Ever since the origination of this mortgage, US Bank has refused to recognize the XXXX XXXX Homeowners insurance we purchase every year to satisfy the requirements of the mortgage. They continue to add their own policy to the mortgage even though we have provided the bank with proof of coverage. On occasion, they will apologize and give us a credit, but the next year we start all over with the bank adding yet another policy to the mortgage. This has been going on for 5 years. 
Different officers at the bank assure us the problem will be corrected and they will call us back. Never happens. At this point we have no idea how much the bank has added to the mortgage. 
Recently I received a letter informing me the bank was reporting late payments to the credit bureau. 
This mortgage does not have an escrow account, so we purchase insurance, pay taxes, etc., directly. 
