Mortgage -- Struggling to pay mortgage -- Complaint #4889028
Complaint Overview
Complaint ID: 4889028
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Arizona
ZIP Code: 85207
Date Received: 2021-11-08T12:00:00-05:00
Date Sent to Company: 2021-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have my mortgage with US Bank, last year I reached out to them since I was on unemployment during COVID. They placed me on deferment and any payments deferred would go to the end of my loan. I contacted them in XXXX asking to be removed from deferment since I had returned to work full time. I was told that my payments would resume the first of XXXX. I received a letter the end of XXXX informing me that my deferment had been extended 3 more months. I did not want them extended. I contacted XXXX XXXX and informed this to the representative who informed me she would note that I did not want to be placed in deferment and have someone reach out to me. No one reached out to me. Then after yet another 3 months of being in deferment, my payments were to resume XXXX. I get yet ANOTHER letter informing me that my deferment has been extended yet ANOTHER 3 months. I filed a complaint with the CEOs office and had a VP of operations contact me and he apologized stating that they dropped the ball and were not expecting all the deferments that they had due to COVID. He stated he would escalate my case and have someone reach out to me. No one reached out to me. I finally after 63 people that I spoke to and know one was willing to assist me, a representative got the information from me and I FINALLY received a letter that I was out of deferment and my payment would automatically resume in XXXX and be automatically withdrawn from my account. Here is is XX/XX/XXXX and my house payment STILL has not been taken out of my account. I have been on hold for 93 minutes with no resolution. I received a letter recently, before the letter regarding me coming out of my deferment, that I was the one that requested the extension. THIS IS A FLAT OUT LIE and anyone looking into my account can see how many times I have called to try and resolve this. I need help with this matter, I do not know who to turn to, no one is willing to help me and I XXXX not know what to do.
Frequently Asked Questions
What is Complaint #4889028 about?
Complaint #4889028 was filed against U.S. Bancorp regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-11-08T12:00:00-05:00.
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.