Review and analysis of over 1,371 Other Mortgage complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 1,371 official complaints related to Other mortgage. Out of the 1,371 consumer complaints against U.S. Bancorp, 20% 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. 7% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 11% resulted in non-monetary compensation.
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U.S. Bancorp Mortgage loan servicing, payments, escrow account March 13, 2017 - In -, we found out that both of the homes we owned were filed as primary residences in - locations in Michigan ( - & - ). When we purchased our home in northern Michigan, we did not know that our status in - was not changed to a secondary home. When - found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by - 's assessor. Due to medical issues for our daughter ( - and ongoing issues ), we relocated back to - when a job opportunity arose in early -. Immediately... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 4, 2017 - Called to pay off my escrow shortage on -/-/2017 at - am from phone number -. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to -... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account March 2, 2017 - We are having problems with US Bank holding our checks until after the due date and then charging us late fees which we refuse to pay. We are trying to refinance with a different company and are at a standstill until we get this situation resolved. We have called them regarding this and have gotten the excuse that the mail is really slow because it is tax time and the post office in - - is backed up like it is -/-/-. The funny thing is that this has been happening for the last 5 months. - at US Bank said that they do not hold checks. I beg to differ. The phone conversation that I... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 18, 2017 - I would like to supplement my prior complaint against USBank with additional information. I believe that they have engaged in deceptive and misleading behaviour in regards to loan servicing of my construction loan. 1. their communication that my loan would begin full amortization on -/-/17 would suggest that my full P & I payment would begin in - 2017. However, they wanted PAYMENT of full P & I in - 2017- which means that the amortization began in - -, 2017 - and contrary to their representation. 2. they have sent loan statements LATE and in a misleading fashion. I have a... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 15, 2017 - USBank provided me a construction loan. 1. they failed to provide online banking for review of statements or making payments. I was told in the enrollment process that online banking was available. I had to rely on paper statements. 2. USBank continually failed to provide me timely paper statements. I dutifully looked at my bills each day/month but often I did not receive a paper mortgage statement from USBank. I was forced to call/email each month to arrange for a manual emailed statement from the construction loan mortgage group. 3. I was informed via email by - - -, the constru... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 13, 2017 - I have been trying to get a payoff statement from my former Mortgage company, US bank home mortgage, Last Monday I called to request this and they could not send it to me that day, instead they could email it to me within 3 to 4 days via - secure server. by Friday I still had not received it and so i called them again, they said they would fax it over to me with in 10 to 15 minutes and put in a rush request for it to be emailed to me and also told me that normally it would actually take up 7 days but it is scheduled to be emailed by monday. I never recieved the fax on friday. so I called AG... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 1, 2017 - I received a - int from U.S. Bank for -. I do not have a interest beaRING account with this bank. Neither have I ever. I had a mortgage loan with them in which I sold the property in -/-/2015. Mortgage account - was closed in court on -/-/2015. I have never any account other than a mortgage. This - - is for interest income. I '' ve tried calling to no avail. I am -.. I do not want to have to pay somebody to do taxes because the IRS didnt get the - dollars they are owed on this money. I did n't receive it I not paying taxes on it. If I have to I will report to the IRS b... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 21, 2016 - I paid off the first mortgage loan on -/-/16 to US Bank Home Mortgage. I am owed escrow actual funds in the amount of $1500.00. I have contacted the bank on several occasions without any success. The staff states that a check was sent to us and it was returned to them as undeliverable. We did not received a check. Then the staff states that they need approval from - to reissue another check. To date, he has not responded to his staff emails.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account September 27, 2016 - i am filing a complaint against u s bank home mortgage.took - and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from - to - as a result of this. and yet they now as of we finalized it all in - of this yr and they marked that payment late on my credit. when - paymen... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 14, 2016 - On - -, - a facially complete packet was sent to US Bank via email to -- with the following information : 1. Uniform Borrower Assistance Form 2. Authorization for the release of information 3. - 4. Detailed monthly budget 5. Letter of employment 6. Compensation package for new employer 7. Payroll schedule to show when the client was being first paid 8. Basic rental agreement 9. Proof of rental income 10. Contract work paystubs to show income received to date 11. 2 months of all bank accounts 12. Information about the Homeowner 's Association 13. Signed -/-/- federal ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 8, 2016 - US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank has disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many millions of mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure August 23, 2016 - U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in -2014. Would like to know why it is taking so long to foreclose on this property.... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account August 12, 2016 - Our mortgage is with US Bank. A bank that has no local branches in our area. they encourage paperless billing to reduce waste and have a more protected transaction. Our payment is due on the - of the month and late after the -. Initially if you set up an online payment that was processed between the - of the month and the - they charged a $3.00 bank service fee. Now they are charging $5.00 for any online payment after the - of the month. As far as I know, these fees were not made aware to us when we received our mortgage and is it proper for them to charge a fee to pay your ... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 1, 2016 - US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw $390.00 application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything f... |
U.S. Bancorp Mortgage settlement process and costs July 15, 2016 - US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure June 17, 2016 - On -/-/16, I received documents from US Bank dated -/-/16 stating I was approved for a deed in lieu if I complete the agreement. On - -, 2016, my security alarm was sounded due someone broke into my home. The - locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to - back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, - - was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. Wh... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account May 28, 2016 - My husband and I took a - mortgage loan with US Bank back in 2006. This loan was for $25000.00. We have made monthly payments since then of $250.00 per month. We have not missed one single payment. We have paid 120 payments since then, never late. The total amount we have paid so far is $30000.00. Our principal balance on the loan has only decreased $1600.00. That means US Bank has pocketed $28000.00 and we still owe them an additional $23000.00 plus interest. The interest rate of this loan has always been 11.7 percent and they tell me they are unable to offer me any lower inter... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure May 11, 2016 - Property sits on unstable ground and has become un-livable due to shifting of foundation. Owner abandoned property as of -/-/2013. Owner filed for bankruptcy and Quit claimed the property to US Bank. Currently the property has accumulated unpaid HOA assessments of $4900.00. Property is now a blight in the HOA community with no action by mortgage holder. ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure May 9, 2016 - I am the - for -. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in - -, -. This property is located at - - -, - NC -. I wrote U.S. Bank Home Mortgage regarding this property on - -, -. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to - - -. The - dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until - -, - to pay the - dues/assessments without a l... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure May 5, 2016 - I am the President of - - -, - - - -, - OR -. - - was abandoned by the owner and she stopped paying assessments to - - effective - - which now total almost $10000.00. The lender secured the unit and filed a Notice of Foreclosure on - -, - but has failed to complete the foreclosure. ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure May 3, 2016 - The property located at - - - in -, IN - has been in foreclosure for well over 1 year. The property has not been maintained by anyone. Windows are broken, there are holes in the siding, the fence is falling down, there are multiple dead trees, and all the neighbors have to chip in to keep the yard mowed and the weeds at bay. The result has been a significant eye sore in neighborhood that has resulted in people leaving the neighborhood, and difficulty in attracting new home buyers. The HOA fees have not been paid in several years and this property has become a large burden on the... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 27, 2016 - I was offered a HAMP T2 modification -/-/-. My trial payements due -/-/-, -/-/-, -/-/- in the amount of $210.00 with interest rate of 3.375 - 30yr term. All payments were made up until -/-/2015. I was told that I had completed all of the trial payments, when the lender stated that I needed flood insurance. I paid $380.00 for flood insurance and faxed the documents to my lender. They later stated that I did not comply with sending a notice to borrower disclosure which was faxed with my proof of insurance. I have now reapplied however, the new offer is not affordable. T... |
U.S. Bancorp Mortgage settlement process and costs April 21, 2016 - My wife and I obtained a construction to permanent mortgage loan through a loan officer at US Bank in early 2014, to provide financing for a custom home we were having built. We closed on the transaction on - -, 2014. The department within US Bank that handles the disbursement of draw requests to the contractor allowed for the contractor to obtain funds well beyond the completion of the home. The bank was provided progress inspections by - -, a party of THEIR choosing, which identified with photographs and completion percentages that the basement of the home had very little work co... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 14, 2016 - The bank foreclosed and now ALL contents from the home have been placed on the driveway since Tuesday -/-/16 ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 3, 2016 - On - -, - I sent a " Qualified Written Request '' to US Bank Mortgage requesting my loan origination documents. The request specified my loan application, right to cancel, deed of trust, balloon mortgage, mortgage note, truth in lending, good faith estimate, appraisal ( including comparable properties used to arrive at value for loan and all required disclosures. ) I also requested these documents be legible and all original documents copied in their entirety. Plus a copy of the payment history of the loan including all payments made, all fees incurred and how payments were applied fo... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure March 9, 2016 - Sent - paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding - and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increas... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account February 17, 2016 - I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ - a year good faith principal reduction. ... |
U.S. Bancorp Mortgage settlement process and costs January 25, 2016 - In - of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank. ... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure December 17, 2015 - I have several issues with US Bank Mortgage. In -/-/- I refinanced my home with a - mortgage of $100000.00 on a fixed rate 15 yr. balloon mortgage and a - mortgage that was - % of the value of my home. The amount of that mortgage was $25000.00. I was injured in -/-/- on the job and called US Bank for help. I was having trouble getting paying my mortgage paid. I was told that I did n't have a mortgage it was a signature loan and they could n't help me. I kept everything current and in -/-/- I paid off the - mortgage with a buyout package from my employer. I was of... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 28, 2015 - The Complainant and his wife have a HAMP mortgage with U.S. Bank Home Mortgage. The mortgage trial period plan effective date is -/-/-. The Complainant has timely made all monthly mortgage payments. The Complainant has never been delinquent. In response to a letter from U.S. Bank Home Mortgage that was dated -/-/-, the Complainant mailed to U.S. Bank Home Mortgage ( via USPS certified mail ) a signed Dodd-Frank Certification. The Complainant also requested in his cover letter that his loan be re-amortized. U.S. Bank Home Mortgage received the signed Dodd-Frank Certification and reque... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure November 25, 2015 - In -/-/- my loan had a balloon payment due. In - - to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this - off. It is now - have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring lo... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure November 18, 2015 - I am a REALTOR. I help clients with short sales. In the past we had to have the escrow company prepare a HUD1 to submit with Purchase and Sale to short sale lender. With the new regulation, escrow can no longer prepare the HUD1. I have a short sale offer in place with lender and they will not move it forward to review without a HUD1. They say they are aware of the regulation but they still require HUD1. We have given them the SELLERS 'S ESTIMATED SETTLEMENT STATEMENT but I am told that will not work. This is the first short sale that I have done since the change, not sure if other lenders are ... |
U.S. Bancorp Mortgage loan servicing, payments, escrow account November 2, 2015 - I have a construction loan with US Bank and I made my - mortgage payment over the phone on -/-/15 ; the agent who processed the payment told me at the time he went over the payment amount due that the late fee assessed on the account was waived and he was not collecting it and that the $11.00 fee to pay over the phone was waived as well and he was not collecting. Today - I received a letter from US Bank stating that my - payment has not been received yet, although funds were deducted from my account on -/-/15. I called the construction loan department and after 1 hour on... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure September 13, 2015 - - usbank did not pay all my insurance and I lost my 1 % deductible which I was grandfathered in in Louisiana. Cost me $ for their neglect. I then had to entered into loan modification. - they required $3200.00 by -/-/- which I paid and my note would be @ $500.00 a month with @ 2 % interest. Nothing till I filed a complaint w cfpb. Then within two weeks I was offered another loan modification -, I paid my - note and I tried to pay - note which they refused because they sold my property. They recended the sale and said I did not comply and said I failed and wanted the res... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 2, 2015 - In -/-/- i purchased a home with a co borrower. The agent of the - loan in -/-/- told me my coborrower could not sale or borrow without my permission. In -/-/- my coborrower took out a loan without my knowledge and/or permission. The agent for the - loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. ... |
U.S. Bancorp Mortgage credit decision / underwriting July 15, 2015 - two years ago i bought a piece of property to build my house and I got it staked out septic designed and acquired the permit. A year and a half age I was rear ended in a car accident and could not work for a year because I did not get the medical attention that i am owed. The affordable care act was passed and approved by the supreme court so the quality of our lives would not be reduced. Because of the gap in income it is almost impossible to get a loan as well as now being forced to work a forty hour a week job and have to build it on the side while homeless because of ongoing issues that th... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure June 19, 2015 - I got hurt at work and took a 60 % pay cut. I had a 9 % loan on the house that I could not afford the 9 % after I took the pay cut. I applied for a modification and US Bank said that I qualified for it so in the process of going through multiple surgeries I had to hire a third party to help with the modification which US Bank would NOT coroporate with would n't acknowledge than after months of going back and forth with them they finally gave us a point person to work with. The point person said that they were going to include the back and future property taxes and had told me to hold off on pa... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 29, 2015 - I recently applied for a pre-approval for a home loan with U.S. Bank as a - time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a - which was way lower than the - I had pulled from all three bureaus. When I asked to see a copy of t... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure May 19, 2015 - Loan modification/loss mitigation options are denied because lender states they have not received the requested documents. The requested documents were repeatedly submitted. The last date consumer submitted the documents to lender was - -, 2015. Additionally, lender repeatedly asked for letter from former employer stating consumer is no longer employed despite having a letter from the consumer stating she is no longer an employee of the company and a Notice of Separation from Consumer 's state 's -. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 13, 2015 - I applied for a Affordable Modification Program on - - / - my Mortgage - named : U.S. Home Mortgage Bank ( my Relationship Manager is, - - ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 27, 2015 - Applied for a loan modification and was denied for insufficient income and denial letter did not state what income they used for the basis of denial. Called US Bank and spoke with the single point of contact - - and asked her what income was used for the basis of denial and she said she could not give me that information and that loss mitigation handles those numbers and we are not allowed to contact them. I explained that I needed that information to determine if I should appeal the denial and provide proof of error. She said I needed to appeal denial to get the income they used. I expl... |
U.S. Bancorp Mortgage settlement process and costs April 14, 2015 - I obtained a construction loan using - - and - - as my loan officers at US Bank. When I went to signing at - title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with - about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. Since then I have contacted he and - several times about this issue via phone and email. When I contacted - via the phon... |
U.S. Bancorp Mortgage loan modification,collection,foreclosure April 13, 2015 - I am writing to forcefully complain about the service I have received and the unprofessional manner in which I have been treated in regards to a US Bank H.A.R.P process/application. I initially applied for help using the HARP program back in - of 2014. At that time I filled out the application and over the course of the next couple of weeks or so I supplied all the necessary bank account statements, receipts and tax forms they requested. The only communication I would receive was intermittent emails from a customer service rep. When I would try and call I would only get her voice mail. Then... |