We have a mortgage with US Bank.
We have been trying to work with the loss mitigation department to apply for a loan modification.
Unfortunately we are being met by a brick wall. When we are actually able to get thru on the phone (about half of the time), we are met with rude and inept people.
We have sent in our paperwork as required and our first application was denied because they said I was unemployed. Which came as a suprise to me since I have been with the same company for over 3 years. When I tried to tell them this is wrong, the woman on the other end of the line, told me "Sir our records show that you are not working". So I resent my proof of employment, they shut us down again. Why? Because this time I did not send my monthly bill statements, even though it is not requested on their forms.
My wife has had conversations with 2-3 different people in US Bank's mitigation department pleading with them for help. The overwhelming response from them is to "make more money and spend less" WOW what great advice.
Can anyone on LoanSafe help? Do any of you have experience dealing with US Bank?
Thanks for the site.