We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on. 
