I have XXXX & XXXX mortgage w/ US Bank . Unlike others I have a much bigger XXXX mortgage than XXXX. When I went through hardship for few years and tried modify my loans several times but my income is high for the XXXX mortgage to consider modification and got rejected ,XXXX mortgage will not even review my modification package without being able to modify my XXXX. So I was going circle very frustrating without being able to have US bank to find someone to look at my whole situation even after several attempts to modify my loans with submitting detailed letter. Their XXXX and XXXX mortgage is like XXXX different banks who does n't care each other or their consumer 's situation at all.Finally had to filed chapter XXXX few days before the foreclosure court date in order to avoid foreclosure from the XXXX mortgage. While my case in the Bankruptcy, Going through same circle and finally had XXXX mortgage to review my file for the XXXX time, but while I was waiting for their appraisal to come through they send a notice for rejection and by the time I received the notice, responding dead line is already passed. That was so frustrating experience, after waiting XXXX years to have my second mortgage to review my file and got rejected for refusal of appraisal while I was waiting for their appraisal set up to go through week after due to their appraisal 's schedual. 
Received their notice passed their dead line to respond. 
THAT WAS QUITE AN EXPERIENCE HOW BAD THEY NEGLECTING ON THIS CASE. 
I even overnight to responds on their refusal but only answer came back was just resubmitted. 
