Mortgage -- Trouble during payment process -- Complaint #6591266
Complaint Overview
Complaint ID: 6591266
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: Ohio
ZIP Code: 43040
Date Received: 2023-02-19T12:00:00-05:00
Date Sent to Company: 2023-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, we applied to have a loan modification due to not being able to afford the mortgage. The loan modification was approved and we signed paperwork for HUD to apply {$24000.00}. The loan amount was {$110000.00} to start XX/XX/XXXX. This would make the payoff XXXX in XX/XX/XXXX. I have made all my payments since this time, and I am in process of refinancing my loan. US Bank is attempting to add a different HUD amount to my US Bank balance bringing my payoff XX/XX/XXXX to {$130000.00}. The error amount is {$14000.00} US Bank is not providing a payment history ledger showing how my payments have been applied. My current balance on their website is {$93000.00}. They are attempting to increase my current balance {$14000.00}. There is no way my current loan should be the same as I purchased the house for in XXXX. It appears US Bank misfiled the HUD amount and they are attempting to correct it to {$24000.00} from the {$14000.00}. In addition, they are wanting to add this to my balance, which is XXXX % not correct. I am requesting US Bank to provide all documents of the proper HUD amount and ledger of my transactions from the time they assumed my loan from XXXX bank to the loan modification and after.
Frequently Asked Questions
What is Complaint #6591266 about?
Complaint #6591266 was filed against U.S. Bancorp regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-02-19T12:00:00-05:00.
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.