Mortgage -- Struggling to pay mortgage -- Complaint #5063853
Complaint Overview
Complaint ID: 5063853
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
State: California
ZIP Code: 91942
Date Received: 2022-01-01T12:00:00-05:00
Date Sent to Company: 2022-01-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons
Frequently Asked Questions
What is Complaint #5063853 about?
Complaint #5063853 was filed against U.S. Bancorp regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-01-01T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.