Review and analysis of over 665 Fha Mortgage complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 665 official complaints related to FHA mortgage. Out of the 665 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 97% were processed in a timely manner. 5% 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 closing on a mortgage August 6, 2019 - We have been working with US Bank since - of this year, -. Our actual loan officer has been decent, and explanatory as we are first time home buyers. The woman who is under him that collects documents and is the one more in communication with you has failed to communicate through the entire process. Received all my documents vis US Bank portal ( w2s, tax return transcripts, employment letter ) all as of - -. Our closing date was supposed to be today -/-/- at -. Friday the lady in correspondence called and said I didnt provide my previous addresses for tax transcripts so she... |
U.S. BANCORP Mortgage trouble during payment process May 26, 2018 - The company in question is US Bank, our mortgage provider. We are attempting to remove our monthly MIP ( mortgage insurance premium ) from our bill. Per FHA and guidelines from US Bank, the following conditions must be met : 1 ) The loan must be 5 years old ( we closed on -/-/- ) 2 ) The LTV ratio must be 78 % of original value. Per their own documentation ( attached ), we need our balance to be below $180000.00. Our current balance is $180000.00. 3 ) We must have a good payment history ( we have zero missed or delinquent payments in our payment history ). 4 ) We must submit a wri... |
U.S. BANCORP Mortgage trouble during payment process December 22, 2017 - I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on -/-/- stating that there was an escrow shortage of $2600.00 and my mortgage payment would increase to $1600.00 as of -/-/-. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US... |
U.S. BANCORP Mortgage incorrect information on your report August 2, 2017 - -/-/- I received my credit report from - . Someone is using my personal information to abuse my credit. There is a address in Michigan that is being used. I have never lived there, nor have I visited there. The spelling of my name is being used as - - - . I 've reported my drivers license stolen with my name being spelled that way. My social security card have been stolen. I 've notified The Social Security Department. I 've done a name change with Probate court, in the presence of a Judge. My name on the credit report is also spelled - - - On -/-/... |
U.S. Bancorp Mortgage credit decision / underwriting April 11, 2017 - Since -/-/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 31, 2017 - Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via -. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : -/-/2017 : $1600.00 - represents three ( 3 ) payments of $550.00 -/-/2017 : $1100.00 - represen... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 31, 2017 - I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid - ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( - ) that it was due to my income. - reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( -/-/- ) and it was denied ( -/-/- ) and at that point I was sent to foreclosure. I again spoke with the same manager who advis... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 27, 2017 - Called and spoke to - and was told my fee could not be waived to make an additional payment to my esscrow account. I got an escrow shortage after I made my - payment and I do not understand how a company can not void an $11.00 fee as a courtesy for a faithful customer. I am not trying to make an $800.00 payment I am only trying to make the $280.00 for my escrow shortage. I do not have a USBank near me and I do not feel mailing in my payment is secure. I do not like seeing any type of shortages on my accounts which is why I was tryng to clear it out early so next month i can pay the... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 25, 2017 - On -/-/2017, I submitted a new purchase contract to my short sale lender and I received a phone call on -/-/2017 from my single point of contact ( - ) that the lender would not even consider me doing a short sale. I am desperate for help and I am trying my hardest to get the property and I feel as if my lender is n't doing what the government says a lender should do by offering me an alternative to foreclosure. I am not asking for a handout, I am only asking that you assist me with getting my lender to review the cash offer that I have on the table.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 21, 2017 - In -/-/2016, we lost my wife 's mother. We had to utilize more of our income than normal to take care of our bills, the funeral and our businesses. We were staying above water until the end of the -. My wife is also an -. They do not get paid in the month of -/-/-. We missed out on that income to help us pay for our bills and our mortgage. I was able to pay part of it, but not all of it. I called to set up a payment recovery plan with my mortgage lender and they agreed to it. But I did not realize that, in doing so, I was going to have mortgage payment ding my credit score. We are... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 3, 2017 - I took a mortgage through USBank home mortgage in -/-/2009 for $55000.00 on a home. and participated in the Florida first time home buyers program offered by the state of Florida. I received a $10000.00 down payment assistance through the Government ( 1st time home buyers assistance program ) this is only re-payable to the Government when I sell my home. I just checked my credit report and noticed my balance of $49000.00 I currently have with USBank home mortgage has increased by $10000.00 to $59000.00??? Also, this lowered my credit score, because the balance now owed increased by... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 2, 2017 - I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about - worth of painting expenses ), and the remainder which is to reimburse myself for repairs th... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 27, 2017 - US Bank Home Mortgage is the company handling my mortgage. Our agreement is that they are to pay our homeowner 's insurance from my monthly mortgage payments. Over the past 2 years handling our mortgage, we have received several cancellation notices from my homeowner 's insurance companies due to non-payment of the premium that was supposed to be paid by US Bank Home Mortgage. Because of this, we have had our homeowner 's insurance cancelled multiple times and had to switch insurance carriers on account of this issue. At one point, I was told I had 2 insurance companies at the same time and wa... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 14, 2017 - I received my end of the year statement showing my escrow was overpaid by - because my taxes went down and a check would be sent to me. I called to verify and a rep told me i would receive a check.i called back to check on and they told me i wouldnt get it even though i was caught up on my mortgage. I did a modification where i have to pay - after my loan is paid off which is what covered the modification and made me current. They cant tell me where the - went to.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 20, 2017 - We Filed a chapter - -, every since US Bank has purposely tried to undermine our mortgage with deceptive practice. They refuse to give amortization of loan since - to date. Giving false principal amounts, and claiming they only have - amortization because of the modification they done, which we never seen nor signed nor heard of, this their basis for taking over the escrow, they refused to send escrow check to pay taxes in - like before bankruptcy claiming we authorized them to pay our taxes which we never did prior to bankruptcy, we have always paid our own taxes. Since they to... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure January 19, 2017 - Us Bank Mortgage Company gave me a Modification -/-/-, My mortgage payment was $900.00 and $920.00, -/-/- my mortgage went up to $1000.00 I fell behind in my mortgage payment and asked US bank for a Mortgage or repayment because I am only 4 months behind. Well after months of waiting I called Us Bank this morning and spoke with Loss Mitigation department, I was told I was denied for both repayment and Modification, I was well aware I did not qualify for Modification, I just ask for a repayment and was denied that also, the person I spoke with she my income was so low and I aske... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account January 18, 2017 - In - - My mortgage company advised me of a payment increase due to escrow. My previous homeowners insurance was nearly $2500.00 per year. I refused to renew with - - and looked for another carrier. I received a new policy with - - which was approx $950.00 per year. I contacted US Bank and advised the escrow department and asked for a updated escrow analysis and payment adjustment. I followed up and spoke to an individual who indicated that I should pay $1100.00 per month going forward. Starting in - I started to submit payments in the amount of $1100.00 as instruct... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 24, 2016 - We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires - appraisals. When we received our - appr... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 22, 2016 - Our home loan was in my husbands name only. He died in 2014. I kept up the payments as long as I could but had to sell the home in -. After we closed, they sent an overage check for $ - addressed to my dead husband after I had sent them multiple copies of his death certificate. Went to the local branch and they told me to send the check back and they would reissue in my name. They did not, they sent a letter telling me I need a copy of a filed and recorded executor document. I went to the county and they told me they could n't do that for me. I have sent US Bank a copy of the grant deed ... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 16, 2016 - My mortgage company, US Bank Home Mortgage, is giving me the run-around and will not send out my flood insurance funds to me to pay for damages to my flood-damaged home. My house was flooded in -/-/- in - Louisiana. On -/-/2016, I submitted documents requesting reimbursement from MY OWN FLOOD INSURANCE FUNDS to reimburse me for my expenses. Previously, I spoke to - different customer care specialists, and was told I only needed to send my receipts and a letter requesting reimbursement. I faxed all of this documentation on -/-/- to US Bank 's Loss Draft Dept. On -/-/-... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account December 12, 2016 - My loan fell behind - months because of a job change, I was attempting to make a payment over the phone. I have money coming in -/-/- and I explained to the company I wanted to make - payment on Friday -/-/-. They refused to take my full month 's payment unless I agreed to pay for - months worth that was predated. This company, U.S bank - mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to me.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure December 8, 2016 - I had to have - in -/-/2016, - months after purchase of my home. I fell behind in payment for that month, but continued to pay accordingly. Call US Bank -, MN, for assistance, they stated they are unable to assist me unless I 'm behind on payments. I pay my mortgage on the last day of the month, then the - of the next month I 'm considered late and am now accessing late payments. They kept giving me choices that were not feasible for my situation. ( i.e Forbearance for a couple months with a lump sum at end ... ) Unable to catch payment up. I even asked if I could pay - and -... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure December 6, 2016 - I opened a business in - -, and I purchased my home - - through -. It was sold to US Bank shortly thereafter. I made payments on time for the first year, until - - due to unstable business income, a family member stealing , and supporting - kids alone. I called, set up a payment plan, ( without issue ). The 2nd payment I made was set to draft on a Friday and the following Monday it had not, so I called to confirm it was in process. The rep. said they did not see a scheduled payment, and took a payment over the phone. It turned out the draft was still scheduled and after... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure December 6, 2016 - On -/-/2013 I suffered a - from a - injury I recieved while at work. For the first few months I was able to make my house payment until - - stop ( was at that time fighting them - and waiting for Social Security - to start and fell behind - - months. I was excepted to the - Our Home - Program through the State of - Department - - and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the - - months due would be brought current at the end of the program. Long story short, I made all my payment ... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 23, 2016 - Signed and Sealed under Affirmation, True to the best of our knowledge and belief. To : Federal Trade Commission, Consumer Financial Protection Bureau From : - - RE : Violators ; US BANK HOME MORTGAGE/ ACCOUNT NO. - By and through - -, - - -, -, New Jersey - This is a complaint of federal violations ; Pursuant to the Federal Trade Commission Act, Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 619 Obtaining information under false pretenses, And The Consumer Financial Protection Act of 2010 ( - ) ( Title - of the Dodd-Frank Wall Street Reform and C... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account October 26, 2016 - US Bank is charging me a convenience fee to have my loan payoff faxed to me of $5.00. They apparently charge $20.00 for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs $5.00 to be faxed. The only justification that - gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 7, 2016 - We purchased a house in - -. Within two weeks we had to move out after discovering that the house was unlivable due to mold contamination. We immediately contacted the loan servicer, - - / Fulton Mortgage, first by phone in -/-/-, then formally by mail ( via certified-mail, letter dated -/-/- ). We were told there was nothing they could do, and in - - we were notified that they sold the mortgage to US Bank, despite knowing that we had already moved out. So then we contacted US Bank Home Mortgage and requested a " Deed in Lieu of Foreclosure '' ( via certified-... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure October 4, 2016 - I have been trying, unsuccessfully, to get a loan modification for my mortgage with US Bank. Even though I meet some, if not all of the criteria to obtain such help, I was denied ANY and ALL help, even though they signed an agreement with the government to offer homeowner 's assistance to prevent foreclosure on their mortgages. I have done some research and there are thousands of people in my same situation with this bank. I think US Bank Home Mortgage should be investigated for their failure to provide homeowner assistance.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 30, 2016 - I have a fixed rate mortgage from US Bank. Despite property tax and insurance costs being readily available, they have consistently miscalculated my mortgage escrow requirements year to year resulting in shortages. Each year they also miscalculate the shortages, asking for a very small amount up front and raising my monthly payment much higher to cover the rest. In years past I have been able to calculate manually and " pre-pay '' ( pay the actual shortage ) of my escrow. This year they claim the law changed on -/-/- such that they 're no longer allowed to do that. They were unable to def... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 29, 2016 - MY CLIENT AND I HAVE BEEN DILIGENTLY WORKING TO PROCESS A SHORT SALE WITH US BANK, AND HAVE HIT MULTIPLE ROAD BLOCKS, DUE TO US BANKS IN ABILITY TO REVIEW, COMMUNICATE IN A TIMELY FASHION. AS WELL AS DELIVER FALSE INFORMATION REGARDING OUR REVIEW. PLEASE SEE ATTACHED. I HAVE ALSO REACHED OUT TO FHA NATIONAL SERVICING CENTER FOR ASSISTANCE REGARDING THESE CIRCUMSTANCES, THAT ARE FORCING MY CLIENT INTO A FORECLOSURE/SHERIFF SALE.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 21, 2016 - Please consider this complaint a notice of error regarding loss mitigation options. Borrower sought loss mitigation options on an FHA loan and was offered an FHA Formal Forbearance for six payments of $2100.00 for a total of $12000.00 in payments in order to cure her arrearage on the account. This type of offer is only supposed to be made according to mortgagee letter - if - % of a borrower 's *surplus* income can cure the arrearage within 6 months time. Borrower 's *gross* income was calculated and presented to US Bank as $2100.00 on her financial worksheet. Essentially, the repay... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 21, 2016 - I purchased a home in -, - immediately after my divorce in -/-/-. In -/-/-, I had to relocate to -, - for my job so I rented the house and subsequently went through a nightmare situation with the renter, who did n't pay me for a while and finally did leave. I then put the house on the market and several months after, realized that any offer I would be able to obtain would require me showing up to the closing table with several thousand dollars that I did not have. So I started into the short sale process with US Bank, Account number -, property address - - -, ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 21, 2016 - Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediatel... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 20, 2016 - There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was -/-/-, it is now -/-/- and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 9, 2016 - This bank is horrible..I submit my homestead information two months ago spoke to one representative that told me my payments will reduce but never did than another representative told me I had to resubmit everything..this is horrible and my payments are still the same..not pleased at all..... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 4, 2016 - My loan was transferred from - - - Banking to U.S. Bank as of -/-/2016. I had already made my mortgage payment for -/-/2016 on -/-/2016 to - - - - as soon as I received a letter saying my loan will be transferred I called and - advise me that my payment and loan information will be transferred over to U.S. Bank. On -/-/2016 I started receiving phone calls saying my loan will go in default if not paid and after 30 days I will be reported to the credit bureau I did my research and when a loan is transferred it says that I have a 60 period before any late fees are ... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account August 22, 2016 - I filed for bankruptcy. I got a discharge of my debts. US Bank is my mortgage holder. They refuse to report that I have a mortgage to the credit reporting bureaus. They also wo n't release my mortgage statements for the last three years.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account August 5, 2016 - U.S. Bank is the current holder of my mortgage. My payment is due on the - of the month and I have always paid my bill on that day. Effective this -, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after - - - on the - of the month. Since I live in a -, then this means the fee will be assessed after - -. on the - of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. Acco... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure August 4, 2016 - We submitted a short sale to USbank on -/-/2016. They collected documents and had a complete file on -/-/2016. It has been 96 days since the short sale was submitted. They have not even ordered and appraisal on this case.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure July 29, 2016 - I began a Mortgage Relief application process -/-/-, with US Bank, but, as you will see in the attached documents, the review did not begin, until -, -. Because I did not want to retain the property, I was told that my first relief option was to apply for a short sale, which included listing the property until - -, -, and then, if it did not sell, it would be reviewed for a deed-in-lieu. ( see attached emails from US Bank employee - -. ) I listed the property, and there were no offers. During the time it was listed, I had phone contact with my US Bank relationship man... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure July 25, 2016 - I got a mortgage - 2015. In - I had a medical issue that was going to cause me to not be able to make my house payment. I called the mortgage company and was told they could not help me until I was 3 months behind. So at 3 months I called back and they suggested a modification. I agreed and filled out all paperwork. Sent it back in immediately. Months and months passed when they said oh we need this extra document. I emailed it to them within 15 minutes of requesting it. several more months pass and even thou gh I called in concerned with the timing, I was told we are backed up and we w... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account July 18, 2016 - On - -, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. The payoff of the mortgage occurred as part of escrow : the total payoff amount of $190000.00 included principal ( $190000.00 ), interest ( $440.00 ) and fees ( $41.00 ). Interest covered the period from -/-/2016 through -/-/2016. After contacting US Bank, they acknowledge receipts of the payoff on -/-/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on -/-/20... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account July 13, 2016 - - -, 2016, I submitted my mortgage payment online. Upon submitting the payment, I received notification that the payment was received. Prior to leaving on vacation on - -, 2016, I called US Bank automated phone service to confirm the payment was in fact received. On - -, while on vacation, I notice that the payment had not been withdrawn from my bank account. Therefore, I called US Bank to confirm when the payment would be withdrawn. During the call, I was informed that my payment was return by my bank due to the account number not being provided. I immediately reviewed the o... |
U.S. Bancorp Mortgage settlement process and costs July 11, 2016 - The escrow account was negative in the amount of $1000.00 for homeowners Insurance was - payoff. I do n't agree with the amount.... |
U.S. Bancorp Mortgage credit decision / underwriting July 8, 2016 - Since my last complaint on -/-/2016 nothing has changed with US Bank. I was informed by my case manager - - that my file is STILL under review and it 's been well over -- months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the - pass due to this nor can I live here under these circumstances. Back in - my home was appraised for $ -... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account July 1, 2016 - This is regarding case # -. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from - 2016 to - 2016. It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consume... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account July 1, 2016 - US Bank Mortgage is refusing to report my account to the credit bureaus indicating the reason they are not reporting the account is due to the statue of limitations related to Chapter - Bankruptcy that was filed in error in -/-/-. The Chapter - bankruptcy was never confirmed and the case was closed due to the error. I did however file a Chapter - Bankruptcy in -/-/- that was paid in full and discharged in -/-/-. MY US Bank mortgage account was reaffirmed and the account is still open and active. The account reported to the bureaus through -/-/- however it was delet... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure June 30, 2016 - I applied for a modification. I was denied a modification, and any other types of resolutions due to " discrepancies '' on my application. In order to find out the " discrepancies '', US Bank is requiring me to get a subpoena to find out the basis for me my denial. I have consulted with an Attorney who thinks he spots the discrepancy which can easily be explained and proven. When I asked US Bank why ca n't you just tell me the problem and I explain, and their response is " our investors require you to get a subpoena in order to give the reason for denial. ''... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 25, 2016 - Dear CFPB : I 'm a resident in -, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in - -. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was - we were seeking a way to lower the monthly payment to prepare for me being s... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 22, 2016 - I am refinancing my FHA mortgage into an FHA streamline from US Bank to - Mortgage. - reached out to US Bank via fax at - on - - to request a payoff amount, and has yet to receive anything as of today, - -. This is holding up my closing date, which now will most likely have to be moved back. I contacted US Bank on - - to get this request expedited, and I was told that they did n't have a request on file, despite the fact that my loan processor from - had spoken to US Bank several times over the phone between the - and - to get the payoff sent. I was told tha... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure June 16, 2016 - I filled a complaint before seeking some documents from US Bank. I have since received such documents. This complaint is as a result of the information in the documents. ====== I got a balloon mortgage in - - for $290000.00 at 4.5 % with monthly payments of $1400.00. US Bank is the mortgagor. In - -, the balloon amount/remaining principal in the amount of $250000.00 was refinanced at 6.135 % with monthly payments of $1700.00 and the last payment was due on -/-/-. The terms of the loan was changed without my knowledge or consent sometime after - - by US Ban... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure June 16, 2016 - - - - -- - ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a $100000.00 -. The lady had a total income of $31000.00 a year. She had monthly debts of $350.00. At the very most, she qualified for a mortgage of $61000.00. The US Bank loan officer arranged a USDA downpayment of $1500.00. Not only was this lady not qualified to handle a $100000.00 mortgage, she did n't even have any money for a downpayment. The appraiser from US Bank appraised this old house for $100000.00. It had sold only a few months earlier for $55000... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 15, 2016 - In - I was diagnosed with - - - -, I had to have surgury and do - - -. I had obviously gone on - in -. I applied for the loan modification at that time knowing I would lose a lot of income I got ahead, I was already falling behind on my mortgage due to a lot of appointments. I sent in all my paperwork to them in a timely manner, to be exact they got everything they needed within 3 days, since then it 's always been a fight of sending them a paycheck with a year to date income which thru ups - thru teamsters they do n't do that, they just send me a - check we... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 14, 2016 - I have a mortgage with US Bank that has insurance escrow attached. The bank erroneously estimated that insurance would be higher next year and overcharged my autopay. I spoke with the insurance company in late - or early - and sent to US Bank paperwork indicating what the actual rate should be. US Bank said that my payment would be adjusted for the next bill. They did not adjust it for the next bill and overcharged my account again. I am on a fixed income, and had adjusted my spending to accommodate only the lower amount they said they would charge me, which created a large financial har... |
U.S. Bancorp Mortgage application, originator, mortgage broker June 12, 2016 - U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a - and an approved -. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor credit. ... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 12, 2016 - U. S. BANK has increased my monthly mortgage payment, initially without proper explanation. When contacted, they stated the increase was to offset a bill received from our HOA. Our HoA fee is paid directly and is not routed through our mortgage. U.S. Bank agreed to investigate the issue ( via phonecall ) but they have provided no further correspondence. Also, my current statement does not reflect a correction which indicates they have not investigated/resolved the issue. I have confirmed with HOA that our account is current and in fact is in credit for next year. U. S. BANK received my mortgag... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 7, 2016 - I have a loan with US Bank and refinanced and closed on -/-/-. The appraisal for the -/-/- refinance was $380000.00. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On -/-/-, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on -/-/- per the current market was over $500000.00 and my loan balance was $310000.00. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for $150.00 such that my new LTV was based on cur... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 7, 2016 - - - bank sold my mortgage and did n't notify me in a timely manner. USBank bought my mortgage and did not notify me in a timely manner. ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure June 6, 2016 - I fell behind on my mortgage payments - years ago after losing my job. US Bank Home Mortgage offer loss mitigation at that time. I filed all the paperwork but after - months I contacted my case manager because I had not heard if it been denied or approved. At that time I was told that my application had been lost. I submitted all the paperwork via email so I had proof that it was submitted to my case manager. After re-submitting, it took almost another - months to be told I had been denied. at this point all I wanted to do was resolve this issue and get out of debt. By this time I had... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account June 6, 2016 - Recently I went through some financial short comings when I lost my job in -/-/-. During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on -/-/-. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to -, - - and -.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate. ... |