We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems. 
