US Bank

by Marcia Kennedy From Columbus, OH on January 05, 2012

I sent all my paperwork June, it took them more than 6 months to review my loan modification. I called every week hoping to hear something, nothing. I am almost 50 years old and now I have to look into gettin a second job just so I can stay in my home. They do not help like they are suppose to.

by Anonymous From Littleton, CO on December 21, 2011

I sent in my application July 19th. Responded immediately to any request for information. It is December 20, 2011. Still waiting...........This is so painful.

by Brandi From Fortville, IN on November 18, 2011

When I became pregnant, my husband and I applied for modification due to me going on unpaid maternity leave for 12 weeks; we contacted them when I was 4 months pregnant (March 2011); they asked us to submit our modification paperwork several times and then told us to wait for them to process. Then I went on maternity leave; called several times to be sure they were working on it, was told pay stubs were beyond 60 days and we need to send them updated ones. Since I was on leave, my pay stubs say I was paid $0. They said no worries, just send us new pay stubs when you are back from leave. Got back to work on Sept 21, 2011. Called US bank on the 22nd, said I have until the 29th to submit the new paperwork or house will be sold on Oct 6th. (This whole time, they would not allow payments while we are in modification -- in the meantime, they put you in foreclosure "just in case" it doesn't work out -- backwards). Anyway - emailed paperwork to a specific person and received response from her on the 27th that all was received, she is giving paperwork to underwriting -- allow 30 days. We call, on occasion, they say our paperwork has not yet been reviewed. On November 14th, we receive EVICTION notice from county sheriff. Immediately call US Bank -- told our paper work not received in time. I tell them I have emailed PROOF that so-and-so received it. They say does not matter, they can only guarantee FAXED documents are received?! Get passed off to many employees until we get to the guy who actually sold our home on Oct 6th. He looks into our files and says yes he sold the house -- but wait -- I see that as of 10/16, your modification is under review -- AFTER THEY SOLD THE HOUSE. He agrees this is fishy; says he will try to get to the bottom of it. The eviction, by the way, is for Thanksgiving day. The US Bank house seller guy says don't worry about that, for now we have until 12/15 so he can see what's up. Still waiting to hear from him; called every day this week and he claims he cannot get ahold of anyone who can give an answer; yesterday said he involved his supervisor. He says, "worst case scenario" if we do, indeed, have to move that he will pay us $1000 if we completely empty the house of belongings because that will "save him the hassle" of hiring someone to do so. WHAT?! All we want to do is stay in our house -- we have a newborn -- this is our HOME, and you think $1000 is going to make it better?! I am almost just tired of working with them; getting trouble at my work for being on the phone with them so much....if we can walk away, not "owing" them anything then FINE...take the house. There is no way we can pay you the (now) 9 months behind mortgage PLUS the exponential lawyers fees they tack on. They make it impossible to pay them back. We are so stressed out, we've been trying not to get mad at each other for this whole ordeal, but it is definitely putting a strain on our marriage. WHAT CAN BE DONE?!

by Alicia From Hobbs, IN on November 16, 2011

DO NOT GET A MORTGAGE WITH THIS PIECE OF CRAP BANK! THEY WILL STICK IT TO YOU IN ABSOLUTELY EVERY WAY POSSIBLE!

by Nancy D Martin From Atlantic City, NJ on October 17, 2011

by Anonymous From Texarkana, AR on October 13, 2011

THIS BANK IS THE WORLD'S WORST MORTGAGE COMPANY ON THE PLANET !!

by Anonymous From Sedro Woolley, WA on October 11, 2011

Ready to take my money somewhere else.....

by Domingo Rivera From Crestview, FL on September 07, 2011

Mortgage company has been extremely understanding and patient.

by Sarah Lak From Mount Holly, NC on August 25, 2011

by Desperate in St.Charles Missouri From Saint Charles, MO on August 12, 2011

I applied for HAMP at least 2 years ago. I finally was sent papers about a trial payment for 3 months. Now after completing the 3 month trial payment and also a 4th. They tell me they will not accept any more partial payment and to catch up in full and the amount is over 4 times the measly $60 discount. I was told they are foreclosing on my home of 45 years. This bank should be sued by the federal government for consumer fraud and be required to make full restitution and return the customers homes. They are criminals.

by Anonymous From Carterville, IL on August 10, 2011

by dion From Andover, MN on July 19, 2011

Poor memory and head trauma a very disabled person who worked 2 jobs for 34 years. My son discovered after I closed you got #$^&! by US mortgage and the Real Estate agents. You cannot afford this mortgage he was right. Right off the bat my son supplemented my payments for 2 years. I can afford $700 month very comfortably. My son paid $315 a month(31%) US Bank is next to impossible to modify loans which becomes more than affordable forever

by Jim Mettler From Long Beach, CA on July 16, 2011

A rep from US Bank Home Mortgage told me the only way to "get noticed" for a modification was to let my mortgage loan account go into default status. I was in default already, and had submitted a loan modification workout proposal that conformed completely with their requirements for documents, all the research, comparables, ratios, you name it. They never looked at it, and kept saying "we're swamped, give us a few more weeks." Before I knew it, my loan was in foreclosure, and nothing I did mattered after that. I even requested my original loan documents to have US Bank prove they held interest in my loan (they were not the originating lender) and they never responded to my request (a federal offense, by the way). They knew I could never afford to pursue them in court. They bought the property back to themselves at public auction, and resold the property to some lucky dog for 55% less than what I paid for it, and all the work I'd done on the place can't even put a price on that. If they had approved my loan mod, they'd be receiving $600 more per month than they are now from the new owner. I feel as if my home was stolen from me, and US Bank is a corporate thief. The bank never intended to work with me, and lied to me from the beginning. I have been robbed of my home, my money, my savings, and most of my belief that if you work hard, you can have a piece of the American pie. That pie no longer exists for us. We've been sold down the river, and banks are laughing at us, and all the way back to their own front doors. We've been had, America.

by sharon From San Jose, CA on July 08, 2011

US Bank bought out my mortgage which was originated by Downey Savings (and never had a problem with Downey or any of it's staff. Now my mortgage has turned into a nightmare and they refuse to work with me or assist me. The only assistance I got was with a local bank staff person who got IN TROUBLE for trying to help me from the bank manager. My story - my dad took out the mortgage in his name for me because I could not qualify. He passed away suddenly and unexpectedly after which a family member tried to steal the property when it should have automatically been passed to my mom. After a couple of years in court the property was directed to go to my mom as it would have. shortly after my mom began to work on her trust in which she was both working on the deed transfers both into her name and then to the trust. During the years of litigation we could not anything with the mortgage until the courts ruled in our favor. Shortly after all of this my mom passed suddenly. I had been making the payments form the beginning and most all directly in the bank for a few years now. I walk in, give them the account number and ask them to validate the amount due and I pay it. I was told that my payment was due on the 16th every month and since I pay it at US Bank itself so that I know it goes in and I can walk away with a receipt I have never worried. When I showed my receipts proving I had paid on time the teller called the mortgage dept trying to help me sort it out because he did not understand why they were late either - apparently if you pay on the west coast, even at the bank itself, my payment is late if posted after 2:30 PM! Thesis is why they are trying to bill me for late charges. Do they not count the money deposited in the bank as an asset for the day if it is deposited that day? Do they leave the money that I withdraw from the account I withdraw from (also US Bank) in my account for the day because it is after 2:30? They can't have t both ways - is that not a form of floating funds to your advantage which (from my recollection as a finance major) would be illegal? Recently I was housecleaning and sorting - fling paperwork. I noticed that the required payment was higher than I had been paying on a recent document so I checked it out and it was a late fee. Then I looked carefully at all the US Bank mortgage statements and discovered that there were 3 late payments AS WELL as a $3500 fee that had been added on to our mortgage!! I still am not sure but a guessing that they charged this fee when they converted out loan and didn't tell us but just slipped it into a statement. They also charged a late fee because they decided to make my payment due on the "12th" one month! Really! All this times live in the bank and they looked up account never seeing there was any kind of problem. When I called they refused to talk to me even though I had the account number and had every piece of info plus death certificates and tried to explain that my father had passed. A while back they assured me that I was OK making the payments. They were HORRIBLY rude and I would never use them or suggest that anyone use them. they are totally not sympathetic and silent thieves. They seem to be very anxious to foreclose my property. I am contacting some attorneys that specialize in class action suits and will be filing against US Bank. If you have a similar experience please post.

by Catherine Burns From Little Rock, AR on July 07, 2011

by mark scarpelli From Spokane, WA on July 06, 2011

by K.G. From Middleburg, FL on June 28, 2011

I must say this is one of the most terrible banks I have ever had my mortgage with. I don't know how they can still be in business treating clients like they treat us. US Bank Home Mortgage is so rude! I hope someday that they too sell my mortgage to another bank that would take better care of there people! US Bank YOU SUCK!!!

by David L. From Winter Park, FL on June 24, 2011

US BANK after over 1 year and 7 months working on a short sale and after sending all documents (some of them lost by US bank) and not been able to work with, I have decided to let the property go into foreclosure. It is frustrating to deal with this Bank unfortunately they don't give there clients any choice.

by Anonymous From Altadena, CA on June 23, 2011

by Anonymous From Oakfield, WI on June 16, 2011

Every time I call US Bank I am constantly told that they are trying to help people to stay in their homes. I want to stay in my home and just need a way to get back on track with my payments. I sent in money to them the end of February to get the mortgage caught up to only 2 months behind. They returned the payment because it was not received by them until 3/2. If they really want to work with people to stay in their homes, they should have kept that payment and it should not take over 6 months to come up with a work out package.

by Anonymous From Lehigh Acres, FL on May 19, 2011

US Bank after over one year working on a short sale and lost paperwork now advise they do not do short sales on investment property. 5/19/11

by danielle chandler From Tucson, AZ on May 06, 2011

by Toshia Patrick From Indianapolis, IN on April 29, 2011

by Terry Milliner From Cambridge, OH on April 18, 2011

by Anonymous From Harvey, LA on April 12, 2011

I did everything they requested,and faxed documents timely and was told they had not received them with foreclosure notice. Unable to speak with the loss mitigation representative who was supposed to be helping us,instead we have accrued fees the brought us further behind and then they would not accept payments through the process.

by Anonymous from Tigard Oregon From Portland, OR on April 07, 2011

The CEO and people running US bank have their heads someplace very strange. I tried every week for over two years to try and save my house. I have a secure job and they did offer me a modification but it was not something I could afford. They base it on a high percentage of your gross income which is ridiculous. I am a single mom with medical bills up the wazoo. The bank wants people to behave in a fiscally irresponsible manner, (going further into debt so they can make even more money.) They will not help people in a reasonable manner that really will help. They just want to dig you into deeper debt that you still can't afford. They could easily give people loans that are affordable and still make ridiculous amounts of money but they will not. Jerks and mercenaries. I hope they get the karma coming to them.

by Denise Wayand From New Port Richey, FL on April 05, 2011

by david knowles From Columbia, TN on April 02, 2011

by APRIL WASHINGTON From Baton Rouge, LA on March 31, 2011

by WI Resident From Oak Creek, WI on March 21, 2011

Very helpful in the Wisconsin office. Willing to help all who call, if they are able to help per Investors/Insurers.

by Eduardo Aponte From Fords, NJ on March 14, 2011

by Anonymous From Midland, MI on February 14, 2011

Horrible to try to work with, beyond obnoxious on the phone.

by stacey lowther From Menasha, WI on January 28, 2011

they won't work with you on trying to save your house. We've tried several times to do so and they won't.

by Nguyen From Mankato, MN on January 03, 2011

I tried to refinance my mortgage with US BANK. It is the worst bank.

by brett bellinger From Lafayette, IN on December 31, 2010

by Anonymous From Fitchburg, MA on December 30, 2010

This bank is a joke, I recently fell behind 2 months on mortgage due to hardship. they told me to file the appropriate forms and i could do a modification but until they had them I could not make a payment and my credit would continue show as late. I faxed them all info and was told it takes up to 30 days. in 30 days i got a letter saying i was denied cause they never got the fax, so I repeated it. 30 more days and same thing. i was told that since they are getting so many loan modification requests sometimes info get back logged/ lost. they requested certified mail and again same thing, now at this point i was in the foreclosure process. the second certified mail they finally got. so now its been 6 months and finally i think they are going to help me.. NOPE that wasn't the case. i got my packet in the mail. they lowered my rate from 6 to 5.25 since they are so nice, but then they raised my principle 11,000 dollars for capitalized interest from the 6 payment i missed/ they wouldn't take. so my payment went down only 30 dollars and now I'm more upside down so cant sell. plus they originally told me the 6 payments i missed would go to back end of loan which was fine, i missed them so i could accept that. but what they did was start my loan all over again. so the 16 payments i have made became null and void, so that is now 22 extra payments i have to make on end.. and they charged 600 for this amazing service. I keep trying to talk to them over the phone and they are the rudest people that pretty much laugh at your circumstance on the phone.. please don't ever use this bank.. its a nightmare

by Season Hollaway From Missoula, MT on December 27, 2010

by OAKLAND TOWNSHIP RESIDENT From Rochester, MI on December 09, 2010

ME AND MY WIFE recently APPLIED FOR A REFINANCE OF OUR CURRENT MORTGAGE. BOTH HAVE CREDIT SCORES IN THE UPPER 700'S. WAS TOLD OUR HOME WAS UNIQUE AND COULD NOT FIND A Comparable HOME IN AREA. SINCE THAN TRIED ANOTHER BANK AND SAME Situation. WANTED TO REFINANCE TO PAY OFF CREDIT Cards. NOW WE CANT EVEN GET 0% INTEREST CARD TO TRANSFER CREDIT CARD Balances. TO MANY HITS ON OUR Credit REPORT FOT TRYING TO GET RE-MORTGAGED IN LAST SIX Months. STAY CLEAR OF U.S. BANK AND QUICKEN Loans. THEY WILL JUST TAKE YOUR MONEY AND SCREW UP YOUR CREDIT.

by Anonymous From Cincinnati, OH on December 06, 2010

This: US bank is a joke!!! i love how the US BANK EMPLOYEE SAYS THEY SERVICE A BILLION LOANS BUT ARE ONLY OPEN UNTIL 4:30 pm!! WHAT A JOKE! it took me 9 months to get my mod to finally go through but after 4 months of trial payments, they decided i was denied . Why? because they said so ...my mortgage was sold to this company, i definitely did not choose this. i have been doing research online on banks, because i will not go through this ever again, AND NO BANK GETS AS BAD REVIEWS AS US BANK- NONE OF THEM.... there are thousands of website designed to post how awful us bank mortgage is.....i agree with everyone on here to, the employees are so rude, and very short with you. make sure you get their names and write the ceo like i do!! someone has to put this to an end!

by Anonymous From Milwaukee, WI on December 06, 2010

by john hayes iv From Indianapolis, IN on November 14, 2010

by Anonymous From Waukesha, WI on November 13, 2010

by Anonymous From Milwaukee, WI on November 12, 2010

I have been trying to get a loan modification since April and have been told numerous times that it would be just two more months, another 90 days.....and still nothing. My home was recently in foreclosure, with help from a family member I paid the amount past due including attorney's fees. I was told to OVERPAY BY $1,100 dollars! I have yet to receive this money back and it's been three weeks. US Bank uses "modifications" as a stall tactic to foreclose on home owners. Then they make home owners pay far over the amount in which they owe to reinstate their loan. So, still waiting for my "modification" and the $1,100.00 in which they forced me to overpay to reinstate my mortgage. Extortion anyone? As for the customer service, well there is none. You wait on hold at least 30 mins just to speak to someone and that person is usually rude, unknowable, uncaring and a general waste of good air. I have spoken to a few decent people and to them I say thank you. I have kept excellent records since this has all started including, names, dates and conversations. And I will be writing a detailed letter to the BBB, my senator, my local news consumer advocate, and the president of U.S. Bank. The FDIC and the government needs to take a long hard look into U.S. Bank Home Mortgage and there "modification" and foreclosure practices. I think if they did, U.S. Bank Home Mortgage would cease to exist.

by RJ From Maryville, MO on November 10, 2010

I have them on tape lying not once but several times, no call backs, needing the same info over and over. I document everything and I am ready to turn over to whatever network news station all the proof I have of their decaptive practices to the FDIC, FTC, FBI for fraudulent practices, taking property by false statements and manipulation. CHEATING. The entire organization should be shut, the CEOs jailed, the employees unemployed and not allowed to work in the banking industry ever again. I say give them what they are giving out, put them down, kick them real good while they are there and keep them there. You bleeding hearts that work there can't have a conscience and still work there. If you did you wouldn't, that simple. Corruption and greed, may your ruin be soon and God curse everyone of you unless you change your ways and fast. Now they charge 5 bucks to cash a check or it takes 2 weeks for a check from US Bank to clear my bank, (only have loan) What a sorry bunch of low lives. Yes, some customers are in over their heads but for those that are not, you put them there.

by wilmer Mendez From Cape Coral, FL on November 08, 2010

by frank from miami fl From Miami, FL on October 24, 2010

I'm having a nightmare with this bank at the moment what a bad service horrible.

by Anonymous From Broken Arrow, OK on October 12, 2010

by Annonymous From Killeen, TX on October 04, 2010

I seen a posting that had my name in it... I have never talked to you about my house and have left my home so that my husband can have it.. So don't think that everything written on this website is the truth. Knowing my husband it's probably him playing games..

by Brennon Watts From Pueblo, CO on September 23, 2010

by Anonymous From Seattle, WA on September 22, 2010

We felt that the bank didn't give us help or information about any alternative option when we failed to pay the 3rd month during the trial period of the loan modification process. We offered to pay $2000, short of the $2300 due and they refused to accept it and just kicked us out of the trial program. No other assistance was given except tell us to do the short sale or foreclose. It was very difficult to get in touch with the right person after that, we eventually just gave up trying.

by Lin From Newton, NJ on September 21, 2010

So far I've been switched to 4 people at this point in time I'm waiting for my 3 month trial Packet for November -January 2011 PLEASE Pray for me! THANK YOU ALL! LIN

by Esther Branch-Gill From Jacksonville, FL on September 17, 2010

by Anonymous From Harvey, LA on September 08, 2010

We submitted all information requested by US Bank and because they did look at by the requested time we were put in foreclosure and would have not known if I had not made the constant weekly calls to see if the review process had finished. Needless to say I was shocked,now there is an additional 6500.00 added on to a almost doubled mortgage note.

by Anonymous From Endicott, NY on August 24, 2010

US Bank customer service is an oxymoron. I have been switched to 4 different loan EXPERTS and they start the process over each time. I would not recommend this bank to anyone. They have to be the rudest people in the banking industry. I tried working with this bank in Nov 2009 and here i am in August 2010 and still no resolution to my issues.

by Anonymous From Wichita, KS on August 16, 2010

by Anonymous From Amana, IA on July 24, 2010

when you call them because you are behind they get nasty and tell you they want it now and not willing to work with you.

by MusicLvr From Raleigh, NC on July 10, 2010

I was approved for an FHA-HAMP loan. I had never been late on a mortgage payment in the 4 years since I purchased my home. They wouldn't help me initially while unemployed. I was unemployed almost 16 months. I am making around $20K/year less than I was making. US Bank offered me 4 monthly payments in 2009 of half payments and it ruined my credit. Why didn't they just put those half payments at the end of my new FHA-HAMP loan rather than ruining my credit. The new modification is now back to 30 years. I have only been in my house 4 years as of May 2009. I don't understand if they say they are helping me...why couldn't they put those payments at the end of my loan and not ruin my credit. Please someone help me understand their logic. I was a good customer and now my credit has been ruined.

by Steven Hogue From Battle Creek, MI on July 03, 2010

I applied for the loan modification in October. Whenever I called to check the status of the loan, I would be told it was still being reviewed. I called last week and was told I had already been foreclosed on two months ago!! I never received a determination stating why I was denied the modification, or even that a decision had been made. They stated state law doesn't require them to notify clients of foreclosure.

by Mike P From Jamesburg, NJ on June 21, 2010

I have a credit rating of 831. US bank, for the THIRD time this year, says it didn't receive my check (which I sent with all my other bills). They want me to pay a late fee and interest, which they waived the first time, partially waived the second time, and now won't waive. I need to re-finance to get out of this bogus loan. I haven't paid a bill late in my 30 years of adult life (I'm 48). Scum bags.

by Anonymous From Saint Paul, MN on June 07, 2010

We are struggling to pay our mortgage with us bank and trying to get a modification, we submitted all required documents, we didn't hear from them, we called and spoke to someone who said oh we are waiting for such and such additional document that you need to submit - well how would we have known if we had not called?? then we got a letter please fill out the attached form, guess what - nothing was attached. Customer service is very poor in the default restoration department, i don't think some of the employees even know what they are doing. this is very frustrating!!

by Anonymous From Scott Depot, WV on June 05, 2010

by Anonymous From Columbus, OH on May 25, 2010

I have a second mortgage with US Bank. They charge me 9.875%. That is the good part. I make a payment of $470.00 a month on a 15 year note. Get this 179 payments of $470 and ONE payment of $44,000. The original loan is for $56K!! Now I'm trying to pay the loan off in the next month. I'm sending what I can when I can. Every time I've sent a principal reduction payment They apply it to my next payment first. They fix it after I complain. It takes them 5 days to fix, repeat! I've explained the plan to them and they just don't care. I paid an extra payment ahead just so this would not happen. It did no good. God help us all

by Anonymous From Hampton, VA on May 10, 2010

by employee of us bank From Owensboro, KY on May 07, 2010

i work in default counseling of us bank believe me its not an easy job i feel sorry for the ones who are having problems but the ones who call in and put on hold and say sorry i got a new head set for my new i phone but are 3 payments behind??? id net understand i wish everyone could get help on their mortgage but unfortunately its not up to us its up to government and the investor on ur mortgages i get yelled cussed at everyday believe me if it was up to the banks then we would be able to help everyone yeah we service your loan but don't control the rules and for the ones who did get modifications and complain about system changes not being done everyday why complain??? you got your payment nothing ever makes anyone happy and the ones who call in every single day to hear the same thing why not give time? there are other people out there that are being rvwd for opts we review in order are received just have to be patient which i have noticed that most are not but than if goes into foreclosure its differ and ask why due for so many payments and not making them that why well u cant do that ok than its ok just for u not to make ur payments if i was in this situation i would do what was told and be patent call every now and than to check on the status not every single day don't u think that over whelming? and also the call times are not our fault it might be lower if dent hear farm the same people everyday

by Bob From Las Vegas, NV on May 05, 2010

I HATE that STUPID music that you have to SIT and LISTEN to!!!!!!! OVER AND OVER AND OVER AGAIN. I can HEAR IT IN MY SLEEP!!!! STILL got no help from them

by Anonymous From Owensboro, KY on May 05, 2010

ok first of all us bank did not accept the tarp money did not need the tarp money us bank is a good bank and its government guidelines that have to be followed not the banks they cant control the investors on our loans they cant control what they government puts on their crap modifications no it doesn't work like that and than ppl are very dissatisfied with anything that doesn't go their way i mean y and when banks do help you out theres other things that u complain about so either way it doesn't matter if u get help or not why get a mortgage cant affirm din long run?why not settle for something when u want sumn thats to much or to high just please ur satisfaction and then its the banks fault when u want a lower principal balance what if its the other way around and u want the banks to lower the principal balance and what if the economy came back wild u want the bank to raise it due to the incurs of the value no u wouldn't like that so u need to thank abet other things than just the stuff u want to

by Trinity Estrada From Pomona, CA on May 03, 2010

I feel defrauded by my bank.

by Realtor From Reno, NV on May 01, 2010

TO EVERY ONE OF THE US BANK EMPLOYEE'S WHO HAVE POSTED POSITIVE COMMENTS ON HERE...READ THIS! Your customer service department is horrific to say the least. I am trying to short sale a property and US Bank is 2nd (junior lien). First has approved and offered to give US Bank more than they originally requested in settlement. US Bank is forcing my client to sign a deficiency judgement in order to release the lien. My clients are suffering financially. When I listed their home for short sale, their income was down 40% since they bought home. Then he lost his job. GET THIS! He gets his severance pay of $4,500.00 and US Bank swiped it from his checking account (and no, he was not on auto deduct). They have harassed my clients. Every time I contact "The customer service department" I get a different person who each time who tries to intimidate and play hard ball while reading from their lame stupid script. Gets better....after demanding to speak with a Supervisor/Senior Management...ANYONE other than the yo yo CSR reading text dialogue...I get a Supervisor. But only after I offered to throw one side of my commission in (double sided contract). So now they are getting $11,000 on their $74,000 loan. Supervisor says, "Nope". I say "Well it's going foreclose and you get ZERO" She still says, "NOPE" I say, "What do you guys end up charging this thing off and net more on the charge off?" She says, "We try to avoid that" I say, "Guess what, todays your lucky day US Bank...I'm going to throw in both sides of my commission and Buyer going to give you an extra $5,000. , that's $18,000 for US Bank and if you foreclose ZERO" She says, "Nope". My thought is they are charging off the 2nd. I don't know? What do you think?My distressed Seller will end up with a foreclosure and then have to turn around and file bankruptcy when the 2nd (whether it be US Bank or collection company they sell to) files the deficiency judgement against them after foreclosure takes place. Ultimately, whomever ends up with debt is going to get zero. BECAUSE THE SELLERS ARE INSOLVENT AND CAN'T PAY YOU. THEY WILL FILE BANKRUPTCY WHEN YOU FILE THE DEFICIENCY JUDGEMENT. By the way, my clients did not use this 2nd to go out and buy an RV or pretty boat. They improved their very first "dream" home which they unfortunately bought at the height of market. :( They are losing their home because of the economy which is an emotionally draining, scary thing. US Bank is doing nothing to help distressed Sellers or our distressed market. Another foreclosure hits the market. AND TO THE DING DONG US BANK EMPLOYEE who blamed our past president and war in Iraq for this economy. SHUT YOUR PIE HOLE! And do a little research. When Bush was President, it was our Congress who said EVERYONE should have the privilege of owning a home. Banks were giving loans to people who couldn't get a discover credit card and now they are taking no responsibility for that. Bush didn't force these banks to do this. As a matter of fact he saw this coming and tried to derail the train. IT IS SCARY TIMES PEOPLE!! THERE IS A LOT OF CORRUPT CRAP GOING ON RIGHT NOW!

by Anonymous From Morganville, NJ on April 29, 2010

by Anonymous From Lynn, MA on April 27, 2010

I've been trying to work something out with them, and have been unsuccessful in even getting through to them. I was hoping to work out a modification. Prior to losing my job, my payment record amazing.

by Anonymous From Compton, CA on March 31, 2010

Put in for a loan mod. 1 year ago tried to get it on my own the first time I was DENIED so i hired a lawyer I have been denied 2 more times so now I have tried again US Bank told me it takes up to 16 weeks to review my file for answer

by Daniel Wallace From Bend, OR on March 25, 2010

by Anonymous From Kalamazoo, MI on March 18, 2010

by Angel From New Albany, IN on March 09, 2010

I NEED THE CONTACT INFO FOR THE PERSON THAT COULD HELP ME HAVE MY OFFER CONSIDERED OR EVEN LOOKED AT. I AM HAVING MY REAL ESTATE AGENT FAX AN OFFER ON A HOME THAT IS A Short Sale THROUGH US BANK. A NAME AND EMAIL WOULD BE APPRECIATED!!!! THANKS!! Please send to angel.hinkle@sbcglobal.net

by Z Burkett From Largo, FL on March 09, 2010

I understand totally what it is that you are saying. We all are at a huge MAJOR disadvantage in these negotiation proceedings. In these dealings! What I don't understand is that since I know that we aren't the only ones who realize this (or are we?), why aren't more people going to lawyers and compliant loan modification companies to get their loans modified? Instead they will listen to their lenders who tell them not to, then they frustrate the hell out of you until you give up and/or lose your homes...Then you want to find a lawyer for a class action lawsuit. That doesn't bring your home back... The government needs to do something to punish these banks for not doing what they agreed to do when they accepted that tarp money...And, we as consumers need to take all of our money out of these banks, and open up accounts at our local credit unions. Money is all they seem to understand. We all know that the President can't do this all himself. And, the other politicians can't seem to agree on anything fast enough to help all or most of us homeowners not lose our homes. I feel for anyone who has to lose their homes when they don't have to. YOU NEED TO DO WHAT'S BEST FOR YOU AND YOUR FAMILY TO SAVE YOUR HOMES! NOT LISTEN TO THE SELF CENTERED ADVICE THAT THE LENDERS ARE TELLING YOU. Hire a professional to get this loan modification done for you. The legitimate ones know what they are doing, do your research. Find the right company or lawyer (one who knows what he's doing) and go at the banks like you'd go to court..prepared with the best representation that you can find..I can't stress this enough how much sleep I got and gray hairs I lost once I turned my case over to Corey Lassiter at Clear Image Financial Group, Inc.. They are one of the good guys. Kept in touch with me from the very beginning, I could view updates on their website, or phone in and speak to the negotiator assigned to my case, as well as I don't know how many time I spoke to Mr. Lassiter on the weekend or late in the evening via his cell phone. He always took the time to speak to me. Then when my loan mod was approved, I could exhale....They got accomplished in 90 days what I couldn't seem to get past step one for about 6 months. I will never forget what he told to me.. He said, " When the banks ask you questions over the phone or ask you to send in the same paperwork over and over again, they are not really looking to approve you. They are hoping you tell them or send them something to disqualify yourselves". And, the more I read these blogs and forums the more I realize that that is 100% true. Look for yourselves, out of the 344 comments on here am I the only one who got approved? I must of been the only one who used a professional! You have a better chance of getting approved if you do. I can lead you to water..well you know the rest!

by Anonymous From Grayslake, IL on March 02, 2010

My advice, get an attorney...I have been trying to work with US Bank since last summer when we fell behind on the payments. Now this past February I received a notice from their attorneys and then a foreclosure notice. I tried to talk to the person at US Bank who was handling my account and did eventually got her email, again I was asked for my financial information and she did receive them and told me she would get back to me. Well this never happened and after numerous calls to her and her supervisor I never received a response. Therefore, I contacted an attorney who specializes in these cases

by geo From Antioch, IL on February 26, 2010

us bank is the worst ever make your payments and you are treated like crap you are better off not making the payments and you would get faster service

by Anonymous From Tallahassee, FL on February 25, 2010

by Z Burkett From Largo, FL on February 20, 2010

I feel your pain, all of you. I was fortunate enough to find a company that is legitimate. Now I know that the banks the news and government say we shouldn't go to any company that charges, that the banks will modify your loans for free. Well, how many of us on here have had our loans modified by the banks? A lot have lost their homes, and lot more still will unless you do what's necessary to save your homes from the banks. I went through what most of you have, I was there. Then I was referred to Corey Lassiter of Clear Image Financial Group. They saved my home. I know I would have lost it too if it wasn't for him, Tasha, Denise and the rest of the people who work there. Got me caught up on my mortgage 1st & 2nd, lowered my interested rate & payment, and secured me a 50k principle reduction. Before anyone else on here loses their homes you need to give them a call 877-940-1477 extension 231. Corey Lassiter. Don't be afraid of hiring a loan modification company, be afraid of the banks, they are the ones who are taking our homes! I know they get the job done. News and TV made me afraid to even consider a loan modification company because they are all scams and my lender will do it for free (wrong). There hasn't been not one story about a good company and when I tried to contact my local news channel they told me that my success story wasn't news (What!) So, I am making it my mission to spread the word on this GREAT company!

by Linda figueroa From Milwaukee, WI on February 09, 2010

by stramwood ,il From Streamwood, IL on February 06, 2010

by Michelle Hatcher From Marion, AR on February 04, 2010

I sent in the requests to have the Obama plan done where we meet all the requirements but I don't feel they ever ran our information through the system. One of the employees told us we qualified for the program but 2 months later I find out they never did anything. I feel we were never even given a chance to make this right and keep our home I am willing to start paying 1600 a month starting immediately. Thank you

by Anonymous From Greensboro, MD on February 03, 2010

They never follow through with anything that is said to us and have dropped the ball more than once on our loan modification through Making Homes Affordable.

by Anonymous From Edgerton, OH on February 03, 2010

by Anonymous From Chickasha, OK on February 02, 2010

by Gerald Spirk From Lincoln, NE on February 01, 2010

by cheryl maclachlan From Dixon, CA on January 31, 2010

They acted like they were willing to help but after three months said the house did not qualify. A week later I received a call that our house was going into foreclosure.

by Frustrated From Rosendale, WI on January 27, 2010

I have been given the most amazing run around in trying to get a short sale approved by US Bank. My realtor got the "magic number" we needed to get approval from US BAnk. We exceeded the number and still got denied. I have two mortgages with this bank and they do not communicate with one another. Every time you call, you get a different answer. One day you are told they have all the info they need. You call back a week later and they tell you they are "waiting" for you to provide such and such but never told you they wanted it! They go through the motions but do not seem to actually intend on approving a short sale. I do not understand this! Seems they lose more on a foreclosure but seem bent on it anyway. The people on the phone are always pleasant and sound helpful but in the end, you get absolutely nowhere!!!

by Tammy Jackson From Akron, OH on January 25, 2010

by Anonymous From Woodbury, NJ on January 23, 2010

how come this bank treated hundreds of its employees to an all-expense paid junket to a fancy resort in the Virgin Islands this winter??

by Anonymous From Antioch, TN on January 22, 2010

They've been fairly good w/ trying to help...if we could just get a little extra time we'd get caught up.

by Carl Thomas From Jacksonville, FL on January 19, 2010

not treated fairly by letting my ex-wife to be , make arrangements with them ,and not confirming any changes with me on the account. allowing her to put a password on the account giving me no access .

by latrell smith From Richmond, VA on January 18, 2010

by Krysta From Winter Haven, FL on January 15, 2010

US Bank is the worst mortgage company I have ever dealt with. There is no customer service, only customer rudeness. If you have a mortgage account with this company WATCH OUT!!! Check every statement for where your payment actually went. Several times they have taken my payments and credited my escrow account to put my payments behind, and added fees to my account. There's also a suspense account where they deposit money in as well. The money sits in this suspense account while your fees skyrocket for nonpayment. My thoughts are this "suspense account" is some savings account and they draw interest off your payment.

by Anonymous From Brockton, MA on January 14, 2010

US bank is a joke!!! i love how the US BANK EMPLOYEE SAYS THEY SERVICE A BILLION LOANS BUT ARE ONLY OPEN UNTIL 430PM!! WHAT A JOKE! it took me 9 months to get my mod to finally go through but after 4 months of trial payments, they decided i was denied . Why? because they said so ...my mortgage was sold to this company, i definitely did not choose this. i have been doing research online on banks, because i will not go through this ever again, AND NO BANK GETS AS BAD REVIEWS AS US BANK- NONE OF THEM.... there are thousands of website designed to post how awful us bank mortgage is.....i agree with everyone on here to, the employees are so rude, and very short with you. make sure you get their names and write the ceo like i do!! someone has to put this to an end!

by Anonymous From Lexington, VA on January 13, 2010

by Anonymous From Ashland, OH on January 13, 2010

most mortgage companies are very willing to help people out with the rate of job lost.

by Anonymous From Kingston, IL on January 11, 2010

we did a repayment plan with US Bank; we were honest we got 1 month behind due to a job loss and they offered a repayment plan to us as soon as a new job was acquired we call them; went on the plan that was suppose to last for 1 1/2 years; we paid it off early and got caught up; however, no our credit rating is destroyed because of the late payments even though all of our payments were made on time during the agreement. We want to sell our current home to purchase a new home to get our kids in a better school district and guess what?? Thanks to US Bank we can't get approved for a mortgage because of the late payments for another year or 2. We are being looked at as bad as if we had a foreclosure or bankruptcy. If we would have known this would have hurt us the way it did we wouldn't have agreed to the repayment plan. At least we the consumer was honest!!!!

by houseseller From Burnsville, MN on January 11, 2010

the phone numbers on here for US bank are not even valid! Marian Reiz was horribly rude to me on the Phone. Dawn Webb thinks she just has to take your financial information and sit on it for months at a time then re-request!! Um . . . sorry folks that is not how to turn homes over to eligible buyers from sellers who are in default on their loans!! This bank has done nothing but pass the buck! Dawn Webb took my financial information to do a loan modification and also took my financials recently to do a short sale! I found out the bosses name for these two individuals is Diana Rolland. I left a message there today. We will see if anyone wants to sell a house!

by Anonymous From Atlanta, GA on January 05, 2010

I REQUESTED HELP FROM THIS COMPANY AND THEY FAILED TO HELP ME. ALSO, EVERY TIME I SPEAK TO SOMEONE AT THIS COMPANY, THEY GIVE ME A DIFFERENCE RESPONSE. I CANNOT RELY ON ANY ONE GIVING ME THE SAME ANSWER.

by Anonymous From Saint Peters, MO on December 29, 2009

by Anonymous From Bowling Green, KY on December 29, 2009

US Bank has been the worst when it comes to customer assistance. On a daily basis I am constantly battling the wait and rude representatives. Seems like I wait 1 hour to talk to someone who is being short with me and just give me yes and no answers. Its hard to be professional when you don't have any guidance with US BANK. What is customer service for? There wasting there own money! I literally have to study and figure everything out on my own then ask them. They aren't the only banks in America. But the certainly are the slowest.

by Regenia Carter From Little Rock, AR on December 28, 2009

Thk

by Regenia Carter From Little Rock, AR on December 28, 2009

by Anonymous From Union, KY on December 22, 2009

US bank & US bank mortgage lie, steal & cheat the people- Karma is a bitch! It will bite them in the end. I hope they blow the whistle on this institute! Take all funds out of this bank & let em' have the rest- sink baby sink!!!! The fight is OVER!

by Anonymous From Florissant, MO on December 21, 2009

they are a nightmare company.

by James From Saint Paul, MN on December 18, 2009

I have been on hold for 30 minutes now.. this is how it always is when I call. I am not able to talk to anyone or the office is closed. Someone from US BANk home mortgage please call me. James Bellefeuille. I want to save my home, I am in the Obama affordability and stability plan and made my first payment. US bank returned it to me via their attorney's and a nasty letter. Please wont someone pick up the phone.... This is reckless. I wish US bank had never bought my mortgage. :-(

by Another U.S. Bank Employee From Owensboro, KY on December 09, 2009

I agree with the statement that at this mortgage company "one arm doesn't work with the other" and that no one employee is properly educated to help with customer complaints. I agree that the customer service could be better but to no avail I haven't been able to persuade the different levels of management on this. I have to realize that I am just another employee, and the harder I try to help customers and try to talk to management the more and more I get shut out. It is true that this company cannot always give what the customer wants, but it does no good to be rude about it. I want to apologize to the dissatisfied customers that have complained about the rudeness and poor customer service. I will keep letting the managers know that if they want the true story of how well our customer service is then all they need do is read posts on websites like this, instead of talking down to the employees who try to help the customers. Again I want to apologize for all of your negative experiences in dealing with U.S. Bank, and I will keep working for you from within to try and get the managers to get their heads on straight so they will train myself and other employees to deal more effectively and professionally with customers. Thank you for posting your comments about U.S. Bank and I want to assure you that I will do all that one employee can to see that the quality of customer service at your mortgage company improves.

by Anonymous From Staten Island, NY on December 08, 2009

Everything that everyone stated is exactly what I'm going through right now. It's so frustrating. Is there anything we can do? I really hate US BANK!

by Anonymous From Sacramento, CA on December 07, 2009

this is not a bank,they are living nightmare for poor homeowners who have borrowed from them. talk about modifying your loan. that is only a word and line to say for US bank as they will not work with me,i have been trying to modify my loan for the past 7 months and every time they tell me that they do not have my HASP packet(hardship letter,bank statement ,pay stub etc).i have faxed them these documents at least 15 times in past 7 months ,but every 3 weeks when i call them to check the status of the modification,,, I'm told that they need the HASP packet again because it is not on file,,,hello people ,,,who is not doing there part,,,US BANK ,,,,besides that they keep on transferring the file from one department to another ,also from different person to another person ,,,,so hard to deal with a new us bank agent every 3 weeks,,,,,Why is the US bank system like this,,,,i have my personal experience with US bank and i think they should change the banks name to crock bank.....because they are bringing shame to the work US

by singh From Sacramento, CA on December 06, 2009

i have been trying to modify my loan with US bank for past 7 months. I used ACORN housing to do so. they submitted all paper works to US bank on time and I even called US bank to confirm. Its 7 months now and i called every 2-3 weeks to check with US bank on status of my loan modification. Only thing i found out each time i called was that they need new paperworks because they don't have them on file. I keep on faxing and mailing the requested documents to them every 2-3 weeks after hassling a month they finally confirmed that they have received the fax. 2 weeks later i called them again and i was told that they need those same paperwork ,documents again because there was nothing on file. I told them that whom i faxed it to and they told me sorry that was another department and i will have to re submit it all again,,,i have submitted the sdame documents to US bank for more than 7 times in 7 months and i m still in the first step because US bank keeps on losing the documents(bank statement ,pay stub,hardship letter etc) it seems like Us bank doesn't want to modify my mortgage. ,,,,SO MUCH GOOD HAS BEEN DONE BY OUR PRESIDENT TO ALLOW N GIVE A CHANCE TO HELP HOME OWNERS STAY IN Their HOME THROUGH MODIFYING,,,MY QUESTION IS WHOSE IS CHECKING IF THE BANKS ,,,Especially BANKS LIKE US BANK- ARE DOING THERE PART.......OBAMA SIR ,,,NO ONE IS DOING THAT,,,,SO BASICALLY OBAMA PLAN IS WASTE OF TIME WEN IT COMES TO BANKS LIKE THIS lazy N RUDE ,US BANK......ANY BODY WOULD LIKE TO Communicate WITH ME CAN EMAIL ME singh_devindar@yahoo.com

by Greatful From Novi, MI on December 03, 2009

I started the process of working on a Loan Mod through the Home Affordable Program back in March 2009. Although it has taken 8 months US Bank has done everything right. They never lost my paperwork nor did I have to resend anything in. I received my final Modification Papers on Nov. 21st. They are overwhelmed with customers needing help and are learning these programs just as we are. I truly believe that once they have everything ramped up you will see many more people getting help. Thank You US Bank!!!!!

by Heather From Cincinnati, OH on December 01, 2009

This is by far the worst bank! I think not!!sent all my information to these idiots what a waste of 7 months. What is it with these people? God they should all be fired!!called every week and was told twice "oh the customer service rep you talked to didn't put your information in like u asked 3 months ago so we have to re-enter it all and I'm sorry what was u needing".What r u kidding me??DO NOT TRUST THESE PEOPLE TO HELP U .THEY DO NOT CARE ABOUT U OR YOUR HOME AND THEY DO NOT REALLY WANT TO HELP U AT ALL!!

by us bank employee From Owensboro, KY on November 30, 2009

Did your husband sign the mortgage and note?? OK my point!! Its his house too!!!!! If you sold it you would be stealing from him, and I would have to say over 1k is a felony so.. Realtor from FL...Have I spoke to you before... majority of my accounts are Fl... because more than likely I have and you are a liar..Please people if you are going to post things on here or anywhere make sure you are telling the truth..just because you do not get your way does not mean to bad mouth and lie about people that go to work everyday to TRY AND HELP SAVE PEOPLES HOMES... because this is what I do every single day... You are obviously adults and need to act it..or this may be the reason to you losing your home in the first place..I'm just saying

by Anonymous From Charlestown, RI on November 30, 2009

I have been dealing with them over the last 8 months trying to get this situation straightened out. However the longer this drags on the more stressed out I become and the more stupid financial decisions I make.

by Anonymous From Country Club Hills, IL on November 24, 2009

Allowed a home-owner who lives in my condo development to have access to my confidentiality as well as do a double mortgage by using my credit and my treasury trust. Very unsatisfied with US Bank/Chase Servicer: In addition the customer service I have received from both US Bank/Chase Servicer has been very poor--bad.

by realtor From Palmetto, FL on November 23, 2009

We submitted an offer in april for a home with a first mortgage with US bank and a second with a smaller bank. We have a lawyer involved which usually helps - not this time. The second has already signed off months ago and US bank will not respond at all. We are going on month 9 since the offer was submitted. We have about 11 short sales pending right now with all different banks and US bank is BY FAR the worst! Even if the answer in NO - that's fine, just let my poor buyers move on and stop waiting.

by dee From Cerritos, CA on November 22, 2009

I have the same experience as above. They are so rude and inhumane. I am current on my loan and i got laid off in 01/09. I called them and first they told me i was approved and that they will send me paper work to sign than every month i got letter from them and each notice would have different reason for turning me down. I called there corporate office and spoke to CEO's assistant explained him the entire experience since March through June and he turned me to loss mitigation department. They told me that if i want to get modified i need to be late before they would do any thing and than another person told me that they would rather take my home since it has equity in it than help me. Than they told me that their NPV test resulted in negative and they would not be able to help. I also called Fannie Mae this people are even worse. There plan is to have as many people loose their home and they would sit on it until the market moves up and than they would unload them slowly so they can make profit. They are getting help from government with our money and borrowing at 0% interest from feds. So why would they want to help anyone when they can take every all of the real estate in their books because they know that things are gone get worse and only thing most investor would buy in worse market is real estate and gold. They sit on it and sell it when everyone else wants it and prices go up. People like us are dispensable. If you are going sue you would want to sue everyone including Sen. Dodd and Frank they are the one to blame as well along with all of the democratic leaders and Greenspan. We need to find a good lawyer who wants to take on these big institutions and sue in class action but not one has enough courage to do so. Banks know that when you are in trouble no one would want to help because you can't pay them. They have all of the lawyers in the staff we don't. I am canceling all of my credit cards and checking and savings account with any banks and putting it in the Credit Union. That is only way I can protest and get some justice. All of you should do the same. Right now they need the capital and if people don't put money in the account they don't have it. If they don't have the reserve they are required to have they will get shut down. Just remember the movie IT'S Wonderful LIFE" It is same situation with bank now no difference. PEOPLE TAKE YOUR MONEY OUT OF THE BANK IF YOU HAVE ANY AND FORCE THEM OUT OF THE BUSINESS. HOW MANY TIMES governments WIL BAIL THEM OUT WITH TARP AND HOW BANY BANKS. THEY ALL GOT TO TO. PLEASE TAKE OUT YOUR MONEY. CLOSE YOUR ACCOUNTS DOESN'T MATTER WHICH BANK YOU HAVE IT WITH. HOPE ALL OF YOU DO IT.....!

by R&A Overland Park KS From Shawnee Mission, KS on November 22, 2009

Terrible bank. The process of our denial took 5 months. My loss of income due to a layoff is now going on 11 months. They did not even try to work with us. Lost paperwork, ect. Then finally a denial 3 months ago. We have never been late on a payment. Savings in dwindling.

by Anonymous From Vancouver, WA on November 21, 2009

They led us to believe we would be ok if we made a November 2009 payment and they could redo our missed payments into our loan. Now that it has come down to it, they are threatening to sell our home to the highest bidder if we do not pay in full. They lie, and must be quite heartless to do this to a family who has suffered so much over the past 5 months. I would not suggest anyone trust this bank.

by Michelle Hatcher From Marion, AR on November 18, 2009

by red201 From Portsmouth, VA on November 16, 2009

US BANK IS A DARK NIGHT Don't WANT TO WAKE UP ,THAT IS THE DEVIL MY HUSBAND AND I BEEN TALK WITH US BANK FROM MARCH 16,2009 TO PRESENT THEY JUST Don't CARE ABOUT THERE Customer AT ALL .THEY ARE So.....NASTY RUDE AND UNHELPFUL TO THERE CUSTOMER, THEY ARE WORST THEN WORST CAN BE NOTHING GOOD ABOUT THEM MY HUSBAND BEEN LAY OFF HIS JOB FOR 8 MONTH THEY TOLD US SELL OUR CAR AND AND ANYTHING TO PAY THE MORTGAGE OR THEY GOING TO Foreclosed ON US .THAT IS SAD WE BEEN IN OUR HOUSE FOR 20 YEARS WE REFINANCE WITH US BANK THAT IS WORSE THING WE EVERY Done. THEY TOLD US NO MATER WHAT PAY THEM FIRST DON'T PAY OUR OTHER BILLS JUST PAY THEM THEY DON'T CARE ABOUT OUR OTHER BILL .WHAT A MORTGAGE COMPANY IS THAT (NOT FOR PEOPLE..AT ALL LET'S GET TOGETHER AND SEND UP SOME PRAYER AMEN

by Happy US Bank Customer From Salt Lake City, UT on November 12, 2009

Due to a divorce and the effects on my finances & the current state of the economy I was denied on my application for conventional refinancing because my debt to income ratio was now out the window so I was left with only the option of the modification under the HAMP program or continuing my struggle until I couldn't hold on or things improve. I am seeing a lot of postings on the web claiming being turned down for having to high DTI or that you have to be in default or foreclosure to get qualified or that they charge you money and do nothing… all of these claims are false and I am an example of that. Us Bank has been great in this process with me. In doing my research, I read all of these web postings before and during my application process and was absolutely scared to death about seeking a modification and what I would encounter. I am now it the second month of my trial period and I have to tell you so far I have not seen any of this refusal to help or rude customer servicing and there has been no cost to me other then time to get into the program. It took me 3 months from my initial contact with them to be qualified, but I also understand that the highest priority was given to customers already in default over those who were current. I have always been current and was current going into my mod trial period and current today. You all must realize it is not US Banks fault you signed for and agreed to sub par terms in your mortgage as I see mentioned here many times. My situation in reduction of income was not US Banks fault either but they have been awesome at working with me through this HAMP program so far and I don't think you are being fair in posting miss information out here like this …you could actually scare potential people who really do qualify for this program off and prevent them from even submitting for the help. Happily a US Bank customer and forever grateful for their willingness to help me out.

by jessica hall From La Place, LA on November 12, 2009

by Anonymous From Peru, IA on November 10, 2009

by Anonymous From Lewisport, KY on October 30, 2009

US Bank is great the helped me save my home even though it took a little while on the phone and i had to wait they helped me!!! so for everybody else i am in your shoes or i was take a step back an listen to how stupid you sound. your just being spoiled brats cause you didn't get your way. ITS LIFE GET OVER IT!!!! you should have tried to get another job and down sizing. its your fault; not the mortgage company.

by Mary Peoples / Destiny Infinity From Gainesville, FL on October 30, 2009

US BANK took my home, lied about contacting me, lied about working with the 3rd party company also caused stress please contact me 3523747020

by shelia harris From Cleveland, OH on October 28, 2009

by Amy Watson From Kansas City, MO on October 22, 2009

by us bank employee From Owensboro, KY on October 21, 2009

As I stated previously in my comment..U S Bank does not make the rules! We go by HUD and Investors guidelines! If you are not happy that we are unable to help you I would suggest you call the investor in your loan or a local HUD office. We can only do as much as they will let. Every payment plan and modification are approved by them before the documents are sent to the mortgagors. So if we think we can qualify your mortgage we send them for approval. I would also like to point out that as stated previously we are human as you all, and I am aware of a few foreclosure/ loss mitigation employees that are currently in foreclosure that may very well not get help. So just so everyone is aware that we do not pick who gets help and who doesn't, this is a large corporation that follows their rules and regulations. I would also like to address Peggy from Ohio, only because I don't like people that fabricate or lie. We do not charge mortgagors to try and do a modification or a payment plan. Fact: it is 100% free minus the HUD fees. We charge ZERO! We only get our hourly rate pay. There are allot of company's out here now that state they can make us modify your loan and can save your home 100%. This is not correct! What they will do for you is charge around 2k to do the exact same thing that the mortgagors can do for FREE! As for the realtors that are commenting on here. The mortgagors are not aware of the commission that you are worried about 5k. Usually we only have angry realtor when we cannot net our % (that HUD again requires us) for short sales and they don't get that big commission. I am assuming the the majority of the complaints on here are from mortgagors that have lost their homes to foreclosure. Keep in mind that when you were able to make that mortgage payment that you maybe not love U S Bank but at least liked us. The economy situation is not caused by this bank, be real, it is due to the previous president, senate, war on Iraq (now Afghan) that are so many reasons but I find it humorous that you few complaints are kind of blaming it on this company, that service over 1 BILLION loans, that hundreds of people get their loans through because we are respectable, follow the rules and are HUMAN!

by Peggy From Brecksville, OH on October 19, 2009

US Bank is one of the most horrible banks to work with. Each person gives you a different story and no one is on the same page. The wait hold for customer service is beyond belief. I can't wait longer then 30 minutes and end up hanging up only to have to call another time and wait another 30 minutes before hanging up. Their loan modifications are a big joke. They charge too much to begin with and they act like they are doing someone a favor when they reduce their mortgage a couple hundred dollars when the payment is priced way too high to begin with. A few months ago I applied for the Obama program and was current in my mortgage at that time. I waited and waited and fell behind and after months of waiting I received a denial that my debt to income (DTI) exceeds the requirements as defined by the Home Affordable Mtg Plan. This is a big joke. They are not helping anyone and their customer service needs to be evaluated. They are one of the banks who have the lowest approval for customers for the Obama Plan. There are many complaints about US Bank and even a MA judge made a ruling that everyone might be interested in http://mandelman.ml-implode.com/2009/10/massachusetts-judge-rules-against-wells-fargo-and-u-s-bank-%E2%80%93-threatens-millions-of-foreclosures/ US Bank returned $6.6 billion in funds they took from the U.S. Treasury's Troubled Asset Relief Program (TARP). Now, since they are a NON TARP recipient they have NO requirements under the Obama plan to modify. Take a look at where USBank stands for trial modifications http://www.treas.gov/press/releases/docs/MHA%20Public%20100809%20Final.pdf they are a joke and are not willing to help home owners. We all need to take a stand and do something about this.

by usbank employee From Owensboro, KY on October 16, 2009

I work for US Bank in the foreclosure/ loss mitigation department and have read all the complaints above. Allot are fictional. Depending on your loan type (FHA or Conventional) depends on the help that you can get. Having an FHA loan we have to go by the FHA HUD guidelines not US Bank guidelines. With the economy and the foreclosure stage yes it is almost impossible to get ahold of us but this is because we are the other line assisting other customers. Anyone who has a mortgage in foreclosure or not wants a "loan modification" it's not possible. When submitting your financial this is the information that determines if you qualify for loan mod or forbearance (payment plan). The problem is not US Bank the problem is the economy and mortgagors not understanding that we don't make the rules, we have to go by the rules of either HUD (government)or your investor. To be perfectly honest I Have never been rude to any customer and my co workers either (that I have heard). We would love to save everyone homes but is simply impossible. US Bank does not want your homes they loose money on almost every single one. Please keep in mind that US Bank employees have families, bills & Mortgages to pay as well. I have worked for this company for a few years now and love the people and majority of the customers. We are human as you all are.

by Anonymous From Crestview, FL on October 15, 2009

THEY ARE MORE WORRIED ABOUT A SMOKE BREAK THAN WORKING TO HELP YOU.

by Tonya Hairston From Knoxville, TN on October 12, 2009

by Anonymous From Kearneysville, WV on October 10, 2009

Until now-- avg Now -- HORRIBLE!

by marsha From Mentor, OH on October 09, 2009

This bank should be called on the carpet for unfair business practices. They are inhumane and do not care what so ever about you.........

by TG From Cleveland, OH on October 09, 2009

THE BANK FROM Hell! I've read all the comments above and it is the MOST relief I've had in some time! At least I know I'm not imagining the horrific service, threats, blatant disrespect and unwillingness to co-operate. I'm a Realtor who has had several offers on my own property that Lease Option/Tenants abruptly moved out of. For years I kept the payments up even when the Tenants did not pay. I tried keeping them informed after the tenants moved out, the week before Thanksgiving. It wasn't until another Realtor told me that US Bank would NEVER help if I kept the note current. Sure enough after MONTHS of NEVER returning phone calls they begin to HARASS ME about! Threats! NIGHTMARE TREATMENT. I had FOUR offers on the property that US Bank would never respond to. I later learned that I did not owe them ANYTHING due to a Bankruptcy in 2005 yet I still wanted to help the neighborhood by selling it. Over the past 2 years I could write a BOOK about dealing with this demonic institution! I have NO IDEA how they are ALLOWED to be in business! They're ILLEGALLY rude and offensive! They need to be mandated OUT OF BUSINESS! Marcus and Mike,... Stephanie is polite yet never returns calls (unless you are at work and can't answer the pone). Travel Hendershott was wonderful to talk to yet nothing was followed through on and I never heard from him again. He at least seemed HUMAN!I hope he has left the Bank and now works with a more reputable company.

by shanique ashers From Deltona, FL on October 07, 2009

by Jonathon Rope From Hazel Park, MI on October 05, 2009

by Ram From Chandler, AZ on September 29, 2009

worst bank ever!

by Darlene From Mesa, AZ on September 28, 2009

I fell 2 months behind on my payments due to some personal hardships. I called US Bank, and asked for a loan modification. They told me that they would not modify my loan unless I was 3 months behind. So, I waited another month. They told me to call this HUD approved counselor, who went through my expenses with me, and told me that she was going to recommend me for a loan mod. I received the packet in the mail, filled it out and sent in all of the required documentation the very next day. In the meantime, US Bank's people are calling me trying to get me caught up! I thought they told me I should be 3 months behind! I talked to 3 different people that same day. George told me that if I could make 1 regular payment now, and 2 modified payments in the next 2 months, that they would modify my loan and put the 2 payments I missed at the end of the loan. I told him that I would see if I could get the money, and he just said, "Good Luck, Darlene" and hung up on me! I called right back, and he transferred me to Nick, who told me that he was in control of whether my mortgage got modified or not, and that if I didn't catch up completely, he would tell them not to modify my loan. Then I talked to Mario, who told me to just wait for the modification and at that time I would make 3 modified payments in 3 months and the payments that I was behind would go to the end of the loan. The modification papers say that it will take up to 14 days for the review process, and to date it has been 27 days and I have heard nothing. I now have the money to catch up, but am afraid that if I catch up, they won't modify, and afraid that if I don't catch up, they will foreclose on me. I don't know who to believe or trust since they have told me so many different things. I just want someone in authority to tell me what I need to do.

by Anonymous From Wakulla Springs, FL on September 28, 2009

by jaycee From San Bernardino, CA on September 25, 2009

Ever since they took over, they have made little/ to no attempts to help me get out of a very predatory ARM. The comments above are quite correct-they never return phone calls or e-mails( JUST ONCE, WHEN MY ONLINE PASSWORD HAD TO BE CHANGED)I qualify for a modification, but for some idiotic reason, I have been turned down by them 3 times-the first time, because I "did not meet delinquency guidelines" (I asked for a loan mod, paid for a legal agency to prepare and submit it, BEFORE I went into default, and it was denied(!?) Some imbecile there told me that the only loans being helped were ones at least 60 days behind,intimating that if I got behind, I'd get help-yeah, right!) I didn't pay for 2 mos.,so I assumed they'd help. I called, spoke with a female(always a different person!) who told me, "Just hang on a few more days, it looks like your loan is due to come up pretty soon". There was a letter sent that stated I would be contacted in 30 days-never happened! I called them after 30 days, and got yet another person who had no idea my loan was in the workout dept. Same bank,zero communication. Even after attending a HUD home retention/counseling, they still have not contacted me except to give me a notice to start foreclosure UNLESS I paid all back payments + late fees a whopping $4,000+ by the end of the month, which gave me 2 weeks. I scraped the money together and paid them because I felt I had no choice-WHY IS THIS COMPANY IN BUSINESS??? Now, I'm caught up,its business as usual-no offers of assistance, modification, nothing-just another monthly statement-and life goes on....MORONIC SHAPE SHIFTERS!!

by Glenn Niles From Patterson, NY on September 21, 2009

by Anonymous From Saint Francis, MN on September 20, 2009

We all need to call the Better Business Bureau...Apparently they are members. We need to get the word out!!!!

by Anonymous From Saint Francis, MN on September 20, 2009

by Jill Slyter From Davenport, IA on September 10, 2009

Horrible to work w/in the short sale process. Had the realtors cut their pay 26%. Bad communication skills from Dawn Webb and all they could ever say it was beyond their control. They were the ones in control. Without the realtors they would have more foreclosures. They should give us a bonus for keeping these deals togther instead of cutting our pay, I bet they didn't take a pay cut! Email me at jillsellshomes@yahoo.com to help me with letting US Bank know how they really treat people!

by Margie Huether From Waukesha, WI on September 10, 2009

by Kim Morgan From Lexington, NC on September 01, 2009

Everything that is said about US Bank is correct. They will not work with you and it took me 3 days to get through to someone to discuss my problem. We sent in modification paperwork and never received any letters saying why it was denied and now they will not work with us on our past due mortgage payments.

by ROSEMARY VILLEGAS From Pittsburg, CA on August 27, 2009

by Anonymous From Erie, CO on August 24, 2009

We have tried to workout some modification plan out with them. At first they said that there was nothing they could do because we had too much debt. We work on our debt situation and lowered it significantly. Now they are saying that we make too much money and that nothing can be done to help us. On top of that they have consistently been inconsistent one employee says this another says that and in the end we might lose our house.

by Anonymous From Alabaster, AL on August 21, 2009

by Anonymous From New Boston, IL on August 17, 2009

We have tried to deal with them to lower our payments but they won't get back to us. Filled out hardship letters etc, but nothing

by Maricella Sauceda From Barstow, CA on August 04, 2009

They are horrible and trying to get a hold of them is close to impossible. All I get is voicemail and they refuse to return calls.

by Anonymous From Upland, CA on August 04, 2009

US Bank offered us a modificaton which we accepted and sent the cashier's check for the modified mortgage payment as directed. One month later we receive a letter from US Bank notifiying us of foreclosure proceedings. When we contacted the bank we were told by a very rude employee that our modification was rejected. No phone call, no option to discuss. The loan department said the only option at this point is to repay the back due mortgage payments in installments. We were stunned that a bank would rather foreclose on the property rather than work with us to help us stay. With the modification offered in June we would have been fine as we both have good jobs. Bottom line, our income level was too high so they would rather have the house vacant.

by Anonymous From Vassar, MI on August 03, 2009

I can never get a hold of my mortgage company when I have questions. When I do get a hold of US Bank, they transfer me all over the place before someone can give me any information about what I'm asking. I havn't received any useful advice from this company since Chemical Bank (who we originally got the loan through) sold our mortgage to them. We went through a bit of a hard time when my fiance lost his job for 5 months, and all they offered to do was add the payments on to our following months payments which just made our payments higher, which didn't help up because we were struggling then to pay our original payments. Our mortgage went from $650 - $735 a mont because they did that! How are people supposed to catch up if your just going to keep raising the payments, and they still don't have enough for the original payment. This company just doesn't make sense, and they don't have very good customer service ethics.

by Anonymous From Aiea, HI on July 28, 2009

Schlock

by Anonymous From Junction City, OR on July 27, 2009

by Robert McAllaster From Lewiston, ID on July 27, 2009

by Nancy McAllaster From Lewiston, ID on July 24, 2009

by susan yeatts From Akron, OH on July 23, 2009

We feel like they failed my son Joey.. Miscommunication their intentions and very much misguided a new home owner. Although I have power of Atty, they still did not consult me on what was going on..

by Anonymous From Sussex, NJ on July 22, 2009

by Anonymous From Mesa, AZ on July 20, 2009

I really haven't experienced any rudeness, just took them 6 weeks to get our forbearance plan back to us. They have worked with us so far, so good! We'll see how long it lasts.

by Anonymous From Coos Bay, OR on July 16, 2009

US BANK HAS THE MOST UNPROFESSIONAL, RUDE STAFF THAT I HAVE EVER DEALT WITH. I AM A REAL ESTATE BROKER AND DEAL WITH BANKS & SHORT SALES ALL DAY LONG. I WAS TOLD BY A WOMAN IN LOSS MITIGATION THAT THEY DONT HAVE THE TIME OR THE STAFF TO DEAL WITH THE "CRAP" AND THAT I SHOULD ADVISE MY SELLERS TO WALK AWAY (AFTER 6 MONTHS OF NEGOTIATING A SHORT SALE & LOSING 2 BONIFIED BUYERS). THEY TOLD ME THAT THEY ARE PAID TO "ANSWER PHONES AND DO PAPERWORK" AND THAT "TIME IS NOT A PRIORITY--WE JUST GET THROUGH EACH DAY". A HORRIBLE BANK---I STRONGLY DISCOURAGE ANYONE FROM DOING BUSINESS WITH THEM!

by Kelly From Cleveland, TN on July 13, 2009

I have been in the short sale process for 10 months now, we have had 6 offers on our home, one which was a cash offer that was within the range that US Bank would except and they will not call us back, i have sent emails after emails, left hundreds of voicemails. Something needs to be done about US Bank they are ruining everyones credit and they don't want to sell the homes.

by Anonymous From Owensboro, KY on July 04, 2009

Made an offer on a short sale. Submitted all required documents. Have heard nothing after more than a month. No wonder they are losing money. Don't they want to sell these houses?

by jeff moll From Burt, MI on June 29, 2009

they acted like kings with no basic reasoning skills, one person would agree to help me get back on track and the supervisor would call back and say the deal was not available for me

by Anonymous From Titusville, FL on June 25, 2009

i have been trying to get someone to help me for months... they just keep telling me to send them the same paperwork over and over again the last time i sent the paperwork it cost me $31 and they said they did not receive it...hmmmm? i did what they asked and still no help and today i was served papers.... they would not even take a partial payment so that i would not be so far behind.. all or nothing i was told

by Anonymous From Fairfield, CA on June 24, 2009

by John Howell From Mchenry, IL on June 19, 2009

We have a servicing company that has been taking our payments. We had no idea who our lender was until we received a workout packet that told us our lender was Wells Fargo. Now that we've received foreclosure notice they say it is US Bank. Does this discrepancy give us any leverage?

by Earline Titsworth From Omaha, NE on June 19, 2009

With USBank, the right hand does not know what the left hand is doing. We've submitted paperwork to them three times for a modification and I've called 6 weeks after the last time I submitted paperwork and they told me they were still processing. I've spoken to people that have not cared about being helpful and were rude.

by Clarence & Earline T. From Omaha, NE on June 19, 2009

We have tried to modify our mortgage with USBank 3 times this year. They keep asking us for information they already have, only to tell us they can't help us. I don't understand. Something is very wrong because you can't get in touch with them. I think I will submit a complaint with the FBI because of what we are going through, too.

by William L Reed From Shelbyville, IN on June 15, 2009

We have called and talked with them several times, we have been told several times 3 different payments since we filled lose mitigation and they are just no helping they have made it harder for us...

by Anonymous From Wakulla Springs, FL on June 15, 2009

by Cassandra Anderson From Indianapolis, IN on June 10, 2009

Horrible. They advised me to do the wrong thing. It took over 5 months for them to review my information and when they finally did, they said I didnt' qualify for any assistance and offered my a repayment option that was not feasible for my income. I always have to leave a message for my processor and he never calls back. The customer reps are always rude and unprofessional.

by Walter From Calumet, MI on June 10, 2009

Terrible company. Everything everyone has said above. What can we all do in order to get some assistance. Obviously, US Bank isn't doing their job!!!!!!

by Mary From Rockledge, FL on June 10, 2009

I can't believe they are even still in business. Applied twice for a modification due to hours being cut because off economy. Was denied twice because of a deficiency in income-which is why we applied!! During the application process for the modifications was told not to make a payment until we heard from them-months! We might have been able to pull out of this had it not been for that. Our mortgage was sold 2 times in the past year. Of course we end up w/ the worst company! We have been served a Foreclosure notice. We have 3 small children and we have no idea what to do. Justin Krocek, Loss Mitigation, will NOT return our calls. THEY REFUSE TO WORK W/ US! They apparently would rather foreclose and leave a hard working family homeless! They are terrible!!!!!!!!

by Qiana Jackson From Starke, FL on June 04, 2009

They will not work with me.

by Stacey Spencer From Indianapolis, IN on June 04, 2009

They have been patient and kind in the past. My only complaint is that I have to wait over 30 minutes frequently when I call.

by Anonymous From Grand Rapids, MI on June 04, 2009

Always have to leave a message when we call them.

by tom jean From Dimondale, MI on May 26, 2009

by Don Thies From Auburn, WA on May 14, 2009

by lance plyler From Mount Olive, AL on May 13, 2009

i have been on unemployment for 6 months but i have enrolled in truck driving school and will have a job in 7 weeks making twice as much as I used to. Now they want to take my home and throw me and my daughter in the street.

by Darren Stephenson From Skiatook, OK on May 13, 2009

I believe they are a decent company that wants to work with me, but are currently overwhelmed with loss mitigation and don't have the resources to help me. I have only talked to my processor once in the last 6 months.

by MiA moreno From Indianapolis, IN on May 11, 2009

by petmugs From Birmingham, AL on May 07, 2009

I had two mortgages with them and they sold one of them without any consultations i ask them, they say that's provided for in the closing documents. I have gone through the documents but there is no such thing. right now am contemplating a lawsuit.

by T J Webb From Cincinnati, OH on May 07, 2009

by Anonymous From Leesburg, FL on May 04, 2009

They seem to want to help, but you can never get in touch with them.

by sharon jones From Prairieville, LA on May 01, 2009

by jeffrey szucs From South Bend, IN on April 30, 2009

will not even work with me on a loan modification

by melissa shaffer From Warren, OH on April 17, 2009

by henry collins From Antioch, TN on April 16, 2009

by Beverly Johannes From Evansdale, IA on April 15, 2009

by Anonymous From Davis Junction, IL on April 14, 2009

We have been trying to get U.S. Bank to do a Loan Modification which we qualify for but they will not do it. They do not return phone calls and they are rude when you do talk to someone. One person hung up on me and i wasnt done talking!

by Anonymous From Laughlin, NV on April 06, 2009

Oh my... I have the same complaint as all the above before me!! What to do? It sounds like a bunch of fooy from US Bank. They do not want to help anyone!!! How can we get out from under US Bank? I would like to get rid of them altogether!!

by Jim, Long BeachCA From Long Beach, CA on April 05, 2009

Very poor service. I meet every single item in the mortgage modification requirements, I'm still barely able to make my payments and trying to stave off eventual foreclosure. I called in March, they told me to stop my automatic payment setup, and to call back in April with my monthly bill still unpaid. I did as I was told. Called back last week, and was told I don't qualify because of "mumble mumble mumble" and that it would be at least 2 more months before my "type" of loan (Like I said - i meet all guidelines for modification) can be worked on. No explanation why. I cancelled autopay for no reason. I am not being helped. I don't know what to do.

by Christy Robinson From Sellersburg, IN on March 30, 2009

Very rude, always talking to different individuals. They don't want to work with you.

by ma From Brunswick, GA on March 28, 2009

poor service, on hold if you finally get someone >30 minutes. No callbacks. It seems they don't care.

by mike oltmsn From Shelbyville, IN on March 26, 2009

by casey allen From Memphis, TN on March 19, 2009

I think some of them lied to me, but others were very nice... U.s. Home Bank Mortgage, This company overall had treated me fair... I only need to keep the last thing I own, my home..

by Robin Balaja From Kansas City, MO on March 16, 2009

by Anonymous From Sacramento, CA on March 10, 2009

These people are just stuck on stupid. They would rather let a home go into foreclosure than accept more than half the balance owed on the loan. Who is running that Bank anyway. Maybe the FDIC ought to raid that bank and shut it down since they would rather take nothing verses half the balance remaining on the loan. WE are going to bankrupt out any deficiency on the loan. What a bunch of stupid...

by Kevin Southavong From Mays Landing, NJ on March 05, 2009

by Anonymous From Fort Lauderdale, FL on March 03, 2009

Yes, US Bank employees are very rude indeed. It took me 4 to 5 mths of arguing with them to get them to send me out the paperwork for a loan modification. I was even threatened by one of the employees as far as if my house go into foreclosure, they will be coming after me.

by Anonymous From Buffalo Center, IA on March 03, 2009

by K. Dee From Goodyear, AZ on February 28, 2009

I echo the same comments made by others...I'm sadly relieved that I'm not the only one being mistreated by US Bank. They are so UNWILLING TO HELP!!!

by colleen hammonds From Toronto, OH on February 27, 2009

by Anonymous From Lorain, OH on February 24, 2009

by Pamela Gardner From Elizabeth, IN on February 23, 2009

by dave From Union City, CA on February 13, 2009

i refinanced my home in september 10/2008 at 6.75%; in december i found out interest rates with them was 4.8 or 5%, i called january 2009 and asked them to lower my rate, they refused, the said i had to refinance again, i said ok ,,, they appraised my at $100,000 less than it was a few months ago, they say i can the lower if get pmi which $260 per mons. which would eat up $300 per mon, i would save at 4.8% they suck

by Mark Thornhill From Schenectady, NY on February 13, 2009

by Anonymous From Glen Burnie, MD on February 09, 2009

Employees are rude and the company doesn't even try to work out options with you. You have to be in months of default for them to even begin the process.

by Anonymous From Surgoinsville, TN on January 28, 2009

I have been in default before, but I called them and started a repayment plan which really didn't help. I had to call them every month to draft the payment from my account. Then all of sudden I couldn't get a hold of anybody to draft my payment. I always left messages for call backs and nothing. I called them constantly, but no luck. I tried to make my payments but I couldn't get talk to anyone.

by dina lein From Menasha, WI on January 27, 2009

nightmare to work with loses all paperwork have to keep refaxing loan officer change all the time one dosen't know what the right one is doing very hard to work with

by megan wiste-rodriguez From Tulsa, OK on January 21, 2009

by Anonymous From Las Vegas, NV on January 19, 2009

by umesh agarwal From Carol Stream, IL on January 11, 2009

by steve difuria From Ardmore, PA on December 31, 2008

by Anonymous From Grand Prairie, TX on December 30, 2008

I tried for 2 hrs to get ahold of loss mitigation and never got a hold of anyone

by Connie Ames From Dayton, OH on December 29, 2008

We never got calls back, turned in paper work 2x and then recieved news that we were turned down for any program and are now in foresclosure. They didnt seem like they wanted to help at all.

by Ramona Peak From Wellington, KS on December 28, 2008

by r wilkinson From Greensburg, IN on December 14, 2008

i was told to go 4 months behind on my mortgage payment to qualify for an fha partial claim. after going 4 months behind usbank berated me for getting that far behind and refuses to even consider filing for the partial claim even tho i have the fha insurance protection on my home loan.

by Anonymous From Mankato, MN on December 11, 2008

by Darlene Means From Freeport, NY on December 11, 2008

by Anonymous From Winter Haven, FL on December 10, 2008

by Carrie McPherson From Geneva, OH on December 10, 2008

by Anonymous From Enid, OK on December 04, 2008

They refuse to work with you

by a. tem From Denver, CO on November 29, 2008

I began to locate how a reverse mortgage works with US bank, and until I saw other comments I am wondering how I can exit US bank altogether.

by Melanie Howard From Waverly, NE on November 28, 2008

You never get to work with the same person. I have found one person that was nice and understanding and her name was Jackie. Everyone else I have had to speak with has been rude and didn't seem to care at all. I understand they want their money but things happen in life that cause people to fall behind or make it so it won't work out anymore. I think they need to take that into consideration when dealing with people. Since all this has started I have had to go on medication and it is getting worse not better. I feel bad enough that I failed myself...I don't need people telling me how bad I am.

by Anonymous From Syracuse, NY on November 25, 2008

by Anonymous From Jacksonville, FL on November 24, 2008

The F.B.I are investigating many fradulent mortgage companies. I have reported U.S.Bank to the F.B.I. Everyone who have experienced problems with U.S. Bank shoul send their complaint to the F.B.I U.S.Bank needs must be stopped with the fradulent practices.

by Rhonda Blackmon From Columbus, GA on November 24, 2008

by Dormi Torrey From Tucson, AZ on November 18, 2008

they will not talk to me or renegotiate unless and until I am "delinquent". !! Its as if they WANT me to be in arrears so they can go after me and foreclose.

by Anonymous From Tampa, FL on November 17, 2008

I had called to ask some questions for my husband, they were very rude and when I asked to speak to a manager they are ALWAYs in meetings. I felt very un-important and that they just didn't want to help at all.

by Anonymous From Westlake, OH on November 14, 2008

by Francine Nowling From O Fallon, MO on November 10, 2008

by Thurman Owens From Bridgeport, CT on November 03, 2008

by Lauren From Irmo, SC on October 29, 2008

How do they stay in business??? THEY SUCK

by Anonymous From Piqua, OH on October 27, 2008

They try to help but keep raising and lowering rates and things. Hard to work with.

by Anonymous From Mitchell, IN on October 13, 2008

by Eve Tapscott From Nokesville, VA on October 01, 2008

They said they wanted to help. We worked out a payment that they agreed to, then turn around and returned the payment to us. Now they say we can't help with foreclosure because its in the lawyers hands now and the law office hasn't contacted us after repeatedly leaving messages!!!!

by MICHELLE ALT From Belle Plaine, MN on September 29, 2008

by chico williams From Ypsilanti, MI on September 17, 2008

They have been very unprofessional and untruthful. In the process of working with me during this process they kept $19,400 and then another $13,000. They then foreclosed on my home with only 2 months notice.

by barney tipps From Fredericksburg, VA on September 17, 2008

my wife, i was gone, was told one payment and interest rate and when she signed it was different. the guy lied to her about certain things and even though we should have backed out, the real estate agent was not very helpful, and with everything else this whole situation just sucks for us.

by Magda Torres From Grand Prairie, TX on September 15, 2008

by Amanda Salzberg From Killeen, TX on September 15, 2008

HATE THIS BANK SO MUCH!

by dianne fletcher From Kansas City, MO on September 06, 2008

by dianne fletcher From Kansas City, MO on September 06, 2008

The process wasn't made clear to me unitl an attorney had my property for aunction within 2-3 weeks. I'm still not sure of any rights I have to sell my house & prevent my credit from being devasted. Help!

by Katherine Burns From Summerfield, FL on September 04, 2008

by DAVID ABERNATHY From Davison, MI on August 30, 2008

IT HAS BEEN VERY HARD TO CONTACT THEM BY PHONE. ALWAYS ON HOLD MORE THAN AN HOUR AT TIMES.

by Jamie Martin From Alexandria, LA on August 25, 2008

by Anonymous From Tallahassee, FL on August 18, 2008

I'm not facing foreclosure, but I have to agree, these people are very RUDE. They bought my mortage from another bank. I never would have done business with them for a loan.

by Anonymous From Woodstock, GA on August 18, 2008

contacted them when I knew we were going to be late and they said they could not and would not even speak to me about it until I was more than 3 months behind.

by deane jackson From Indianapolis, IN on August 16, 2008

by Judi Harris From Wichita, KS on August 12, 2008

by Anonymous From Longs, SC on August 11, 2008

by Janet Bergstrom From Saint Paul, MN on August 11, 2008

contacted them when ist payment was late they told me they did not want to discuss this till i was 3months behind

by Luz Rincon From Richmond, IN on August 10, 2008

by Anonymous From Sun City, CA on August 06, 2008

by Anonymous From Winter Garden, FL on August 03, 2008

by Anonymous From Folsom, CA on July 28, 2008

I feel so much better knowing that everyone else is going through the same thing with USbank that we are. I couldn't believe how rude they were. They told me they would rather see me go into bankruptcy than save my home.

by Randy Cox From Folsom, CA on July 28, 2008

by Jane -I am afraid to put my last name. From Kansas City, MO on July 28, 2008

I have the same thing to say as the rest. I tried to get a Reverse mortgage through another lender but they won't talk to him and won't do a short sale. I lost my job in Nov. 2007 and have been struggling ever since, we live on SOCIAL SECURITY. I am on an ARM and they just raised my interest by 3% which amounts to a raise of 210.17 per month. I cannot afford this and they don't care. They want to foreclose, it's obvious. My lender has called numerous times and so have I and they will not return his calls or mine. I am going to notify the Attorney General for my state and advise everyone else to do the same. We have been in this home for 32 years and I do not want to lose it now. I even tried to get a fixed loan from them and they turned me down, because my credit is now bad thanks to US Bank. Did you know that your website will not even print out? None of the letters or your information on how to get ahold of you. I was going to send that to the Attorney General also. My husband said that they will probably foreclose on us for this, can they do that? Please help us.

by Arlene Elliott From Green Camp, OH on July 28, 2008

I am very pleased with both my interest rate and with the way they have handled my situation. They have been very patient with me.

by Anonymous From Kearny, NJ on July 26, 2008

by Amy From Chico, CA on July 22, 2008

I SENT IN ALL OF THE DOCS NEEDED FOR A SHORT SALE TO US BANK IN FEBRUARY. THEN FOUND A BUYER WITH AN ALL CASH OFFER AND SUBMITTED THAT IN APRIL. NOW IN JULY WE KNOW NOTHING. MY REALTOR AND TITLE COMPANY CALL RELIGIOUSLY AND THEY SAY IT HASN'T EVEN BEEN LOOKED AT. THE HOUSE WILL FORECLOSE BEFORE THESE SNAILS EVEN TAKE A LOOK AT THE OFFER. VERY FRUSTRATING! I HOPE US BANK GOES UNDER FOR THEIR POOR LENDING DEPARTMENTS LACK OF TRAINING.

by Anonymous From Nicholasville, KY on July 20, 2008

by Anonymous From Murfreesboro, TN on July 17, 2008

by Sharon Langhurst From Youngwood, PA on July 16, 2008

I rated poor because I feel the value of our home was inflated to qualify us for the money we needed to refinance to consolidate bills. This happened from the first mortgage through the second refi and now we're on the third refi.

by Anonymous From Tulsa, OK on July 14, 2008

Customer service sucks. I was transferred 5 times and no one could help me and then I was disconnected.

by Anonymous From Orlando, FL on July 13, 2008

by Kathleen Averell From Cleveland, OH on July 12, 2008

by Elaine Perez From Far Rockaway, NY on July 11, 2008

The Interest alone for the bank is $1000 and other bills exists not just the mortgage. Documents sent to this bank are received in a poor fashion. They ask you to fax then they say they did'nt receive it. I overnight the documents then and when they received it I got a call that the house will be put on foreclosure in four days and no acknowledgement of the short sale documents I sent.

by Anonymous From Lenoir, NC on June 30, 2008

by Anonymous From Lagrange, OH on June 26, 2008

by Jasmine Kendall-Anderson From Gainesville, FL on June 25, 2008

by Annette From Atlanta, GA on June 21, 2008

I had my home for 5 years- was on a payment plan for High interest rates...THen one day-they (bank) tells me that I am not living in the home alone and now Im diswualified. Foreclosed on me in 30 days!!!!

by Anonymous From Colfax, WI on June 16, 2008

I have had the same experience. I tried to be proactive, tried to do a short sale and (what do you know) they no longer do short sales, so I told them to just take the house. This after almost 6 months of getting NO INFORMATION and NO HELP and only rude, yelling 6am hangup phone calls, abusive harassing phone calls. He started yelling saying they would sell my house for as little as possible and just get me for the rest, garish my wages and I would still be indebted to them...I WOULD NEVER DO business with them again and have told ALL of my friends family and area business and lenders to stay away.

by Anonymous From McKees Rocks, PA on June 05, 2008

by Anonymous From Winona, MN on June 05, 2008

hard to get a hold of and there web site sucks

by Toby Prin From Savage, MN on May 27, 2008

I have not yet dealt with the loss mitigation dept. yet as my loan is still in good standing. I am trying to be proactive about my situation before it gets out of hand.

by Anonymous From Sterling Heights, MI on May 27, 2008

US Bank is the worst home mortgage company to ever be in business. We have been trying to work with them for 2 months now on a short sale. I was finally able to get in contact with someone, submitted all my paper work, found a buyer with a purchase agreement and everything. Here I'm thinking we're moving along....NOPE the dumb F**ks left me hanging. I finally got a call last week stated that they are no longer doing short sales right now. How convienent. After they get all the documents they needed, send a BPO person out and no ALL OF A SUDDEN they aren't doing them anymore because they're losing money. Either way they are going to lose money. SO instead of selling the house for half the loan, they would rather sit on the house and maybe get a 1/4 of the amount owed. Can we say not the smartest crayons in the box working there. Also if you talk to a Mark or Drew in the Short Sale department RUN AS FAST AS YOU CAN. They are so rude. Oh yeah not to mention Tiffany. Yep, that's right I remember there names only because I've only really been able to contact them through email. WHAT A USELESS COMPANY!!!!!!!!!

by Anonymous From Escanaba, MI on May 24, 2008

The company would never return our phone calls and even now when we are trying to fix things and work it out they have been giving us the run around for a mounth and WILL NOT call us back

by Anonymous From Simi Valley, CA on May 19, 2008

by Anonymous From Martinsville, IN on May 07, 2008

by Adrienne Benson From Minneapolis, MN on May 07, 2008

by Anonymous From Lincoln, NE on May 06, 2008

I would give them the information that they would ask for and they would tell me that they did not receive it. There has also been times when they would tell me that they had the information and I would call later and the story would change.

by Iris Diaz From Daleville, AL on April 24, 2008

by cindy moore From Gothenburg, NE on April 23, 2008

by Charlene Burr From Melbourne, FL on April 22, 2008

by Anonymous From Little Rock, AR on April 17, 2008

by Anonymous From Painesville, OH on April 14, 2008

by Anonymous From De Soto, MO on April 14, 2008

by ROBERTO GARCIA From Montgomery, MN on April 07, 2008

by Anonymous From Wood River, NE on April 07, 2008

by bruce larson From Byron, IL on March 31, 2008

by amanda paura From Killeen, TX on March 26, 2008

by sean heard From Inkster, MI on March 26, 2008

by Jean Providence From Altamonte Springs, FL on March 24, 2008

by mariya livits From Elk River, MN on March 18, 2008

by Anonymous From Lakewood, WA on March 18, 2008

I am trying to work with US bank to help a friend get out of foreclosure & get his house sold. I paid the back debt for him but the gal was RUDE. She pretty much told me i must be in it for my own personal gain. WOW! Great job US bank employing the rude.

by Anonymous From Spokane, WA on March 12, 2008

i have owned my home for 10 years and been with them for almost 7 of those. They care nothing of my history with them and are treating me as if I have never made a payment in my life. They refuse to work with me on anythiing.

by Anonymous From Oklahoma City, OK on March 10, 2008

by Anonymous From Fort Wayne, IN on February 17, 2008

I HAVE BEEN TRYING TO WORK WITH US BANK FOR MONTHS, THEY WANTED AN AMOUNT SENT TO THEM SAYING THEY WOULD APPLY TO PAST DUE PYMT. THEY ACTUALLY APPLIED 100.00 TO MY PAYMENT & TOOK THE REST (APPR. 1,000) FOR ATTY FEES! THEY SD THEY WOULD MODIFY MY LOAN, THAT IT WOULD BE READY BY END OF JAN. THEY STILL HAVENT SENT ME ANYTHING EXCEPT A FORECLOSURE NOTICE & I AM BEING SUED FOR THE BALANCE OF MY LOAN! THEY HAVE NOT RETURNED ONE PHONE CALL TO ME, THEY ARE EXTREMELY RUDE, I HAVE BEEN HUNG UP ON NUMEROUS TIMES! IT IS A SHAME THEY EVEN HAVE THE NAME (U.S. IN THEIR NAME!) THEY ARE TERRIBLE PEOPLE!

by joy johnson From Stokesdale, NC on January 31, 2008

by Anonymous From Camby, IN on January 24, 2008

the do not have very courteous people there i was hung up on three times when trying to find out how much i owed. you would think they would want to help there clients instead of being rude to them. they are not understanding at all

by Anonymous From Whitesburg, KY on January 19, 2008

by Darante' Martin From Dothan, AL on January 17, 2008

US Bank does not try to help at all. You would think that they would be more concerned with finding a way to help you as a customer make the payments.

by madinmichigan From Monroe, MI on December 18, 2007

US Bank , does not respond to their clients needs, they do not return phone calls in a timely manner, they do not communicate within the company as to who spoke to whom and what arrangements were made, they give you totally incorrect information and by the time you realize it your so far behind , you have no choices left. I am shocked that the company survives if this is how they do business! Do they know how much money it will cost THEM all of us have to give up our homes because they won't help us? WE didn't asked to be in this position and hopefully the economy will change for the better in the future!

by Anonymous From Detroit, MI on December 02, 2007

I agee that they are very unhelpful. I have been reading a lot of articles on foreclosures and I am convinced that US Bank is one of the lenders that make money rather the property is occupied or not. The only questions they answer is how much you owe and where to send the check.

by ANONYMOUS From South Portsmouth, KY on November 03, 2007

I DON'T UNDERSTAND WHY A BANK DOESN'T TRY TO HELP WORK WITH YOU IT WOULD TAKE LONGER AND MORE MONEY TO FORECLOSE MY HOUSE IT SAT HERE FOR 2 YEARS BEFORE WE BOUGHT IT.... THEY WILL NOT TAKE A PAYMENT FROM US AT ALL RIGHT NOW UNLESS WE PAY 10,000 NO PAYMENT PLANS ARE AVAILABLE FOR US AND WE EVEN TRIED TO SEND THEM HALF OF THE MONEY AND THEY TOLD US DON'T BOTHER IT WONT HELP US WE NOW HAVE 22 DAYS TO PAY THE WHOLE AMOUNT OR WE LOOSE OUR HOUSE I THINK THIS BANK IS VERY UNFAIR TO PEOPLE... I WOULD NEVER TELL SOMEONE TO GO TO US BANK FOR A LOAN...THEY ARE NOT GOOD PEOPLE AT ALL..

by Anonymous From Lithonia, GA on October 22, 2007

US BANK is forcing a foreclosure. I have been paying a refi loan taken by my deceased mother. Tried to negotiate/discount the loan in order to sell and retire debt. They stalled for 6 weeks. Now I am $14,000 out-of-pocket for a loan that is NOT mine. Much of this (legal, evictions, cleaning, taxes, insurance) is costs they would have assumed if I walked away. Proposed selling at auction. They ran-out the clock.

by Anonymous From Bronx, NY on October 16, 2007

by John From Cincinnati, OH on September 13, 2007

U.S. Bank has the nastiest, rudest employees in UNITED STATES. Very threatening, and very dishonest. They will not correspond in writing, always by telephone in order not to have proof of their behavior and biz practices. AVOID U.S. BANK at all cost. SLIMY Business culture.

by Anonymous From Oxford, WI on August 29, 2007

US Bank claims to want to help you but they threaten more than they help. They threaten to take you to court and will only help renegotiate or defer payments after you are over 90 days late. They also, continue to report to credit agencies a past due though you may be paying on time through the modification.

by Anonymous From Kyle, TX on August 28, 2007

US BANK IS VERY RUDE CUST SERVICE. LONG WAIT TIMES. NO HELP AND JUST RUDE AND UNHELPFUL