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US Bank Home Mortgage US Bank US BANK MAKES MISTAKES BUT BLAME GOES TO CUSTOMER COSTING THOUSANDS Internet, Internet

12th of Sep, 2011 by User618785

I enrolled and made a mortgage payment with us bank home mortgage in late 2009. I entered the bottom of my check into their spaces, I could not see what was entered as they were just stars but it went through and I thought I was done. We went on a trip and I came home to a letter saying the payment was not accepted as it was the wrong account. Well, it was not the wrong account. I called but was not helped out and never found out what went wrong. However, my mortgage was then paid over the phone on the 31st day -- one day too late. Since that time I have not been able to refinance and take advantage of the low rates due to a late mortgage. I tried to dispute the issue but was not successful. Now, I want to see if I can get rid of the mortgage insurance by paying my mortgage down to 78%. But I've received letters and emails saying that they will not discuss mortgage insurance with me until it has been 2 years since the late payment. Will not even discuss it with me! Against their rules! In fact, US Bank says there is no department that will accept calls about Mortgage Insurance -- they will only write letters or emails and of course, all I get is letters saying they will not discuss it with me. Apparently, I am not even allowed to pay it down and have it removed. This was not an error that I had control and I am so frustrated with the blame and disregard by US Bank to myself and my family who have been very good customers.

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