Mortgage -- Struggling to pay mortgage -- Complaint #4948526
Complaint Overview
Complaint ID: 4948526
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
State: Arizona
ZIP Code: 85206
Date Received: 2021-11-25T12:00:00-05:00
Date Sent to Company: 2021-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I have a mortgage with US BANK. I exhausted my covid mortgage forbearance on XX/XX/2021. I started contacting the mortgage company in the middle of XXXX around the XXXX of 2021 to see what covid exit forbearance programs I qualified for. I was informed I qualified for XXXX types of exit programs they offered. I selected the " Partial claim with XXXX XXXX '' program as this option best suited my situation. I accepted the terms and conditions via telephone with customer service and was told they would send me the loan modification application packet with the agreed upon terms and conditions for me to accept, notarize and mail back. Since then I have followed up with them every 2 weeks to confirm status of my application. Every time I call back they seem to not have a clue as to what I am referring to. They continue to close my application WITH NO NOTICE OR REASON GIVEN TO ME VIA MAIL, PHONE OR EMAIL. Every time I call back they are not able to give me a reason or explanation. So they have me reapply and go through the same process each time. This has happened to me 4 times already as of XX/XX/2021. The mortgage company is US BANK. The number I call for mortgage customer service is ( XXXX XXXX XXXX ) The most recent phone call was on XX/XX/XXXX. I called ( XXXX XXXX XXXX XXXX ) which is suppose to be a direct mortgage relationship phone number. I have been very stressed and am sincerely doing everything right to ensure I do not lose my home my resuming payment. There careless actions suggest this negligence is being done purposely. Today XX/XX/XXXX I received a letter of default mentioning next step is foreclosure. = (
Frequently Asked Questions
What is Complaint #4948526 about?
Complaint #4948526 was filed against U.S. Bancorp regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-11-25T12:00:00-05:00.
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.