US Bank

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

by Deastra Hobbs From Killeen, TX on November 17, 2009

Would not work with me due to Husband must sign all documents and that's hard to do when he left the home. He is Army Retired and might listen to someone other then me. i would like to even sell them them the house back to save the little credit I do have. just because my husband left does that he life to should end. I have a good job and could have paid a modification amount but US bank still wanted his signature. What is a wife to do. Divorce lawyer wants 2500 and my bills are do.

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