Mortgage -- Trouble during payment process -- Complaint #6257822
Complaint Overview
Complaint ID: 6257822
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
State: Ohio
ZIP Code: 45040
Date Received: 2022-11-29T12:00:00-05:00
Date Sent to Company: 2022-11-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We had a XXXX XXXX XXXX XXXX XX/XX/XXXX. We reaffirmed the 1st mortgage ( XXXX XXXX ) and included the 2nd mortgage ( US Bank ). Case # XXXX On XX/XX/XXXX we received a Notice of Foreclosure from Attorneys for US Bank The XXXX Case # XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ). We have an attorney assisting : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH. XXXX T. ( XXXX ) XXXX EMAIL XXXX We have the ability to pay the balance of the 2nd mortgage ( approximately {$85000.00} ) and have attempted to ger a payoff from US Bank. This has been going on since XX/XX/XXXX We also have been approved for a cash out mortgage to pay the US Bank XXXX. We informed our Loan Officer, ( XXXX XXXX XXXX # XXXX ) of all of this before we made our application. He assured us he had discussed our situation with a US Bank underwriter and that there would be no problem. However, it became apparent he did not discuss our situation with and underwriter and we were told it was declined because US Bank had filed the foreclosure. XXXX # XXXX We have had no success getting a contact to get this to a resolution. We have contacted the Consumer Loan Dept. They service the HELOCs, as well as loss mitigation. The contacts we have made will not supply a phone extension nor last name. We requested " Assistance '' and were given a link that required us to complete a Credit Application. We submitted this an 14 days later received a packet with a request to complete the application we had just completed. The bank has a full Residential Mortgage Application with an appraisal ( XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX ) - Mortgage Application # XXXX We were assigned a Case Manager, XXXX XXXX ( XXXX ext. XXXX ) on Friday XX/XX/XXXX ). We have called 4 to 5 times per day on Friday XX/XX/XXXX, Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. The case Manager has never answered and we are told that " anyone can assist us. '' None have been able to and eventually we are transferred to " Customer Service '' who then transfers us back to Loss Mitigation.
Frequently Asked Questions
What is Complaint #6257822 about?
Complaint #6257822 was filed against U.S. Bancorp regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-11-29T12:00:00-05:00.
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.