously understaffed a... |
U.S. Bancorp Mortgage credit decision / underwriting September 22, 2015 - I was denied a loan do to US Bank Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they cou... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 9, 2015 - I made a monthly mortgage payment when in - IL at the USbank branch on - -, on - - for - paymentthey ship the payments off to a center and I have been getting calls fromtheir collection area since the right and left hand do n't know what they are ddoing. - the mgr at this branch ca n't not get an answer either. I havea receipt of this deposit. thanks for contacting them to find out where my payment is and why ithas not been processed. It is hurting my credit and will cause issues soon. - - ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 8, 2015 - I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less - $900.00 - than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a -FHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank - portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and ... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 23, 2015 - This complain is against U.S. Bank Mortgage Home Mortgage, - Minnesota office. I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( - - Form - ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federa... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure August 20, 2015 - I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in - - it is saying a pre-foreclosures I can not get a - approval that is what she is saying - I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure August 19, 2015 - I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying no... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account July 11, 2015 - Us Bank Home Mortgage, - - -, -, KY -, is engaged in fraudulent practices when it comes to processing principal reduction payments. This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all th... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 30, 2015 - I received a letter from US Bank stating that they have mailed me an escrow refund and the check has not cleared. I called US Bank to tell them I never received the check. They told me that they would issue me a new check for a charge of $15.00. I told them that I should not have to pay the charge since I never lost the check. It was not received by me. I told them that If I mailed them my mortgage payment and they did not receive the payment I could n't charge them $15.00 for not processing the payment I mailed them. They told me that the tracked the envelope to the post office that serve... |
U.S. Bancorp Mortgage credit decision / underwriting June 2, 2015 - -/-/- we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an interior BPO ''. -/-/- We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. -... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account May 27, 2015 - i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and - as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. On - -, -. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of - office by a secretary who allowed me to observe the documents for appoximatley - mins and gave me a black and white copy. Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account May 14, 2015 - I received a Notice of Escrow Shortage Letter from US Bank dated --the amount of $700.00. I called US Bank Home Mortgage talked to a - I explainedwhy I was calling and asked why there was a shortage since I sent a $970.00 to them in -/-/-, he said it was applied on -/-/-, but not all to the escrow account. I said fix it, so he opened a Work Order on -/-/- and said disregard the Notice. I called US Bank on -/-/- to make sure it was taken care of, I talked to a - who put - on the phone and she tells me if they reverse it I would have to re-done my taxes, so... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 17, 2015 - I started a modification with my bank in -/-/-. I have supplied the bank with all requested documents. I faxed over they do n't receive and I refax then it 's receive it takes several weeks for a response I supply more requested information it takes again several weeks to get no response. It 's has been 7 months. I have complained to the different relational managers '' some are rude some make notes in my file and others just do n't care. They refuse my request to speak to a supervisor saying they ca n't assit you they will say what I 've said to you. Each day week and months delay creat... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account April 3, 2015 - I have been trying to get my loan straightened out for over 2 years. I must admit that I am partially responsible because I took some bad advice. I got behind in my payments and my problems seemed to just get bigger from there. I have been trying to get a loan modification through my bank and have sent in the same paperwork on at least - occasions but ca n't seem to get enough. I have tried since - 2014 - last time and I had to file bankruptcy to keep the bank from putting my house up for auction. I thought I had all the paperwork in but I needed more. I have been trying to get my hou... |