Mortgage -- Struggling to pay mortgage -- Complaint #4582427
Complaint Overview
Complaint ID: 4582427
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2021-07-28T12:00:00-05:00
Date Sent to Company: 2021-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
We, the owners & occupiers, are age XXXX and XXXX, and both U.S. veterans. The mortgage holder is XXXX w/ mortgage being serviced thru US Bank . Whenever we contact the proper division of this bank, we stymied by no answers, no action ( many times ), conflicting info. We are an FHA mortgage, but are told yes, no, yes, no from US Bank. Then, on active applications for assistance, we received letters of approved forebearances, yet at the same time receive threating notices and actual lawsuits filed against us in XX/XX/XXXX for foreclosure. We do everything by the rules, Act 90 ( PA ), forebearance applications, constant contact w/ all proper " personal Bank counselors '' & still we feel we are in " limbo '' On 4 occasions, US Bank could not find our account #, and access is denied when we go on line. We sit here under our doctor 's care with leftover sickness of having XXXX from XX/XX/XXXX, and basically XXXX with XXXX, XXXX, XXXX, XXXX XXXX. We can not move to a retirement homes that have no protection from virus and its Delta variant and others even having had our vaccines. We lost a major portion of our monthly income due to customers not paying what they owe us, citing loss of jobs and income themselves since XXXX. US Bank should have a main address to correspond with, but they have several with personnel having to re-route or delay replie that do not come. At one point, they had a malfunctioning appraiser come to our property, but wound up according to the 8x10 photos*, appraising the neighbor 's garage AT {$150000.00}. Thus, they think our home independently appraised in XXXX at {$400000.00} and with actual costs of $ XXXX when built ( every receipt/contract available ) is worth 60 % less than appraised and 77 % less than cost. We lived here more than 20 years here, and have no other living arrangements that will accommodate our age and physical condition. In fact, we were of the believe that there was such insurance from FHA to work out a fair agreement. *photos in both Bank and our possession
Frequently Asked Questions
What is Complaint #4582427 about?
Complaint #4582427 was filed against U.S. Bancorp regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-07-28T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.