I have been working with US Bank to bring my account current. I applied for HAMP but was given a Formal Forbearnce which I could not afford. I made the first payment and could not make the second payment. The bank rep in error accepted my regular monthly payment and did not advise me of the consquences. I have appealed and was told in writing to reapply. I did so on the XXXX of this month with the paperwork they sent me and faxed in to the number, Yesterday I called to see what type of payment I should make and was told my application was not accepted because the former file was not closed out. When I told XXXX XXXX I was following the instructions of the letter dated XXXX/XXXX/16 from US Bank she was uncooperative and accused me of being rude which I was not when I stated I was following the instructions given to me in the letter 
